A series of guides to help you tackle your debts and take control of your finances.
Understand borrowing
What is debt consolidation?
A debt consolidation loan can help you bring your debts together and create a simple repayment plan.
How to use a balance transfer
See how to use a balance transfer credit card in a cost-effective way.
What is APR?
Find out more about APR, how it’s calculated and why it matters.
Setting a path ahead
How to prioritise repaying debts
Smallest debt first or the most expensive? See what to consider.
How to repay debts faster
Ways to reduce the amount you owe without dramatically changing your spending.
How to build your credit score
Lists the actions you can take to improve your credit score.
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
Should you save or repay debts?
Look at when you may want to focus on debts and when it could be worth prioritising your savings.
Should you get a credit card or loan?
See the benefits and considerations of both, as well as when each may suit.
Invest or repay your debts?
The answer's not always black and white.
Getting back on top of things
What to do if you fall behind on debt repayments
Some steps you can take to help you get back on track.
Where to go for assistance
There are plenty of ways to get help if you’re worried about debt.
Managing your money with tech and tools
Helping you work out which tools might be best for you.
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:
08:00-21:00, Monday to Thursday
08:00-18:00 on Fridays
08:30-16:00 on Saturdays
Please note, lines will not be open on Christmas Day, Boxing Day and New Year's Day.
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:
- Citizens Advice - https://www.citizensadvice.org.uk
- AdviceUK - https://www.adviceuk.org.uk
The following helpline services can offer help and advice:
- National Debtline - https://www.nationaldebtline.org
- StepChange Debt Charity - https://www.stepchange.org
