HSBC debit card

Wherever life after university leads you

In the middle of all this change, one thing you don’t want to worry about is banking. That’s why our Graduate Bank Account offers you benefits, rates and services designed to make the move from study to a career that much easier.

To be eligible, you'll need to provide proof that you're a recent graduate.

Open an account today

It’s quick and easy to apply online.

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At a glance

  • Apply for an arranged overdraft
    Get up to £1,500 interest-free in your first year and up to £1,000 in your second year after graduation. 1
  • Earn more on your savings
    Enjoy an attractive savings rate with a Regular Saver account, one of our highest earning savings accounts.
  • Manage your accounts on the go
    Access your money 24/7 through online, mobile and phone banking. 2

What else is included?

  • Set up text alerts
    Keep track of your account balance and large withdrawals and deposits.
  • Pay your mates quickly and easily with Paym
    You just need their number and our Mobile Banking app.
  • Get a Visa debit card
    Withdraw up to £300 a day and make contactless payments.

Access to savings accounts

Build up a nice little nest egg. As a Graduate Account customer you can open a Regular Saver and Loyalty ISA. So as well as working for your future, you can save for it too.

Explore our savings products

Free British Cycling Fan membership

Get priority access and discounts off major UK cycling events with your free fan membership (worth £25). Plus, save 10% at Halfords and Evans Cycles. T&Cs apply. 3

Explore British Cycling Fan membership

Things you should know

Who can apply?

You can apply for a Graduate Bank Account if you:

  • are 18 years or older
  • have graduated from university within the last 2 years
  • can provide proof you're a graduate, such as a graduation certificate
  • can provide ID, proof of your address and 1 month's bank statements from your current bank
  • are happy for us to do a credit check against your name (if you live in the UK)

How to apply

Apply online

Apply for an account online in 15 minutes.

Apply in branch

Book an appointment to apply in branch

Please make sure you bring ID, proof of your address and 1 month of bank statements with you.

Existing customers


Account all set up? Find out how to activate your card.


Going travelling? Your HSBC debit card makes the ideal companion.

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Spread the cost of spending, transfer a balance or earn cashback or reward points.


If your overdraft is calling you, make sure you know how it works first.

1. Representative 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. Back to 'At at glance'

2. 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 at glance'

3. This offer is available to all HSBC UK current account customers. One British Cycling Fan Membership per customer, with the ability to upgrade to other membership options for an additional cost. You must activate your membership by 31 December 2019. Terms and conditions apply. Back to 'Free British Cycling Fan Membership'