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Making payments

Send money quickly, easily and securely

Making payments easy

Send money to friends and family up to your account's personal payment limit with online and mobile banking – the fastest and most secure way to make payments.

Pay companies up to £50,000, with higher limits available for Premier and Private Banking accounts. If you're under 18, the limit is £25,000. If you need any help, check out these guides and frequently asked questions.

Making payments tool

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Pay a company

We've pre-filled the account details for hundreds of major companies. So if you're paying a utility bill, search 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 app

  1. Log on to the HSBC UK Mobile Banking app
  2. Select ‘Pay’, then choose ‘Pay a bill or company’
  3. Choose the account you'd like to send the money from, then select the company from the list - if it’s not there, select ‘Add a new company’
  4. Input all details for your company payee, then follow the on-screen instructions to complete

Watch our video for more details on paying a company on the app.

Download Transcript for How to send money to a company using our app This link will open in a new window

Using online banking

  1. Log on to online banking
  2. Choose 'Pay and transfer' from the quick links section
  3. Select which account you want to make the payment from
  4. Select 'Using our company look-up', then select the company and follow the on-screen instructions

Pay someone new

If you're paying anyone for the first time, you'll need their sort code and account number.

Using the app

  1. Log on to the HSBC UK Mobile Banking app
  2. Select ‘Pay’, then choose the right option under 'Send Money'
  3. Choose the account you'd like to send the money from
  4. Tap 'Add a new payee'
  5. Input all details for the payee, tap 'Check payee details', then follow the on-screen instructions to complete

Watch our video for more details on paying someone new on the app.

Download Transcript for How to send money to family and friends using our app This link will open in a new window

Using online banking

  1. Log on to online banking
  2. Select 'Pay and transfer' from the quick links section
  3. Select which account you want to make the payment from
  4. Select 'A new payee' then tell us the currency and country the payment is going to
  5. Follow the on-screen instructions to complete

Transfer money between your HSBC accounts

You can send money directly to your accounts or pay your HSBC credit card.

Using the app

  1. Log on to the HSBC UK Mobile Banking app
  2. Select ‘Pay’, then choose the right option under 'Send Money'
  3. Choose the account you want to move the money from, and the one you want to move it to
  4. Follow the on-screen instructions to complete

Using online banking

  1. Log on to online banking
  2. Select 'Pay and transfer' from the quick links section
  3. Choose the account you want to transfer money from, and in the 'To' section, select 'Your own HSBC accounts'
  4. Tell us where you'd like to send the money
  5. Follow the on-screen instructions to complete

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. Payees are removed from your list of payees and need to be added again if you haven't sent them money in the last 13 months.

Using the app

  1. Log on to the HSBC UK Mobile Banking app
  2. Select ‘Pay’, then choose the right option under 'Send Money'
  3. Choose the account you want to make the payment from
  4. Choose the person you're paying
  5. Input the payment details and choose the 'Reason for payment' (this will be pre-filled with the option you used to pay this person on your last transaction)
  6. Follow the on-screen instructions to complete

Using online banking

  1. Log on to online banking
  2. Select 'Pay & Transfer' from the quick links section
  3. Choose the account you want to transfer money from, and in the 'To' section, select 'Your saved payees'
  4. Tell us who you want to send the money to
  5. Input the payment details and choose the 'Reason for payment' (this will be pre-filled with the option you used to pay this person on your last transaction)
  6. Follow the on-screen instructions to complete

How to Authorise Payments in Online Banking

When you're using online banking to send money to a new payee, we'll ask you to authorise the transaction. This'll be either by entering a one-time transaction code generated from your physical Secure Key (PSK), or by approving the payment directly in your HSBC Mobile Banking App. Here's how to do it:

Using a Mobile Banking App

1. Open your HSBC Mobile Banking app

After entering payment details in Online Banking, follow the on-screen instructions to open your HSBC Mobile Banking app.

2. Authenticate yourself

Authenticate yourself using Biometrics or by entering your Mobile Banking PIN on the app.

3. Confirm payment on the app

Review the payment details being displayed on the phone screen and select  'Approve'.

4. Review and confirm payment in online banking

Return to Online Banking and review the payment details, then click 'Confirm' 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.

Other types of payment

UK payments above your digital payment limit are usually sent as a CHAPS payment. You can do this over the phone, in branch, or by post.

If you're not sure what your daily payment limits are, you can find out in our FAQ.

To make a CHAPS payment in branch, you'll need to bring valid ID and the details of the person you want to pay. You can make the payment with telephone banking using your Telephone Security Number or Voice ID.

Find out more about CHAPS payments.

 

Personal payment limits

You can personalise your payment limits in the HSBC UK Mobile Banking app. These limits will apply when you transfer money through online and mobile banking to friends and family. 

Find out more about increasing or decreasing your personal payment limits.

Frequently asked questions

What are my daily digital payment limits? 

What happens if I mistype the details and send money to the wrong account? 

What if the payment amount is less than £1.00? 

I’m paying someone new, what should I use as the reference? 

What if a company doesn’t have a 4-digit reference? 

I’ve entered in the wrong digits on my physical Secure Key, how do I go back and change them? 

Explore more

Confirmation of payee

 

Helping you make sure your payee is a perfect match.

Mobile banking

 

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

Branch banking

 

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

Telephone banking

 

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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