graduate bank account

Current Accounts

HSBC Graduate Bank Account

Keep your finances flexible in the first 2 years after graduating from university.

  • Up to £1,500 interest-free entitlement in your first year and up to £1,000 interest-free arranged overdraft in your second year after graduation (subject to status and account conduct)1
  • Enjoy attractive rates with a Regular Saver, one of our highest earning savings accounts
  • Get a VISA debit card with contactless feature, subject to status
  • Discover where your money really goes with Connected Money from HSBC2 3

Switch your current account in a simple, reliable and stress-free way in only 7 working days.

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Apply for an HSBC Graduate Bank Account today:

How HSBC Graduate Bank Account can help you

Interest-free arranged overdraft

You may be eligible for an arranged overdraft facility, of which £1,500 will be interest-free during your first year and £1,000 in your second year after graduation (subject to status and account conduct). Additional arranged overdraft agreed above your interest free entitlement will be charged at 19.9% EAR variable.

Representative examples (Assumed arranged overdraft £1,200):
1st year graduate: Up to £1,500 - 0% EAR (variable). Anything above £1,500 - 19.9% EAR (variable)
2nd year graduate: Up to £1,000 - 0% EAR (variable). Anything above £1,000 - 19.9% EAR (variable)

Find out more on overdrafts.

Regular Saver

Regular Saver is one of our highest earning savings accounts. As a graduate customer, you can open one and manage it easily alongside your other accounts. Find out more on Regular Saver.

1Representative example (assumed arranged overdraft £1,200): 1st year 0% EAR variable on the first £1,500, 2nd year 0% EAR variable on the first £1,000 and 19.9% EAR on the rest.

2For HSBC UK customers only with Online Banking & iPhone, iOS 10 or above.  

3Apple and iPhone are trademarks of Apple Inc. registered in the US and other countries. 



Apply for HSBC Graduate Bank Account

Apply online

It only takes a few minutes to apply online for a Graduate Bank Account.

By clicking 'Apply now' you will be confirming you meet the eligibility criteria as set out on this page.

Things you should know