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Managing debt

Read our helpful guides to reduce your debt and start saving

A series of guides to help you tackle your debts and take control of your finances.

Tackle your debt and take back control

If you've missed a bill or payment, or think you might, it's important you let us know as soon as you can. Find out more about the support we could offer you.

Understand borrowing


A debt consolidation loan can help you bring your debts together and create a simple repayment plan.


See how to use a balance transfer credit card in a cost-effective way.


Find out more about APR, how it’s calculated and why it matters.

Setting a path ahead


Smallest debt first or the most expensive? See what to consider.


Ways to reduce the amount you owe without dramatically changing your spending.


Lists the actions you can take to improve your credit score.


Talking about money can help reduce stress, manage your finances and reach your goals. Take a look.

Watch now: Managing your debt

See 5 tips to help you take control of any existing debts and potentially repay them faster.

Making decisions about borrowing


Look at when you may want to focus on debts and when it could be worth prioritising your savings.


Take a look at your options so you can find the one that suits you.


The answer's not always black and white.

Buy now pay later


Find out how buy now pay later (BNPL) works and whether it might affect your credit score.

Getting back on top of things


Some steps you can take to help you get back on track.


Use our helpful calculator to see the impact of increasing your monthly credit card repayments.


Helping you work out which tools might be best for you.


Get help if you're in persistent debt on your credit card over an 18-month period.

Managing your money

Manage your HSBC UK accounts easily and securely at any time on compatible devices.

See what you can do through online and mobile banking without leaving home.

Additional information

Seeking help

If you’re an HSBC customer and you’ve missed a payment or are worried about missing one in the future, call our team of specialists on 0345 850 0622 to get a helping hand.

Lines are open:

08:00 - 18:00 Monday to Friday

08:30 - 16:00 on Saturdays

Please note, lines will not be open on Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded. 

If your mental health is affecting the way you manage your money, we have a range of services available to support you.

Further guidance

There are a number of independent organisations who can provide help and give general advice about managing money.

You can find out about free independent money advisers in your area from:


The following helpline services can offer help and advice:

It's easy to answer your query online. Visit our Help page to find out how.