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Making payments

Pay and receive money, whenever it suits

We help our customers send over 13 million payments every month through our digital banking channels, our fastest and most secure means of making payments. You can send up to £25,000 when making online payments and up to £10,000 via the mobile app. If you need any help, check out these frequently asked questions and guides.

Sending money to a company

Whether you’re paying a credit card or utility bill, we’ve prepopulated the bank account details for hundreds of major companies to help make it easier for you. So if you need help sending money to a company, follow these instructions:

Mobile banking:

  1. Once logged in, select “Move Money” and choose to “send money within the UK”
  2. Select the account you’d like to pay from, then select “Payees”
  3. Select “Pay someone new” then “using UK bank details” or “using mobile number (PAYM)”
  4. Follow the on-screen instructions to complete the payment

Sending money to a company using the mobile banking app

In most cases, sending money to companies is instant. However this can vary, so please ensure you check when reviewing your payment details for accurate timescales.

Top tip: If you are paying back your HSBC Credit Card manually every month, consider setting up a direct debit to ensure you don’t miss a payment. For more information, check out our credit card repayments page.

Fraud advice: Stop and check: Scams will pressurise you to make immediate payments. Please be sure this is a genuine request - if someone claiming to be from the police, utility company or similar has asked you to do this, contact them on a trusted telephone number or email address to check.

Remember HSBC will never contact you to ask you to move your money to a “safe” account. For more information about how to protect yourself, please visit our security centre

Online banking

  1. Once logged in, select 'Move Money' and choose the account you'd like to pay from.
  2. Select ‘Using our company look-up’.
  3. Enter the company name or account details from a list of available payees.
  4. Select the company and follow the on-screen instructions.

Generating a transaction code with your Secure Key

When sending money to someone for the first time, to keep you safe we will ask you to authorise the transaction by generating a one-time transaction code on your Digital Secure Key or physical Secure Key. Using a Digital Secure Key means you only need your digital device to make payments. Find out how to upgrade to one here.

This is a security step that verifies your credentials. It also increases security against possible fraud attacks which can be potentially caused by malware.

If you set the payment up through the mobile banking app, you can authorise the transaction easily using biometrics (touch/faceID). If you set the payment up through online banking, you will need to generate a transaction code using your Secure Key. If you need any help, check out the below guides and frequently asked questions.

Steps to generate a transaction code if you are a Digital Secure Key user:   

1. Go to your secure key and tap on the transaction tab.

 

On your Secure Key, enter the last 4 digits of the account number / company reference or credit card number, ignoring any letters or special characters.  

2. Then input the whole payment amount including pence, ignoring the decimal point.

e.g. £245.67 should be input as 24567

3. Then use Touch/Face ID or your Digital Secure Key password to generate your transaction code. 

 

Enter the 6-digit transaction code in Online Banking and select continue to complete your payment.

Steps to generate a transaction code if you are a physical Secure Key user:

1. Press and hold the green button to turn your secure key on and enter your PIN.

 

When 'HSBC' shows on screen, press the yellow button.

 

On your Secure Key, enter the last 4 digits of the account number / company reference or credit card number, ignoring any letters or special characters.  

2. Then input the whole payment amount including pence, ignoring the decimal point.

Note: if you input more than 8 numbers they will start dropping off to the left of the display

3. Then press the yellow button to generate your transaction code.

 

Enter the 6-digit transaction code in Online Banking and select continue to complete your payment.

Sending money to your family or friends

If you are paying family, friends or any other person for the first time, just ask them for their sort code and account number. Then follow these instructions: 

Mobile banking

  1. Once logged in, select “Move Money” and choose to “send money within the UK”
  2. Select the account you’d like to pay from, then select “Payees”
  3. Select “Pay someone new” then “using UK bank details” or “using mobile number (PAYM)”
  4. Follow the on-screen instructions to complete the payment

Sending money to family or friends using the mobile banking app

Online banking

  1. Once logged in, select “Move Money” and choose the account you'd like to pay from
  2. Select ‘A new payee’
  3. Select the ‘Country’ and the ‘Currency’ the payment is being made to
  4. Follow the on-screen instructions to complete the payment

Your money should reach the payee immediately subject to our standard checks. Once the payment has been made it cannot be recalled so please make sure the details you use are correct.

