HSBC Premier | Bank Account

Everything you'd expect from a bank account and more

Your HSBC Premier Bank Account gives you all the day-to-day banking essentials you need - plus some useful additional benefits to make it easier to manage your money:

No monthly account fee for HSBC Premier Bank Account
You could get a luxury overnight package when you switch to HSBC Premier. T&Cs apply
Contactless Visa Debit Card
Withdraw up to £1,000 a day from HSBC cash machines in the UK and around the world¹, without being charged a cash withdrawal fee
Connected Money

See your accounts from different banks together in one place with our Connected Money app^{2 3}
Interest-free overdraft*

Apply for a £500 interest-free overdraft facility with no overdraft fee, subject to status and meeting HSBC's UK proof of address requirements
24/7 telephone banking
Call our 24-hour Direct Relationship Management service any time, day or night
Online banking
Make payments, pay bills and transfer money quickly, easily and securely online
Mobile banking
Keep an eye on your account with alerts sent straight to your mobile

Luxury Overnight Package By HSBC Premier

New HSBC Premier Customers can stay in one of 50 premium hotels from around the UK when they switch from their existing current account provider to HSBC Premier using the Current Account Switch Service. You can choose venues based on your preference of the type of experience you want to enjoy.

For each venue, you will have a specially created HSBC package which enables you to experience something unique or you can simply go to the venue and indulge in a night away.

You will receive a Premier booklet containing information about the specially selected venues and experiences, along with terms and conditions and details of the booking phone number.

Details of Hotel Packages can be found www.premiernightaway.hsbc.co.uk . All stays must be booked and taken by 16th December 2019. Hotel booking subject to availability.

Package includes cost of one night in selected hotels for two people, worth on average £300^’ Terms and Conditions apply

Package includes cost of one night in selected hotels for two people. Other charges may apply for additional services. We reserve the right to withdraw this offer at any time. Vouchers to be used by 29 July 2019.

Our Switching Offer is available from 10 September and can be withdrawn at any time.

The Offer is available to new customers only* who are UK resident, and it is subject to availability. The offer is limited to one per customer or joint relationship on eligible HSBC Permier Bank Accounts. Our partner, MLP will be booking and providing this offer on behalf of HSBC Premier. Terms and Conditions apply

* 'New customers' means customers who have not held an HSBC current account since 1January 2015.

The Current Account Switch Service is only available by either in branch or by calling our decicated switching team once your account is opened. Switching to HSBC using Current Account Switch Service cannot be done online.

Talk to us in branch today

To open your HSBC Premier Bank Account - call us on 0345 8500620 we’re here 8am to 8pm weekdays and 10am to 3pm on Saturdays and Sundays (closed on Bank Holidays).

For further information and details of the Premier Overnight Stay packages and locations available either visit our partner MLP’s website www.premiernightaway.hsbc.co.uk, or call them on 01565 656 491 9am – 5pm Monday to Friday. They’ll be happy to help.

Terms & Conditions apply

^£300 is the average cost of the packages available. Prices vary according to occupancy, package and time of year. Average price calculation taken from the packages available in the selected hotels within this offer on 15 September 2018 and 10 December 2018. Hotel booking subject to availability, does not include bank holidays. Hotel stay for 2 people for 1 night. Packages vary and costs may apply for additional services. Travel not included. Vouchers issued within 30 days, to be used by 16 December 2019 with all stays booked and taken by 16 December 2019. Offer available to new customers only who have not held an HSBC current account since 1 January 2015 and and can be withdrawn at any time. UK residents only. Further account T&Cs apply.

*Overdraft Representative example (assumed overdraft £1,200): 0% EAR variable on the first £500 and 11.9% EAR on the rest.

Apply for HSBC Premier:

To open a Premier account, you must meet certain financial and other criteria.

Check eligibility and how to apply for HSBC Premier

¹Some other cash machine operators may apply a direct charge for withdrawals from their cash machines and this should be advised on screen at the time of withdrawal. These transactions are subject to a non-sterling transaction fee, currently 2.75% of the amount of the transaction.

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.

Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the transaction amount (and for cash withdrawals a Cash Fee of 2% of the cash withdrawal (minimum: £1.75, maximum: £5)). We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current Visa scheme exchange rates are available at www.visaeurope.com.

Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside the UK. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us.

Eligibility criteria

HSBC Premier is available to you, if you pay your annual income into your HSBC Premier Bank Account and have either:

savings or investments of at least £50,000 with HSBC in the UK; or
an individual annual income of at least £75,000 and one of the following products with HSBC in the UK: a mortgage, investment, life insurance or protection product.

Or if you’ve already qualified for HSBC Premier in another country

HSBC Premier Bank Account eligibility criteria

If you'd like to open an HSBC Premier Account, please ensure you fulfil all the following criteria:

you are 18 years or older
your residential address is within the EU, or, if you live outside the EU, you can still apply for a HSBC Premier account subject to local rules and regulations and meeting the UK proof of address
you can provide us with certified proof of your identity and address and one month's bank statements from your current bank (translated into English if appropriate)
if you are resident in the UK, you are happy for us to undertake a credit register search
in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a UK resident. This is subject to status and meeting HSBC's proof of UK address requirement

For eligibility purposes, please note: HSBC in the UK excludes M&S Bank, first direct and HSBC Expat. For the second criteria listed above (‘an individual annual income of at least £75,000 and one of the following products with HSBC in the UK’), in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also include those purchased through one of HSBC's advisers.

HSBC Premier Travel Insurance eligibility criteria

Are you under 70 years of age when your trip starts? Note: When you reach 70, you will no longer be covered by HSBC Premier Travel Insurance.

Are you a resident of the UK, Channel Islands or Isle of Man?

Are you registered with a doctor in the UK, Channel Islands or Isle of Man and liable to pay local taxes?

Are you going to start and finish your trip in the UK, Channel Islands or Isle of Man?

Are there any dependent children aged under 18 at the start of the trip or under 23 if they are in full-time education and live with you outside term time? (Children will only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.)

You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the Your Health section in the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your HSBC Premier Bank Account or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.

Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

You must also declare any serious illness, injury or disease suffered by anyone whose health may cause you to cancel or abandon your travel plans, such as a close relative or travelling companion.

Pre-existing medical conditions are not covered at any time under the policy unless they have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

Apply for an HSBC Premier Bank Account

If you meet the eligibility criteria above and have read the Important Documents below and are ready to enjoy the benefits of becoming an HSBC Premier customer, take the next step and contact us:

Apply by phone

Call us on 0800 328 1296

From outside the UK: +44 1226 260 260

Lines are open 8am to 8pm weekdays and 10am to 3pm on Saturdays and Sundays (closed on Bank Holidays).

Textphone numbers Opens in overlay

Apply in branch

You can apply for the HSBC Premier Bank Account by visiting one of our branches. You’ll just need to bring some identification, proof of your address and a recent bank statement.

Existing HSBC customers:

Log on to book an appointment to apply for HSBC Premier This link will open in a new window

Non HSBC customers:

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Existing HSBC Premier customers

For more information or telephone banking, please call:

In the UK: 03457 707070

From outside the UK: +44 1226 260 260

Lines are open 24 hours a day, subject to scheduled maintenance periods.

Brochures and key facts

HSBC Premier is subject to status. We'll review your account on a regular basis and if you no longer meet the qualifying criteria, we'll transfer your account to a Bank Account.

Account opening and credit is subject to status. All applicants are required to provide a passport or national ID card and proof of permanent residential address.

UK ring-fencing

In line with new UK banking rules, we're creating a separate ring-fenced bank called HSBC UK for our personal and commercial customers.

For more information, please visit: www.hsbc.co.uk/ringfencedbank

Important documents

Before applying, please take the time to read the following documents. You may also want to save them for future reference.

Discover more Premier products and services

HSBC Premier credit cards

Enjoy travel and rewards benefits.

Luxury Overnight Package by HSBC

Luxury Overnight Package By HSBC Premier

You could get a luxury overnight package worth on average £300, in one of 50 premium hotels from around the UK, when you switch to HSBC Premier using the Current Account Switch Service - you must transfer at least two active Direct Debits or Standing Orders to your Eligible Account within 30 days of the account being opened Offer could be withdrawn at any time.

Terms and conditions apply