Get more from your current account
Show your money who's boss with our Bank Account. It gives you everything you need for everyday banking, including access to a range of savings accounts and money-savings offers. And there's no monthly account fee.
Open an account today in our app.
Here's what you get with your HSBC Bank Account
Access the world with HSBC Global Money
With an HSBC Bank Account you can apply for an HSBC Global Money Account. This lets you convert, hold or send money in 50 currencies across 200 countries and regions worldwide, with competitive exchange rates. Add your Global Money debit card to your digital wallet to start using it straight away. Global Money is only available via the HSBC app. Global non-HSBC fees may apply. Learn more
Access our 5.00% AER / gross Regular Saver
Start saving from just £25 a month with our Regular Saver. Save between £25 and £250 a month for a fixed 12-month term. Withdrawal restrictions apply.Footnote link 1
An optional arranged overdraft
You can apply for an arranged overdraft (subject to status), handy for unexpected expenses. Learn more about optional arranged overdrafts.
Make banking a breeze with our app
Make payments. Pay in cheques. Freeze and unfreeze your card. You can do it all in a few taps with our Mobile Banking app. You can also see any other HSBC products you have, like your mortgage or credit card, all in one secure place.
Plus pay on the go with Apple Pay, Samsung Pay, Google Pay or your contactless Visa debit card. Limits may apply.Footnote link 2
Understand your money at a glance
Get instant notifications every time money goes in or out of your account, so you know exactly where you stand.Footnote link 3 You can also see what your balance will be after bills – making budgeting much easier.
See your spending broken down into categories and set targets to help control it with Spending insights and Monthly budgets.
Freedom to bank the way you want. Online, in-app, by phone or in-branch. However you prefer to do your banking, we've got you covered.Footnote link 4
Get more from your money
Get access to our full range of savings accounts as an HSBC current account customer including our Regular Saver and Online Bonus Saver.
Plus, enjoy discounts on shopping, dining, travel, experiences and more with our home&Away offers programme.
Things to know before you apply
Ready to apply? Before you do, there are a couple of things you should check you're happy with.
About your optional arranged overdraft
An arranged overdraft allows you to borrow money (up to an agreed limit) if there’s no money left in your account. This can be useful if you're hit with an unexpected bill, for example.
If a payment would take you past your arranged limit (or if you don’t have one), we may let you borrow using an unarranged overdraft. There's a chance that payments you try to make using an unarranged overdraft may be declined. However, we'll always try to allow essential payments if we can.
You can apply for an arranged overdraft when you open your account (if you apply online), or at any time later. You can ask to increase, remove or reduce your limit at any time in online or mobile banking, by phone or in-branch. Your new limit can't be less than what you owe.
We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.
This account comes with a £25 interest-free buffer. If you go overdrawn by more than that, you'll need to pay interest on the amount you borrow at the rate shown.
Overdrafts are designed for short-term borrowing only and are subject to status.
Overdraft text alerts
If we’ve got your mobile number, we’ll send you an SMS text alert if you’ve gone overdrawn or we know you’re about to. These alerts are designed to help you manage your overdraft usage and avoid being charged interest.
You can opt out of overdraft text alerts by calling us or asking us in-branch – but remember you’ll be opting out for all your current accounts with us. If you opt out or we don’t have an up-to-date number for you, you could end up paying interest you might otherwise have avoided.
What are the overdraft charges for this account?
Representative example: 0% EAR (variable)Footnote link 5 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)Footnote link 6. Based on an arranged overdraft of £1,200.
How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.
The monthly cap on unarranged overdraft charges for the HSBC Bank Account is £20. Further details can be found online at our Overdrafts page.
To find out more, visit our Overdrafts page, where you can find out if you’re eligible for an arranged overdraft and use our overdraft cost calculator.
You may not be eligible for some account features if you remain resident outside the UK.
Who can apply?
You can apply for an HSBC Bank Account if you:
- Are 18 or older
- Are happy for us to do a credit check against your name (if you're applying for a joint account and live in the UK)
- Can provide ID and proof of address if needed
- Have read the important account documents below
Not the right account for you? Find out how our Bank Account compares to other HSBC current accounts.
Already an HSBC UK customer?
If you're already an HSBC customer, please apply for your account in branch. You'll also need to visit us if you'd like to upgrade or make changes to your existing account, or to open an additional account.
New to HSBC?
Want to apply for a sole Bank Account?
If you're not an existing HSBC UK customer, you can apply for a sole account in our app.
If you're on a desktop, scan the QR code to continue in the app.
If you live in the UK you can also apply for a sole account online This link will open in a new window.
Want to apply for a joint Bank Account?
If you're not an existing HSBC UK customer, and if you both live in the UK, you can apply for a joint account online in minutes.
Frequently asked questions
You might also be interested in
Switching to us is easy
We make switching banks simple. Make the move from your old bank to HSBC in just a few easy steps.
Premier Bank Account
The premium bank account that gives you access to preferred products, Premier specialists and exclusive benefits and rewards.
Money worries
Concerned about your financial situation? Find out how we could help.
Additional information
Regular Saver interest example:
- Put away between £25 and £250 a month for a fixed 12-month term. If you save £250 every month for 12 months at 5.00% AER/gross pa interest rate, you'll earn approximately £81.25 interest (gross).
- AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest paid before any tax (where applicable) has been deducted. No partial withdrawals allowed. Withdrawal restrictions apply.
- Apple Pay is a trademark of Apple Inc., registered in the US and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
- You'll need to opt in to receive instant notifications. You can do this in our app. This feature is currently being rolled out and may not yet be available on all devices.
- Find out more about the operating systems our app works on
- EAR stands for Effective Annual Rate. This is how all UK banks must show interest rates on their overdrafts, to make it easier for you to compare one bank’s overdraft with another. Please note that it doesn’t include any fees you might be charged in addition to interest.
- APR stands for annual percentage rate. This is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges you may have to pay, as well as any interest-free amount.