Convenient everyday banking
Easily manage your everyday finances wherever you are, online, on your mobile or by phone. Our Bank Account makes it simple to check your balance, pay bills and send money to family and friends.
Open an account today
It's quick and easy to apply online.
At a glance
Manage your money when you want
Our phone, online and mobile banking services are there for you 24 hours a day, every day of the year.1
Withdraw up to £300 a day
Get hold of your money when you need it.
You can apply for one when you open your account, giving you a handy safety net in case you ever need it. Overdrafts are subject to status.
Get help day or night
If you need a hand we're always here to help. Online, on our app, by phone and in branch.1
Pay bills and friends with ease
Set up new payees, standing orders and direct debits in moments with our app.
Take a closer look
Get your financial fitness score
Check out our financial fitness tool to find out what kind of shape you’re in. Answer some quick questions to get your score and tips on how to improve.
Things to know before you apply
Ready to apply? Before you do, there are a couple of things you should check you're happy with.
About your optional arranged overdraft
When you open this account, you'll have the option to take out an arranged overdraft.
An arranged overdraft allows you to borrow money (up to an agreed limit) if there’s no money left in your account. This can be useful if you're hit with an unexpected bill, for example.
If a payment would take you past your arranged limit (or if you don’t have one), we may let you borrow using an unarranged overdraft. There's a chance that payments you try to make using an unarranged overdraft may be declined. However, we'll always try to allow essential payments if we can.
You can apply for an arranged overdraft when you open your account, or at any time later. You can ask to increase, remove or reduce your limit at any time in online or mobile banking, by phone or in-branch. Your new limit can't be less than what you owe.
We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.
This account comes with a £25 interest-free buffer. If you go overdrawn by more than that, you'll need to pay interest on the amount you borrow at the rate shown.
Overdrafts are designed for short-term borrowing only and are subject to status.
Overdraft text alerts
If we’ve got your mobile number, we’ll send you an SMS text alert if you’ve gone overdrawn or we know you’re about to. These alerts are designed to help you manage your overdraft usage and avoid being charged interest.
You can opt out of overdraft text alerts by calling us or asking us in-branch – but remember you’ll be opting out for all your current accounts with us. If you opt out or we don’t have an up-to-date number for you, you could end up paying interest you might otherwise have avoided.
What are the overdraft charges for this account?
Representative example: 0% EAR (variable)4 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)5. Based on an arranged overdraft of £1,200.
How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.
The monthly cap on unarranged overdraft charges for the HSBC Bank Account is £20. Further details can be found online at our Overdrafts page.
To find out more, visit our Overdrafts page, where you can find out if you’re eligible for an arranged overdraft and use our overdraft cost calculator.
Important account documents
You can apply for an HSBC Bank Account if you:
- are 18 or older and live in the UK or EU
- are happy for us to do a credit check against your name (if you live in the UK)
- can provide ID and proof of address if needed
- are able to provide proof of your address for the last 3 years, your employment details and your income details. Here’s a list of documents that we accept.
Apply in branch
It's usually quickest to apply online, but if you're having trouble with your application, we're here to help - just head to our contact us page.
Already have a current account?
Find out how to make your current account work harder. Access discounts, overdrafts, and savings accounts with preferential rates. There’s something for everyone.
You might be interested in
1. Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. To help us offer the best service, we may monitor and/or record your calls with us. Back to 'At a glance'
2. Our mobile banking app is currently available on iPhones and iPads running on iOS 12 or higher and Android devices with an operating system of 5.0 or higher. Back to 'Easy mobile banking'
3. The fixed rate of 1.00% AER/gross over 12 months is available to HSBC Bank Account customers who open a new Regular Saver account. Save between £25 and £250 per month by standing order from your HSBC Bank Account for a fixed term of 12 months. If you do not save £250 in any given month you can carry over any unused subscription to following months. Interest is calculated on the daily balance on your Regular Saver and we’ll pay this into your Regular Saver on the anniversary of your account being opened. For example, if you saved £250 every month for 12 months a total of £3000 will be paid in to your account during the 12 month term. At 1.00% you would earn approximately £16 interest (gross). Partial withdrawals are not allowed during the 12 month term. If you close your Regular Saver before the anniversary, we’ll pay interest at the same rate as we would apply to an equivalent amount held in our Flexible Saver account. You can only hold one Regular Saver account at any time. AER stands for Annual Equivalent Rate. This shows what the gross rate would be if interest was paid and compounded each year. All credit interest will be paid gross. Gross is the rate of interest if interest were paid and not compounded each year. Back to 'At a glance'
4. EAR (Effective Annual Rate) takes account of the interest rate, the compounding of interest and how often interest is charged. It doesn’t include any other fees or charges. Back to 'Overdraft charges'
5. APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest-free amount. Back to 'Overdraft charges'
6. Subject to status and account conduct. Back to 'At a glance'
7. AER (Annual Effective rate) takes account of the interest rate, the compounding of interest and how often interest is charged. It doesn’t include any other fees or charges. Back to 'At a glance'