Table of contents

Make the most of your card in the UK

Paying for goods in shops and restaurants

Enjoy the convenience of using your debit or credit card in any outlet displaying the logo on your card (i.e. VISA or MasterCard).

Withdrawing up to £100 cashback

When you pay with your debit card, many shops, supermarkets and other retailers offer a cashback service of up to £100.

Shopping safely online

We provide an extra layer of security when you shop online with your HSBC UK debit card and credit card, using the Verified by VISA or Mastercard Identity Check service. It's free and you don't need to register.

When you make an online purchase with your HSBC UK debit card or credit card, you may be asked to enter a one-time passcode (OTP) if we need to check that your purchase is genuine. We’ll send you a unique 6-digit OTP by text message to use.

To help us keep you safe online, please make sure you keep your contact details up to date. You can do this online or by calling us on 03457 404 404.

Cash withdrawals

As a debit card customer, you can withdraw cash from any HSBC cash machine with no transaction fee. Your daily cash withdrawal depends on the type of current account you hold:

  • For HSBC Bank account it is £300
  • For HSBC Advance it is £500
  • For HSBC Premier it is £1,000
  • For HSBC Jade it is £1,000

Please note that credit card customers will be charged a cash advance fee. Also, unlike with purchases, interest is charged on cash withdrawals with a credit card from the date when the transaction is applied to your account until the date payment is received. See more about credit card fees.

Please be aware that non-HSBC cash machines may charge you a transaction fee. This will be shown on screen when you make the withdrawal. Also cash withdrawal limits will apply.

As with all payments and withdrawals, this is subject to you having sufficient funds available.

Make the most of your card outside the UK

Paying for goods in shops and restaurants

Enjoy the convenience of using your HSBC debit or credit card in any outlet that displays the logo on your card. Fees apply. See more about debit card fees and credit card fees

Withdrawing local currency

Whether you're away on business or on holiday, you can use your debit or credit card at cash machines outside the UK whenever you need extra currency. Please note that fees apply and non-HSBC cash machines may also charge you a fee. 

Cash machine locator

Non-sterling transactions

We've made some changes to how we present non-sterling transactions on statements. Find out more.

 

Contactless debit and credit card

Make low-value payments with just the tap of your card

You can use your Contactless debit and credit card to make payments up to £30 at any retailer that accepts Contactless. Just look for the logo Contactless Sign.

You can use your contactless card abroad just as you can in the UK. Contactless transactions will be accepted wherever the contactless symbol is displayed. Please be aware that the contactless transaction limit of £30 may vary depending on local limits (may be more or less).

No need to carry cash around

Rather than search for loose change, simply tap your card at retailers to pay for coffee, newspapers, sandwiches and all manner of low-value items at participating retailers.

Find out more information on Contactless and where to use it.

 

Contactless with TFL

London's public transport network accepts contactless payment cards. This means you can use your contactless card to pay for single fare journeys.

However if your card is new then you will need to have made at least one transaction with Chip and PIN/Signature to enable the Contactless functionality on your card.

For details about how it works, charges, fare capping and more, please visit www.tfl.gov.uk.

 

Useful security information

Read how we can work together to keep your HSBC card safe, including:

  • protecting your card and PIN
  • covering your PIN when you enter it to stop others seeing it
  • never divulging your PIN to anyone, even if they claim to be police or HSBC staff
  • checking statements and query transactions you don't recognise

Foreign usage fees

Debit card fees and credit card fees outside the UK

Debit card fees outside the UK
  Purchases
Withdrawals

More

information

HSBC Premier
Non-Sterling transaction fee 2.75%
Non-Sterling transaction fee 2.75%
Find out more
HSBC Advance
Non-Sterling transaction fee 2.75%
Non-Sterling transaction fee 2.75%
Find out more

Other HSBC

accounts

Non-Sterling transaction fee 2.75%

Cash Fee 2% (Minimum £1.75, maximum £5.00)

 

Non-Sterling transaction fee 2.75%

Find out more
Debit card fees outside the UK
  HSBC Premier
Purchases
Non-Sterling transaction fee 2.75%
Withdrawals
Non-Sterling transaction fee 2.75%

More

information

Find out more
  HSBC Advance
Purchases
Non-Sterling transaction fee 2.75%
Withdrawals
Non-Sterling transaction fee 2.75%

More

information

Find out more
 

Other HSBC

accounts

Purchases
Non-Sterling transaction fee 2.75%
Withdrawals

Cash Fee 2% (Minimum £1.75, maximum £5.00)

 

Non-Sterling transaction fee 2.75%

More

information

Find out more
Credit card fees outside the UK
  Purchases
Withdrawals

More

information

HSBC Credit Card
Non-Sterling transaction fee 2.99%

Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

Find out more
HSBC Premier World Elite™Mastercard®
Non-Sterling transaction fee 2.99%

Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

Find out more

HSBC Premier Credit Card

Non-Sterling transaction fee 2.99%

Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

Find out more
HSBC Student Credit Card
Non-Sterling transaction fee 2.99%

Cash Fee 2.99% (minimum £3.00)

 

Non-Sterling transaction fee 2.99%

Find out more
Credit card fees outside the UK
  HSBC Credit Card
Purchases
Non-Sterling transaction fee 2.99%
Withdrawals

Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

More

information

Find out more
  HSBC Premier World Elite™Mastercard®
Purchases
Non-Sterling transaction fee 2.99%
Withdrawals

Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

More

information

Find out more
 

HSBC Premier Credit Card

Purchases
Non-Sterling transaction fee 2.99%
Withdrawals

Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

More

information

Find out more
  HSBC Student Credit Card
Purchases
Non-Sterling transaction fee 2.99%
Withdrawals

Cash Fee 2.99% (minimum £3.00)

 

Non-Sterling transaction fee 2.99%

More

information

Find out more

 

Any non-sterling transactions (including cash withdrawals) are converted to sterling using the relevant payment scheme exchange rate on the day the conversion is made.

We will deduct the payment and related transaction fees from your account once we receive details of the payment from the card scheme, at latest on the next working day.

For more information, you can check the rate of exchange Visa used when converting your transaction using Visa’s currency converter

 

Cost illustrations

Cost illustration of making a transaction outside the UK of €100.00 using an example Visa exchange rate of 0.876855 = £87.69. The following fees would have been added appropriate to your card and transaction as per the tables below:

Cost illustration
Visa Debit Card
Purchases
Withdrawals
Bank Account

Non-Sterling transaction fee: £2.41

 

Cash fee: N/A

Non-Sterling transaction fee: £2.41

 

Cash fee: £1.75

HSBC Advance & HSBC Premier

Non-Sterling transaction fee: £2.41

 

Cash fee: N/A

Non-Sterling transaction fee: £2.41

 

Cash fee: N/A

Cost illustration
Visa Debit Card
Bank Account
Purchases

Non-Sterling transaction fee: £2.41

 

Cash fee: N/A

Withdrawals

Non-Sterling transaction fee: £2.41

 

Cash fee: £1.75

Visa Debit Card
HSBC Advance & HSBC Premier
Purchases

Non-Sterling transaction fee: £2.41

 

Cash fee: N/A

Withdrawals

Non-Sterling transaction fee: £2.41

 

Cash fee: N/A

Cost illustration for Credit Card
Visa Credit Card
Purchases Withdrawals
HSBC Credit Card & HSBC Student Credit Card

Non-Sterling transaction fee: £2.62

 

Cash fee: N/A

Non-Sterling transaction fee: £2.62

 

Cash fee: £3.00

Cost illustration for Credit Card
Visa Credit Card
HSBC Credit Card & HSBC Student Credit Card
Purchases

Non-Sterling transaction fee: £2.62

 

Cash fee: N/A

Withdrawals

Non-Sterling transaction fee: £2.62

 

Cash fee: £3.00

 

See more information on the rate of exchange MasterCard used when converting your transaction.

 

Cost illustration of making a non-sterling transaction of €100.00 using an example MasterCard exchange rate of 0.875944 = £87.59. The following fees would have been added appropriate to your card and transaction as per the tables below:

Cost illustration
MasterCard Credit Card
Purchases
Withdrawals
HSBC Premier Credit Card

Non-Sterling transaction fee: £2.62

 

Cash fee: N/A

Non-Sterling transaction fee: £2.62

 

Cash fee: £3.00

HSBC Premier World Elite™ MasterCard®

Non-Sterling transaction fee: £2.62

 

Cash fee: N/A

Non-Sterling transaction fee: £2.62

 

Cash fee: £3.00

Cost illustration
MasterCard Credit Card
HSBC Premier Credit Card
Purchases

Non-Sterling transaction fee: £2.62

 

Cash fee: N/A

Withdrawals

Non-Sterling transaction fee: £2.62

 

Cash fee: £3.00

MasterCard Credit Card
HSBC Premier World Elite™ MasterCard®
Purchases

Non-Sterling transaction fee: £2.62

 

Cash fee: N/A

Withdrawals

Non-Sterling transaction fee: £2.62

 

Cash fee: £3.00

 

You receive up to 56 days interest-free credit on credit card purchases if you pay your whole balance in full and on time.

Please be aware that interest is charged from the date transactions are applied to your account until payment is received. There is no interest-free period on cash advances. Some cash machine operators may apply a direct charge for withdrawals from their cash machines. This will be shown on-screen at the time of withdrawal.

Also, cash withdrawal limits will apply.

You can use your card to make non-sterling cash withdrawals from self-service machines operated by a third party and agree that the third party will perform the currency conversion for you. The applicable exchange rate, the amount of cash you will receive and the amount in sterling will be shown on the screen. The amount in sterling will be deducted from your account balance when we receive details of the payment from the self-service machine operator, at the latest on the next working day.