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.
Taking on any new debt is always a big decision and is often a daunting prospect.
However, a consolidation loan is used to help pay off your existing credit cards, store cards and other financing such as a Personal Loan or car debt. By consolidating all your debts into one loan you'll only have to make one payment each month, relieving financial stress and leaving you to focus on what's most important to you.
Take time to consider whether you definitely need to take on new debt - extending the term of your debt will incur more interest and early repayment fees often apply to existing debts.
Things to consider before consolidating your debts
Work Out exactly how much you need to borrow
Check outstanding balances, interest rates you currently pay, early payment penalties and make a list of everything. The more you borrow, the more interest you'll be charged - so only borrow what you need.
Make sure you've considered every option
If you're already in debt then the prospect of taking on more can be unappealing and might be a last resort.
- If you are using any part of this loan to pay off or reduce existing loan(s)/debts (including combining these into a single loan), it is important to consider not just the interest rate and monthly repayments, but also the term of this loan compared to the remaining term of your existing loans/debts.
- Spreading your payments over a longer term means you could end up paying more overall than under your existing arrangements, even if the interest rate on this new loan is less than the rates you are currently paying.
- You should also consider if any early repayment charges apply and if this form of borrowing is appropriate for your circumstances.
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