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HSBC Bank Account

Stay on top of your money with our simple everyday current account.

Easy everyday banking that puts you in control

Show your money who's boss with our Bank Account. Discover a new bank account that gives you everything you need for everyday banking, with no monthly account fee. You could even open a Bank Account online in around 12 minutes.

To apply, you'll need to be 18+.

Here's what you get with your HSBC Bank Account

Freedom to bank the way you want

Online, in-app, by phone or in-branch. However you prefer to do your banking, we've got you covered.1

Multiple ways to pay

Pay on the go with Apple Pay, Samsung Pay, Google Pay or your contactless Visa debit card. Limits may apply.2

An optional arranged overdraft

You can apply for an arranged overdraft (subject to status), handy for unexpected expenses. Learn more.

Make banking a breeze with our app

Make payments. Pay in cheques. Freeze and unfreeze your card. You can do it all in a few taps with our Mobile Banking app. You can also see any other HSBC products you have, like your mortgage or credit card, all in one secure place.

Understand your money at a glance

Get instant notifications every time money goes in or out of your account, so you know exactly where you stand.3 You can also see what your balance will be after bills – making budgeting much easier.

See your spending broken down into categories and set targets to help control it with Spending insights and Monthly budgets.

Enjoy exclusive access to our savings accounts

Get access to our full range of savings accounts as an HSBC current account customer including our Regular Saver and Online Bonus Saver.

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.

You may not be eligible for some account features if you remain resident outside the UK.

Who can apply?

You can apply for an HSBC Bank Account if you:

  • are 18 or older
  • 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
  • have read the important account documents below

Apply for your HSBC Bank Account now

Already an HSBC customer?

If you're already an HSBC customer, please apply for your account in branchYou'll also need to visit us in branch if you'd like to upgrade or make changes to your existing account, or to open an additional account.

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We make switching banks simple. Make the move from your old bank to HSBC in just a few easy steps.


The current account that gives you more, with retail offers and access to our best savings rate. You'll need to qualify for an optional arranged overdraft of at least £1,000.


Concerned about your financial situation? Find out how we could help.

Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

Additional information

1. Find out more about the operating systems our app works on.

2. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

3. You'll need to opt in to receive instant notifications. You can do this in our app. This feature is currently being rolled out and may not yet be available on all devices.

4. EAR stands for effective annual rate. This is how all UK banks must show interest rates on their overdrafts, to make it easier for you to compare one bank’s overdraft with another. Please note that it doesn’t include any fees you might be charged in addition to interest.

5. APR stands for annual percentage rate. This 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 you may have to pay, as well as any interest-free amount.



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