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Premier Bank Account

Our premium bank account, with access to retail offers and preferential rates on borrowing and savings. Financial and other eligibility criteria apply.
HSBC UK Premier Debit Card

The account that unlocks a world of opportunity

HSBC Premier is here to offer you and your family a truly premier banking experience. Whether you're buying a new home, investing in your future, caring for loved ones – or simply looking to enjoy the benefits of all your hard work.
You’ll need to meet certain financial and other eligibility criteria to apply for an HSBC Premier Bank Account.

Open an account today

It's quick and easy to apply online.

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Our Premier Account benefits

Access the world with HSBC Global Money

With an HSBC Premier Account you can apply for an HSBC Global Money Account, letting you convert, hold or send money in 50 currencies across 200 countries and regions worldwide with competitive exchange rates. Global Money is only available via the HSBC app. Non-HSBC fees may apply. Learn more.

Relax with HSBC Worldwide Travel Insurance

Enjoy worldwide travel insurance from Aviva for you and your loved ones, including winter sports cover. T&Cs apply.1 Subject to application.

Enjoy exclusive access to our savings accounts and preferential rates

Get access to our full range of savings accounts as an HSBC current account customer including our Regular Saver and Online Bonus Saver. You can also earn 3.20% AER (3.15% tax free) on your savings with a preferential rate on our Loyalty Cash ISA.

Get it all for no monthly fee

Experience all the benefits of a premium account without having to pay for the pleasure.

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Premier credit cards

Discover a world of travel benefits and rewards. As a Premier customer you’ll have exclusive access to a choice of 2 credit cards, both of which give you reward points when you spend, discounted airport lounge access – and more besides.

Representative example: 

  • 59.3% APR (variable) representative
  • 18.9% per year (variable) representative
  • based on an assumed credit limit of £1,200 with an annual fee of £195

Credit is subject to status, affordability and applicable terms and conditions.

Explore Premier credit cards

Stay on top of your global accounts

If you have HSBC accounts in other countries or regions you can manage them all online. You can also can make fee-free transfers between them in minutes.

Home & Away - your rewards portal

HSBC current accounts and credit cards allow you to access worldwide offers and discounts on everything from savings on clothing to exciting days out for the whole family. If you’re also a Premier customer, you can take advantage of extra special discounts too. We’re constantly updating our offers, so keep looking out for our new deals.

Explore Home and Away

Support for you

Our team of professionals are there to help you to manage your banking and finances. Our aim is to meet your personal needs so you can make the most of HSBC Premier. You can also get HSBC Premier Financial Advice to help you make the right choices when planning for the future. Fees and eligibility criteria also apply for our financial advice service.

Things to know before you apply

Ready to apply? Before you do, there are a couple of things you should check you're happy with.

About your optional arranged overdraft

When you open this account, you'll have the option to take out an arranged overdraft.

An arranged overdraft allows you to borrow money (up to an agreed limit) if there’s no money left in your account. This can be useful if you're hit with an unexpected bill, for example.

If a payment would take you past your arranged limit (or if you don’t have one), we may let you borrow using an unarranged overdraft. There's a chance that payments you try to make using an unarranged overdraft may be declined. However, we'll always try to allow essential payments if we can.

You can apply for an arranged overdraft when you open your account, or at any time later. You can ask to increase, remove or reduce your limit at any time in online or mobile banking, by phone or in-branch. Your new limit can't be less than what you owe.

We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.

Overdrafts are designed for short-term borrowing only and are subject to status.

Overdraft text alerts

If we’ve got your mobile number, we’ll send you an SMS text alert if you’ve gone overdrawn or we know you’re about to. These alerts are designed to help you manage your overdraft usage and avoid being charged interest.

You can opt out of overdraft text alerts by calling us or asking us in-branch – but remember you’ll be opting out for all your current accounts with us. If you opt out or we don’t have an up-to-date number for you, you could end up paying interest you might otherwise have avoided.

What are the overdraft charges for this account?

When you open your account, you can apply for an arranged overdraft. The first £500 is interest free. Anything you borrow above that but within your arranged or unarranged overdraft limit will be charged interest at 39.9% EAR (variable)2.

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

Representative example: 0% EAR (variable) 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.

To find out more, visit our Overdrafts page, where you can find out if you’re eligible for an arranged overdraft and use our overdraft cost calculator.

You may not be eligible for some account features if you remain resident outside the UK.

Who can apply?

HSBC Premier is available to you if you meet ONE of the following eligibility criteria:

Income and product

Have an individual annual income of at least £75,000 and 1 of the following with HSBC UK: a mortgage, an investment, life insurance or a protection product.

You'll also need to pay your annual income into your HSBC Premier Bank Account.

Savings or investments

Have savings or investments of at least £50,000 with HSBC UK (within 6 months of opening your account if you're new to HSBC, or before you open your account if you're an existing customer).

You'll also need to pay your annual income into your HSBC Premier Bank Account.

International Premier

Hold and qualify for HSBC Premier in another country or region.


If you're looking for a sole account (not a joint account), you can apply online in minutes below.

Your application is subject to a credit check against your name (if you live in the UK).

Not the right account for you? Check out our Advance Account or view our other accounts.

Apply for your HSBC Premier Account now

New to HSBC UK?

Non-HSBC customers based in the UK or EU eligible countries can apply for a sole account online in minutes.

If you're Premier in another country and aren’t offered Premier during account opening, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call 03457 404 404.

Lines are open from 08:00 to 20:00 every day.

If you'd like a joint account, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call 03457 404 404

Lines are open from 08:00 to 20:00 every day.

Already an HSBC UK customer?

If you’re an existing HSBC UK customer and want to discuss upgrading to a Premier Bank Account, visit one of our branches to discuss your options. Or call 03457 404 404 to book an appointment with our specialist product telephone team.

Lines are open from 08:00 to 20:00 every day.

You might also be interested in


Enjoy the flexibility of instant access with an HSBC Online Bonus Saver account.


Earn points when you spend, which you can redeem for air miles, retail vouchers and more.


Not sure if a Premier Account is for you? Compare all our current accounts.

Standards of lending practise : personal customers

Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

Additional information

1. Premier Worldwide Travel Insurance is provided by Aviva and is available to Premier account holders. You must complete a successful application for your cover to be added. You must be under 70 years of age when the trip begins. Children/grandchildren must be under 18 when the trip begins (or under 23 if in full-time education). See full eligibility criteria

2. EAR means effective annual rate. This is how all UK banks must show interest rates on their overdrafts, to make it easier for you to compare one bank’s overdraft with another. Please note that it doesn’t include any fees you might be charged in addition to interest. Back to 'Charges and overdrafts'

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 'Charges and overdrafts'

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