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Graduate Bank Account

Helping you manage your money after university
student in the shared flat
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 U.S 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

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