If you’re concerned your mental health is impacting how you manage your money, we have a range of services available to support you.
Your mental health and money
Money problems and mental health issues are sometimes linked, with one causing or influencing the other.
If you feel your financial situation is impacting your mental health, you’re not alone. Research by the ONS suggests over a third of us feel stressed out when we think about money.1
Signs you may be struggling
- you feel anxious about reading bank statements or checking your account balance
- you’re worried about paying bills or opening important letters
- your sleep is disturbed because you’re thinking about your finances
- you feel low and anxious or like there’s no way forward due to your financial situation
- you feel guilty after spending money or feel like you spend money on things you shouldn’t
- you can't concentrate, focus, or understand bills and letters
- you struggle to ask for help and feel increasingly isolated
If you’re struggling with any of these challenges, we encourage you to:
How can we help?
The rising cost of living
Struggling with technology
Short-term memory or concentration
Impulse spending and lending
Anxiety being in public places
Anxiety talking on the phone
Getting in touch
Lines are open from 08:00 to 20:00 every day
Calls charges are the same as local rate calls. However, you may want to check with your service provider whether these charges are covered under your existing call plan.
Online banking and Chat service
We have a Chat service so you can speak to someone without having to call. To start a chat with one of our agents, log on to online banking and select the ‘Chat’ button. Or to talk to us through your Mobile app, log on and select ‘Support’ and then ‘Chat with us’.
If you start a conversation through online banking, you can continue through ‘Chat with us’ on your mobile if you need to be on the move.
You can also speak to us through the Chat tab on the side of this page, however we may not be able to support all queries through this channel. If the ‘Chat’ option is not on the side of the page, this means we have no available agents. If this is the case, please try one of the alternative contact options.
Getting help from someone else
If you need some extra support from someone you know to manage your finances but want to keep some financial independence, our Independence Service may be suitable or we can arrange to set up a third party mandate for you.
If you feel it’s too much to manage your account, you can also empower someone to act on your behalf by getting a Power of Attorney. If you’d like more information about what a Power of Attorney does, the Citizens Advice website has more information. We also have more information on how you assist someone with their money.
For those living with dementia, we have some helpful ways to manage your finances.
Where else to get help from
The Money and Mental Health Policy Institute has awarded HSBC UK its Mental Health Accessible accreditation for essential services. This accreditation recognises that we’ve taken action to improve service accessibility for people experiencing mental health conditions.
Access help if you have hearing, visual, speech, mobility or dexterity impairments, or mental health issues.
Helping someone with their money
Find out how to be appointed to help someone with their finances. You can also find out how to appoint another person to help you with your own finances.