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HSBC UK
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Jade
Our products and services

Life's better with choices

We know how precious your time is. That's why HSBC Jade unlocks exclusive benefits and services to help you reach your financial goals, wherever you are in the world.

Priority consideration

Fast-track your applications for unsecured lending requests, all managed by our lending specialist team. Credit is subject to status.
Dedicated support

Get preferential call response times for all Jade clients through our phone service, from 08:00-20:00, every day.
Higher loan limits

Priority consideration and exclusive access to higher Personal Loan limits

Jade clients could receive a representative 3.3% APR for loans between £50,001 and £250,000¹for 1 to 7 years. Credit is subject to status.

Get even more with HSBC Jade

HSBC Jade is more than just a banking service. Because life never stops, we'll support you with retirement, insurance² and more.

Your HSBC Jade Debit Card

Your very own Jade client card works like a debit card, with a unique Jade ID. Use it to enjoy extraordinary experiences, get support from us and access special products and preferential pricing.

use your HSBC Jade Debit Card wherever you are and withdraw cash from ATMs worldwide³
access personal lifestyle benefits with your Jade ID
enjoy no overdraft interest on the first £1000 of your arranged overdraft limit⁴

Representative example: (assumed arranged overdraft of £1,200) 0% EAR (variable) on the first £1,000, 39.9% EAR (variable) on anything above that, giving a representative rate of 5.8% APR (variable).

All credit applications are subject to status, our lending criteria and an assessment of the circumstances of the applicant.

Overdrafts
An overdraft lets you borrow money on your current account. An arranged overdraft is where we agree an overdraft limit with you. This can help in months when you have extra expenses.

An unarranged overdraft is when you make a payment that takes your account over your arranged limit or overdrawn when you don’t have an arranged overdraft in place.

We’ll always consider an unarranged request and make the payment if we can. Unarranged overdrafts may incur higher fees and result in declined transactions. We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could negatively impact your credit rating.

Overdrafts are not suitable for long term borrowing and usually result in interest and other fees.

To find out more, go to the overdrafts page on the HSBC website where you can find our eligibility tool and overdraft cost calculator.

Interest-free overdraft
There is a monthly cap on overdraft interest:

Each current account will set a monthly maximum charge for:

going overdrawn when you have not arranged an overdraft; or
going over/past your arranged overdraft limit (if you have one)

2. This cap covers any:

interest for going over/past your arranged overdraft limit;
fees for each payment your bank allows despite lack of funds; and
fees for each payment your bank refuses due to lack of funds

The introduction of the Monthly Maximum Charge will not affect any charging period that ended before 1st August 2017. Any notification of charges that are generated on or after 1st August 2017 will incorporate the new Monthly Maximum Charge cap.

How does our overdraft compare?
A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.

Please visit our overdrafts page for more information on monthly overdraft caps.

Worldwide Travel Insurance

As a Jade client you'll get Worldwide Travel Insurance for you, your partner, your dependent children and grandchildren. To qualify, you’ll need to be a UK resident aged under 80.⁵Underwritten by Aviva Insurance Limited.

To find out more, read the HSBC Jade Worldwide Travel Insurance Policy on our legal and insurance page.

If you need to prove you have Travel Insurance, you can ask Aviva for confirmation of cover.

The Foreign Commonwealth and Development Office (FCDO) advice in relation to coronavirus is regularly reviewed. This may affect cover provided by HSBC Jade Travel Insurance. Please refer to the government's travel advice page for the latest information.

We’ve also provided answers to some frequently asked questions about HSBC Jade Worldwide Travel Insurance and cover for coronavirus. Please refer to our coronavirus travel guidance page for the latest information.

We’re unable to offer cover for certain medical conditions on this product. You may be able to get cover for these from a specialist insurer. The Money and Pensions Service has a list of these insurers – you can check its travel directory or call 0800 1387 777.

Please note, you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before getting cover elsewhere.

HSBC Premier World Elite MasterCard rewards

Get more out of travelling the world with the credit card that’s been designed with travelling in mind.

airport lounge access at over 500 airport lounges worldwide with LoungeKey⁶
access to more than 50 million WiFi hotspots with iPass⁵
special discounts when you spend and earn points with the HSBC Premier Rewards Programme and Rewards for Miles scheme
as a Jade client, we'll refund you the Premier World Elite MasterCard annual fee of £195, as well as the £60 fee for additional cardholders

Representative example: 59.3% APR representative variable and 18.9% p.a. (variable) for purchases, based on the annual fee of £195 and an assumed credit of £1,200.

Visit HSBC Premier World Elite Mastercard or speak to your HSBC Wealth Manager to apply. Credit is subject to status.

No-fee home survey

Aviva Distinct insurance policy specifically covers high value homes with a rebuild cost of over £500,000 and/or contents worth over £75,000. As a Jade client, you'll receive a building valuation or contents survey for no fee.

Terms and conditions, limitations and exclusions apply.

the buildings valuation survey includes listed buildings or properties of unusual construction
the contents survey provides valuations for antiques, fine art or items requiring specialist valuation

Find out more about Aviva Distinct home insurance.

Ready to open an HSBC Jade account?

To apply for Jade, you need to meet certain financial and other eligibility criteria. Check your eligibility and find out how to apply.

Get started

Already a Jade client?

For wealth advice, please contact your Wealth Manager directly.

For anything else, you can call the Jade team on 03457 70 70 70 from 08:00-20:00.

If you haven't already, unlock your exclusive lifestyle benefits with HSBC Jade Concierge services.

Using your concierge service

Explore HSBC Jade

Welcome to HSBC Jade

Your dedicated team

Wealth management

Lifestyle experiences

Important information

¹Priority consideration for overdraft and Personal Loan requests over £25,000, compared to all HSBC customers including HSBC Premier Bank Account holders.

²We offer restricted advice, meaning we only offer limited types of products from a limited number of companies including HSBC. Fees apply for these services. Financial eligibility criteria apply.

³ A non-sterling transaction fee for overseas transactions applies.

⁴Access a specialist team to manage your overdraft requests over £25,000 as a priority request over all other HSBC customers. Other non-HSBC Premier customers have access to Personal Loans up to £25,000.

⁵ Aged under 18 at the start date of the trip, or under 23 if still in full time education and living at home outside of term time.

⁶ Terms and conditions apply.