Fraud advice: Stop and check: Never send or receive money or give away your bank details to someone you’ve only met online, no matter how much you trust them or believe their story. For more information about how to protect yourself, please visit our security centre.

Sending money between your HSBC accounts

Everyone needs to move money between personal accounts from time to time. Whether you're adding to savings or dipping into them, here’s how you do it:

Mobile banking Online banking
1. Once logged in, select “Move Money” and choose to “send money within the UK” 1. Once logged in, select “Move money”
2. Select where you want to send the money 2. Select "Your own HSBC accounts"
3. Follow the on-screen instructions to complete the payment 3. Follow the on-screen instructions to complete the payment

Everyone needs to move money between personal accounts from time to time. Whether you're adding to savings or dipping into them, here’s how you do it:

Mobile banking 1. Once logged in, select “Move Money” and choose to “send money within the UK”
Online banking 1. Once logged in, select “Move money”
Mobile banking 2. Select where you want to send the money
Online banking 2. Select "Your own HSBC accounts"
Mobile banking 3. Follow the on-screen instructions to complete the payment
Online banking 3. Follow the on-screen instructions to complete the payment

Make an HSBC credit card repayment

You can pay your credit card off using the HSBC UK Mobile Banking app or in online banking. Just follow these easy steps:

Mobile banking Online banking
1. Log on to the HSBC Mobile Banking app 1. Once logged in, select ‘Move money’
2. Select ‘Move money’ and choose the account you’d like to send money from 2. Select ‘Using our company look-up’
3. Under ‘My accounts’,  choose the credit card you’d like to pay 3. Type HSBC in the company name field. You’ll see a list of HSBC credit cards
4. Enter the payment amount and confirm if you want to make the payment now or at a later date 4. Select the relevant card for your payment 
5. Tap ‘Continue’ and confirm the payment. 5. Follow the instructions on the screen to complete your payment.

You can pay your credit card off using the HSBC UK Mobile Banking app or in online banking. Just follow these easy steps:

Mobile banking 1. Log on to the HSBC Mobile Banking app
Online banking 1. Once logged in, select ‘Move money’
Mobile banking 2. Select ‘Move money’ and choose the account you’d like to send money from
Online banking 2. Select ‘Using our company look-up’
Mobile banking 3. Under ‘My accounts’,  choose the credit card you’d like to pay
Online banking 3. Type HSBC in the company name field. You’ll see a list of HSBC credit cards
Mobile banking 4. Enter the payment amount and confirm if you want to make the payment now or at a later date
Online banking 4. Select the relevant card for your payment 
Mobile banking 5. Tap ‘Continue’ and confirm the payment.
Online banking 5. Follow the instructions on the screen to complete your payment.

Sending money to an existing payee

After you’ve sent money to a payee for the first time, their details will be added to your list of payees. To send money to them again follow these steps:

Mobile banking Online banking
1. Once logged in, select “Move Money” and choose to “send money within the UK” 1. Once logged in, select “Move Money” 
2. Select “Payees” and chose from “My payees” 2. Select “Your saved payees”
3. Follow the on-screen instructions to complete the payment 3. Select the payee you want to pay, follow the on-screen instruction to complete the payment.

After you’ve sent money to a payee for the first time, their details will be added to your list of payees. To send money to them again follow these steps:

Mobile banking 1. Once logged in, select “Move Money” and choose to “send money within the UK”
Online banking 1. Once logged in, select “Move Money” 
Mobile banking 2. Select “Payees” and chose from “My payees”
Online banking 2. Select “Your saved payees”
Mobile banking 3. Follow the on-screen instructions to complete the payment
Online banking 3. Select the payee you want to pay, follow the on-screen instruction to complete the payment.

Sending money outside of the UK

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

Frequently Asked Questions

Useful links

man using mobile device
 

Manage your money on the move easily and securely with our Mobile Banking app

branch banking
 

Some of our branch doors are open 6 days a week.

pushing a bike
 

We offer a 24 hour automated service.

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