Graduate Account

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 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.

Use your card and PIN which comes with your Graduate Bank Account in shops, restaurants and online, and withdraw your money from any ATM in the UK¹ – up to £300 a day. Get up to £100 cashback at many outlets nationwide when you pay with your HSBC Debit Card.

You can also use your card for cash withdrawals in a foreign currency outside the UK and pay for goods and services wherever you see the VISA logo².

Once you’ve set up your account you’ll automatically be sent monthly statements. Once you register for Online Banking, you’ll then have the option to switch off your paper statements and receive them electronically instead.

Manage your personal accounts easily and securely from your mobile devices with the HSBC UK Mobile Banking app.

With Personal Online Banking you can check your balance, see your statements and pay your bills and much more. Online Banking facilities are available 24/7 subject to planned maintenance periods. More on online banking.

Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night, with our automated service. And if you have a query, our Customer Service Representatives are available on 03457 404 404 from 8am to 8pm every day. From outside the UK +44 1226 261 010. Calls may be monitored and/or recorded.

¹ Debit Card: Some cash machine owners in the UK may charge you for withdrawals. This will be shown on screen with an option to cancel the withdrawal if you want.

² Using your Debit Card outside the UK: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the transaction amount (and for cash withdrawals  a Cash Fee of 2% of the cash withdrawal (minimum: £1.75, maximum: £5)). We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current Visa scheme exchange rates are available at www.visaeurope.com.

Transaction fees: For foreign currency transactions we will charge a fee of 2.75% of the amount of the transaction, using your Debit Card to pay for goods and services outside the UK (eg in shops or restaurants). This fee will be shown as a separate line on your statement as a 'Non-Sterling Transaction Fee'.

Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside the UK. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us. 

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

• The service is free to use and you can choose and agree your switch date with us.
• We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
• If you have money in your old account, we will transfer it to your new account on your switch date.
• We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
• If there are any issues in making the switch, we will contact you before your switch date.
• If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

More on the Current Account Switch Service.

Order commission-free foreign currency on amounts between £100 and £2,500.

For your convenience we have Euros and Dollars in over 650 of our branches, plus cash in up to 67 currencies available for next day delivery.

Order Travel Money online, in branch or by telephone. Call 0800 032 4700. Lines are open 8am – 10pm every day except Christmas Day, Boxing Day and New Year's Day.

We can give you tips on making the most of your money. And if you're having trouble paying your bills, we can help you work out what to do. More on help with your finances.