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.

Find out more

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

Set aside time each week

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.

Use Direct Debits

Helpful tools

Use our loan calculator or our budget planner to decide if you actually need a loan.

Use Direct Debits

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.

Work Out exactly how much you need to borrow

Helpful tools

Make sure you've considered every option

Calculate your monthly repayments

£ Select to show help text
Select to show help text

Representative example

Monthly repayment


Total amount payable



3.3% APR

Interest rate

3.3% p.a. (fixed)

Advance customers
10% interest cashback

Are you eligible?

New to HSBC

Apply now

Please note

  • 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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