HSBC Online Banking activation

We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

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UK Ring-fencing

UK Ring-fencing

Why are we changing our structure?

After the global economic crisis, the UK Government put new rules in place to protect the economy and taxpayers in case something similar happens again.  This means we must:

  • Separate our retail banking operations from any wholesale and investment divisions
  • Change the way we are structured in the UK - creating a new ring-fenced bank, HSBC UK
  • Make the changes prior to 1 January 2019 - to achieve this, we intend to complete required activities well ahead of this deadline

What does this mean for you?

For the vast majority of our customers there will be very little change. However, we will need to make some changes in preparation for the transfer of customers to HSBC UK.

  • HSBC UK customers will receive a new International Bank Account Number (IBAN) as HSBC UK will have a new Bank Identifier Code (BIC). These are the details you would give to someone who sends you money from abroad.
  • A small proportion of our customers moving to HSBC UK will be moved to a new sort code. This is because sort codes can only be allocated to one bank, and a handful of our existing sort codes will need to be kept by HSBC Bank plc.
    We've created a brochure on the sort code change that applies to our personal and the majority of our commercial customers in the UK. Sort Code Changes PDF.
  • Ring-fencing impacts most large banks in the UK. Specifically those with deposits of £25bn or more. If you have accounts with more than one bank in the UK, this may mean you receive similar communications from them too.

Customers part of the ring-fenced bank

  • HSBC personal and commercial customers in the UK
  • Our other UK retail brands M&S Bank and first direct
  • UK Private Bank Customers

Marks and Spencer Financial Services plc (MSFS) and HSBC Private Bank (UK) Limited (PBGB) will be subsidiaries of the new bank.

Customers remaining in the non ring-fenced bank

  • All our Global Banking & Markets customers within our wholesale and investment banking division;
  • UK commercial customers categorised as Non-Bank Financial Institutions, including Relevant Financial Institutions (RFI);
  • Customers of non-UK branches of HSBC Bank plc, including Channel Islands and Isle of Man customers.

The ring-fencing rules mean that any entity that continues to bank with HSBC Bank plc (that is not an RFI) must go through a qualification process to confirm that it meets certain criteria.

For customers and stakeholders of HSBC Private Bank (C.I.) Limited ONLY

The Guernsey Court hearing to approve the proposed 'Scheme' is still scheduled for 2:30pm on 4 August 2017 at The Royal Court of Guernsey, Royal Court House, St Peter Port, Guernsey, GY1 2NZ

Contact us

Retail Banking and Wealth Management Customers

If you have a general ring-fencing query please call either number below:

For queries relating to BIC and IBAN changes:

0345 587 3515 (from outside the UK +44 345 587 3515) 0345 587 3515 (from outside the UK +44 345 587 3515)

For queries relating to Sort Code changes:

0345 266 1359 (from outside the UK +44 345 266 1359) 0345 266 1359 (from outside the UK +44 345 266 1359)

Both lines are open 8am to 10pm excluding public holidays

Commercial Banking Customers

0345 266 1027 (from outside the UK +44 147 0697 133) 0345 266 1027 (from outside the UK +44 147 0697 133)

Lines are open from 8am to 6pm Monday to Friday, excluding bank holidays.

Global Banking and Markets Customers

Please visit our portal for more information

BSL Video Relay Service available

Textphone contact numbers

Customers part of the ring-fenced bank

Customers remaining in the non ring-fenced bank

All our customers will be notified of these changes.

We don't anticipate any changes to our terms and conditions (other than changing the legal entity name for HSBC UK customers) and if your money is eligible to be protected under the Financial Services Compensation scheme (or other similar schemes) it will still be covered as it is today.

For more questions View FAQs

For more information about ring fencing visit

The Financial Conduct Authority (FCA)

Bank of England (BoE)

Contact Us

Contact us

Retail Banking and Wealth Management Customers

If you have a general ring-fencing query please call either number below:

For queries relating to BIC and IBAN changes:

0345 587 3515 (from outside the UK +44 345 587 3515) 0345 587 3515 (from outside the UK +44 345 587 3515)

For queries relating to Sort Code changes:

0345 266 1359 (from outside the UK +44 345 266 1359) 0345 266 1359 (from outside the UK +44 345 266 1359)

Both lines are open 8am to 10pm excluding public holidays

Commercial Banking Customers

0345 266 1027 (from outside the UK +44 147 0697 133) 0345 266 1027 (from outside the UK +44 147 0697 133)

Lines are open from 8am to 6pm Monday to Friday, excluding bank holidays.

Global Banking and Markets Customers

Please visit our portal for more information

BSL Video Relay Service available

Textphone contact numbers

Thank you for your help and understanding

We've kept the changes to a minimum, however, some changes we've had to make may cause some inconvenience. We are sorry for this and we'll do everything we can to make it easier.

By making these small but necessary changes we can make sure we meet the new banking rules and more importantly:

  • We'll continue to help our customers with all their day to day financial needs
  • We'll continue to ensure our customers benefit from the knowledge, experience and financial strength that HSBC has gained through more than 150 years in banking
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