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

We understand that not everyone is an expert on personal loans.
So here are answers to some of the questions we get asked most, as well as a glossary of terms to help cut through banking jargon


What is a personal loan?

  • Often referred to as an unsecured loan.
  • A loan is a financial contract in which one party (the lender) agrees to give another party (the borrower) a specific amount of money to be repaid monthly over a set period of time. Attached to the loan are interest payments at an agreed rate.
  • Borrowing is based on your personal credit rating. You can borrow up to £25,000 over a maximum of 10 years.

Which loan is right for you?

Good and bad credit

What is credit history?

Dealing with debt

Repayment tips

Responsible borrowing and what to watch out for

Glossary of Terms

Acceptance rate

Adverse rate


Bank of England

Credit rating

Credit history

Credit reference agencies

Debt consolidation


Early settlement

Fixed interest rate

Gross income


Interest rate

Loan agreement

Lending criteria


Repayment holiday

Representative APR

Risk-based pricing

Secured loan


Total amount repayable

Unsecured loan

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