We currently offer many of you an interest-free overdraft buffer of £25. To help with the impact of coronavirus (COVID-19) on your finances, from 26 March 2020 until further notice, we won't charge interest on the first £300 of overdraft borrowing for Bank Account, Bank Account Pay Monthly, Current Account and Advance Bank Account. This is a temporary measure and not a change to contractual terms, which remain the same. We’ll keep this under review and we’ll update customers before we make any changes to the interest waiver.

If you have an account with a negotiated rate (where we have separately agreed a non-standard rate for your overdraft), this will not apply to you.

Find your perfect joint bank account

Take care of shared bills and household expenses with friends or partners, by opening a joint account. You’ll both be able to access your account, make payments and share the rewards and benefits of banking with HSBC.

Why get a joint current account with HSBC?

  • Hassle-free switching
  • No monthly account fee
  • VISA debit card with contactless payments, subject to status
  • Manage your money anytime with Online Banking and our Mobile Banking app
  • See your accounts in one place with our Connected Money app
    for iPhone iOS10 and above

Our best current accounts for everyday banking

Bank Account
 Advance Bank Account
 Premier Bank Account
  • Arranged Overdrafts, subject to status
  • Representative example (assumed arranged overdraft £1,200): 0% EAR1 variable on the first £25, 39.9% EAR variable thereafter, giving a representative rate of 38.9% APR2 variable
  • Visa offers
  • Representative example (assumed arranged overdraft £1,200): 0% EAR variable on the first £25, 39.9% EAR variable thereafter, giving a representative rate of 38.9% APR variable
  • Discounts and offers through Advance Members
  • Interest free arranged overdrafts up to £500, subject to status
  • Representative example (assumed arranged overdraft £1,200): 0% EAR variable on the first £500, 39.9% EAR variable thereafter, giving a representative rate of 21.8% APR variable
  • Exclusive Family and International Benefits
  • Premier Relationship Management Service
  • Complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Financial eligibility criteria and T&Cs apply
 Financial eligibility criteria and T&Cs apply
 Financial eligibility criteria and T&Cs apply
Find out more
 Find out more
 Find out more

Our best current accounts for everyday banking

Bank Account
  • Arranged Overdrafts, subject to status
  • Representative example (assumed arranged overdraft £1,200): 0% EAR1 variable on the first £25, 39.9% EAR variable thereafter, giving a representative rate of 38.9% APR2 variable
  • Visa offers
Advance Bank Account
  • Representative example (assumed arranged overdraft £1,200): 0% EAR variable on the first £25, 39.9% EAR variable thereafter, giving a representative rate of 38.9% APR variable
  • Discounts and offers through Advance Members
Premier Bank Account
  • Interest free arranged overdrafts up to £500, subject to status
  • Representative example (assumed arranged overdraft £1,200): 0% EAR variable on the first £500, 39.9% EAR variable thereafter, giving a representative rate of 21.8% APR variable
  • Exclusive Family and International Benefits
  • Premier Relationship Management Service
  • Complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Bank Account
Financial eligibility criteria and T&Cs apply
Advance Bank Account
Financial eligibility criteria and T&Cs apply
Premier Bank Account
Financial eligibility criteria and T&Cs apply
Bank Account
Find out more
Advance Bank Account
Find out more
Premier Bank Account
Find out more

Additional Information 

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1. EAR (Effective Annual Rate) takes account of the interest rate, the compounding of interest and how often interest is charged. It doesn’t include any other fees or charges. Back to our current accounts

2. APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest-free amount. Back to our current accounts

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