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Joint bank accounts

Compare our bank accounts for managing shared finances

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

current account switch guarantee

Adding someone else to your existing current account

If you want to add someone else to your existing account, you'll both need to visit your nearest branch together.

Each of you should bring one form of photo ID and one proof of address. Find out which documents we accept.

You can find your nearest branch using our branch finder.

Sorry, but you can't add someone else to any of these accounts:

  • ISAs
  • Student Accounts
  • HSBC Expat personal accounts
  • HSBC Currency Accounts
  • Online Bonus Savers
  • products which are no longer on sale 
  • accounts previously converted from joint to sole

Our best current accounts for everyday banking

  Bank Account
Advance Bank Account
Premier Bank Account
Switching offers Not at this time

Get £170 when you switch using the Current Account Switch Service. You'll need to start your switch within 30 days of account opening, pay in £1,500+ within 60 days and switch 2+ Direct Debits or standing orders.

New customers only. T&Cs and other eligibility criteria apply.1

Get £170 when you switch using the Current Account Switch Service. You'll need to start your switch within 30 days of account opening, pay in £1,500+ within 60 days and switch 2+ Direct Debits or standing orders.

New customers only. T&Cs and other eligibility criteria apply.1

Switch offer Not applicable

Not applicable

Not applicable

Arranged overdrafts, subject to status

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

The monthly cap on unarranged overdraft charges for the HSBC Bank Account is £20. Further details can be found online at our Overdrafts page.

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

The monthly cap on unarranged overdraft charges for the HSBC Advance Account is £20. Further details can be found online at our Overdrafts page.

Representative example: 0% EAR (variable)2 on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)3. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

The monthly cap on unarranged overdraft charges for the HSBC Premier Account is £20. Further details can be found online at our Overdrafts page.

Additional benefits
  • £300 daily ATM cash withdrawals
  • worldwide support services
  • £500 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • exclusive family benefits
  • worldwide support services
  • £1,000 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Premier Relationship Management Service
  • complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Additional information Financial eligibility criteria and terms and conditions apply. Financial eligibility criteria and terms and conditions apply. Financial eligibility criteria and terms and conditions apply.
  View Bank Account View Advance Bank Account View Premier Bank Account

Our best current accounts for everyday banking

  Switching offers
Bank Account
Not at this time
Advance Bank Account

Get £170 when you switch using the Current Account Switch Service. You'll need to start your switch within 30 days of account opening, pay in £1,500+ within 60 days and switch 2+ Direct Debits or standing orders.

New customers only. T&Cs and other eligibility criteria apply.1

Premier Bank Account

Get £170 when you switch using the Current Account Switch Service. You'll need to start your switch within 30 days of account opening, pay in £1,500+ within 60 days and switch 2+ Direct Debits or standing orders.

New customers only. T&Cs and other eligibility criteria apply.1

  Switch offer
Bank Account
Not applicable
Advance Bank Account

Not applicable

Premier Bank Account

Not applicable

  Arranged overdrafts, subject to status
Bank Account

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

The monthly cap on unarranged overdraft charges for the HSBC Bank Account is £20. Further details can be found online at our Overdrafts page.

Advance Bank Account

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

The monthly cap on unarranged overdraft charges for the HSBC Advance Account is £20. Further details can be found online at our Overdrafts page.

Premier Bank Account

Representative example: 0% EAR (variable)2 on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)3. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

The monthly cap on unarranged overdraft charges for the HSBC Premier Account is £20. Further details can be found online at our Overdrafts page.

  Additional benefits
Bank Account
  • £300 daily ATM cash withdrawals
Advance Bank Account
  • worldwide support services
  • £500 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
Premier Bank Account
  • exclusive family benefits
  • worldwide support services
  • £1,000 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Premier Relationship Management Service
  • complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
  Additional information
Bank Account
Financial eligibility criteria and terms and conditions apply.
Advance Bank Account
Financial eligibility criteria and terms and conditions apply.
Premier Bank Account
Financial eligibility criteria and terms and conditions apply.
   
Bank Account
View Bank Account
Advance Bank Account
View Advance Bank Account
Premier Bank Account
View Premier Bank Account

If we accept your request to defer your repayments, we’ll record this arrangement to make sure it doesn’t impact your credit file. 

If you haven’t arranged to defer your repayments and you miss one, your credit file could be impacted. If you’re not able to make your repayments, please complete and submit our online form as soon as possible.

If we need to speak with you, or if your circumstances mean your credit file may be impacted, we’ll contact you to discuss your options.

1. Receive £170 when you switch to an HSBC Premier Account or HSBC Premier Account using the Current Account Switch Service within 30 days of account opening, move at least 2 Direct Debits or standing orders and within 60 days pay at least £1,500 into the account. This offer isn’t available to customers who hold an HSBC current account at the time of application or who’ve held one at any time since 1 January 2019, nor those who’ve opened a first direct account since 1 January 2019. If you opened a first direct account before 1 January 2019, you can still take advantage of this offer. Once you meet all our eligibility criteria we’ll pay £170 into your account within 30 days. Offer may be withdrawn at any time. Financial and other eligibility criteria apply. Further offer and account T&Cs (PDF, 176KB) apply.

2. 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

3. 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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