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Accessing your money during the coronavirus outbreak

We’re taking a number of steps to make sure you can manage your money as usual.

1. Refilling ATMs

Even if a branch near you has to close, or change it's opening hours, we’ll still make every attempt to refill external ATMs so there’s enough cash available. But just like with goods from the supermarket, there’s no need to withdraw more money than normal. 

You can also do much of your banking online. This includes:

Banking online can help you stay safe and also reduce the demand on our branches and call centres so they can focus on the most urgent issues.

2. Payment and withdrawal limits

From 1 April 2020, contactless card limits have changed from £30 to £45 so you won’t have to touch card readers. Retailers will update the limit on their card readers over the coming weeks.

We will not be making any changes to our debit card withdrawal limits. We encourage you not to withdraw more cash than normal and to continue to use a debit card, contactless or mobile payments. 

Many stores are starting to only accept contactless payments for health reasons. If you only have cash available, you may be limited in the purchases you can make.

3. Keeping savings secure

HSBC is backed by the Financial Services Compensation Scheme (FSCS). The FSCS guarantees your money up to £85,000 per person, per institution. Joint accounts have protection up to £170,000.

Get more information about deposits with HSBC.

You can see which other banks, building societies and credit unions are backed by the FSCS at

It’s easy to get in touch online. Talk to us directly through our chat channels.