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Accessing your money during the coronavirus pandemic

We’ve taken a number of steps to make sure you can continue to manage your money as usual.

1. Refilling ATMs

We’re continuing to make every attempt to refill our external ATMs so there should be enough cash available. But, just like with goods from the supermarket, there’s no need to withdraw more money than normal. 

2. Banking online

If a branch near you has to close, or change its opening hours, you can also do much of your banking online or using our mobile app. For example, you can:

Digital banking can help you stay safe. It also reduces the demand on our branches and call centres, so they can focus on the most urgent issues.

3. Payment and withdrawal limits

Contactless card limits have changed from £30 to £45 so you won’t have to touch card readers. 

We’re not 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. 

For health reasons, many shops are only accepting contactless payments. If you just have cash, you may be limited in what you can buy.

4. 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 answer your query online. Visit our Help page to find out how.