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Making payments

Send money quickly, easily and securely

Making payments easy

Send up to £25,000 with mobile and online banking - the fastest and most secure way to make payments. If you need any help, check out these guides and frequently asked questions.

Pay a company or credit card

To make things easier, we've pre-filled the account details for hundreds of major companies. If you're paying a credit card or utility bill, try searching our company list first. If the company you're paying isn't included, you'll need to add them as a new payee.

Using the mobile banking app

1. Go to 'Pay & Transfer'

Log on, select 'Pay & Transfer', then 'Make a payment or transfer'.

2. Select your account

Choose the account you'd like to send the money from, then select 'My payees'.

3. Add a new payee

Choose 'Add a new payee', go to 'Select a company', then select 'Next'.

4. Find the company

Search for the company, then follow the on-screen instructions to complete the payment.

Using online banking

1. Log on

Log on to online banking.

2. Select 'Pay & Transfer'

Choose 'Pay and transfer from the quick links section.

3. Select your account

Tell us which account you want to make the payment from.

4. Find the company

Select 'Using our company look-up'. Select the company and follow the on-screen instructions.

Pay someone new

If you're paying family, friends or anyone else for the first time, just ask them for their sort code and account number, then follow these instructions. 

Using the mobile banking app

1. Go to 'Pay & Transfer'

Log on, select 'Pay & Transfer', then 'Make a payment or transfer'.

2. Select your account

Choose the account you'd like to send the money from, then select the 'My Payees' tab.

3. Add the payee

Select 'Add a new payee' twice, and then 'Next'.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete the payment.

Using online banking

1. Go to 'Pay & Transfer'

 Log on to online banking and select 'Pay and transfer' from the quick links section.

2. Choose your account

Tell us which account you want to make the payment from.

3. Add details

Select 'A new payee' then tell us the currency and country the payment is going to.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete your payment.

Transfer money between your HSBC accounts

Whether you want to send money to your savings account or pay your HSBC credit card, here's how to move money between your HSBC accounts.

Using the mobile banking app

1. Log on

Log on to the HSBC Mobile Banking app.

2. Go to 'Pay & Transfer'

Select Pay & Transfer, then 'Make a payment or transfer'.

3. Select accounts

Choose the account you'd like to transfer the money from, and the one you want to transfer the money to.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete the payment.

Using online banking

1. Go to 'Pay & Transfer'

Log on and select 'Pay and transfer' from the quick links section.

2. Select your account

Choose the account you want to transfer money from, and in the 'To' section, select 'Your own HSBC accounts'.

3. Select the account you're transferring to

Tell us where you'd like to send the money.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete the transfer.

Sending money outside the UK

If you're looking to send money outside the UK, please visit our international payments page for charges, rates and more information.

Send money to someone you've paid before

Once you’ve sent money to someone, their details will be added to your list of payees. To send money to them again follow these steps:

Using the mobile banking app

1. Log on

Log on to the HSBC Mobile Banking app.

2. Go to 'Pay & Transfer'

Select Pay & Transfer, then 'Make a payment or transfer'.

3. Choose your account

Tell us which account you want to make the payment from.

4. Select the payee

Choose the person you want to pay from the 'My payees' list. Then follow the on-screen instructions to complete the payment.

Using online banking

1. Log on

Log on and select 'Pay and transfer' from the quick links section.

2. Select your account

Choose the account you want to transfer money from, and in the 'To' section, select 'Your saved payees'.

3. Select the payee

Tell us who you want to send the money to.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete the transfer.

Generate a transaction code with your Secure Key

When you're using online banking to send money to a new payee, we'll ask you to authorise the transaction by generating a one-time transaction code on your Secure Key. Here's how to do it.

Using a Digital Secure Key

1. Select 'Generate security code'

Open the app, but don't log on. Select 'Generate security code' at the bottom of the screen.

2. Select code type

Select 'Transaction security code' from the list.

3. Enter payment details

Enter the last 4 digits of the account number you're sending money to, along with the full payment amount, including pence. For example, if you were paying £152.00 to account number 400500 12345678, you would enter 567815200.

4. Enter transaction code

A 6-digit code will be generated. Enter this into the 'Security code' box in online banking and select 'Continue' to complete the payment.

Using a physical Secure Key

1. Enter your PIN

Press and hold the round, green button (bottom right) to switch on, then enter your PIN.

2. Enter last 4 digits of account or card number

When the screen shows 'HSBC', press the square, yellow button (bottom left). Then enter the last 4 digits of the account number, company reference or credit card number, ignoring any letters or special characters.

3. Enter amount

Enter the payment amount including pence, ignoring the decimal point. Note: If you input more than 8 numbers they will start dropping off the end of the display, but don't worry, they've been registered.

4. Generate your code

Press the square, yellow button again to generate your transaction code.

5. Enter code

Enter the 6-digit transaction code in online banking and select 'Continue' to complete your payment.

Frequently asked questions

Explore more

 

Helping you make sure your payee is a perfect match.

 

Discover the benefits of using our mobile app for your everyday banking.

 

Find your nearest branch and learn more about what you can do there.

 

Sometimes it's good to talk. Find out what we can help with over the phone and how to get in touch.

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