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.
You could even open a Bank Account online in around 12 minutes.
How to apply How to apply for a HSBC Bank Account
Here's what youget 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 7.00% 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.[@regular-saver-interest-example]
An optional arranged overdraft
You can apply foran arranged overdraft (subject to status), handy for unexpected expenses. Learn more.
Make banking a breeze with our app
Make payments. Pay in cheques.Freeze and unfreezeyour 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.[@apple-google-samsung-pay-trademark-information]
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.[@mobile-notifications-opt-in]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.[@mobile-operating-systems]
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
When you open this account, you'll have the option to take out an 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 anunarranged 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, 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)[@ear-explanation]on the first £25,39.9% EAR (variable)on anything above that, giving arepresentative annual percentage rate (APR)of38.9% APR (variable)[@apr-explanation].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 atour 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 live in the UK)
- can provide ID and proof of address if needed
- have read the important account documents below
Important account documents
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HSBC Bank Accountfee information document (PDF, 153 KB) HSBC Bank Accountfee information document (PDF, 153 KB) Download
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HSBC Banking Terms and Conditions and Charges (PDF, 1.45 MB) HSBC Banking Terms and Conditions and Charges (PDF, 1.45 MB) Download
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Pre-Contract Credit Information (PDF, 66 KB) Pre-Contract Credit Information (PDF, 66 KB) Download
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Guide to Credit Scoring (PDF, 91 KB) Guide to Credit Scoring (PDF, 91 KB) Download
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Glossary of Terms (PDF, 75 KB) Glossary of Terms (PDF, 75 KB) Download
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Standards of Lending practice (PDF, 44KB) Standards of Lending practice (PDF, 44KB) Download
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UK FSCS Information Sheet and Exclusions List (PDF, 106 KB) UK FSCS Information Sheet and Exclusions List (PDF, 106 KB) Download
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Privacy Notice (PDF, 138 KB) Privacy Notice (PDF, 138 KB) Download
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Important notes Important notes Opens in overlay
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HSBC Bank Account welcome brochure (PDF, 1.7 MB) HSBC Bank Account welcome brochure (PDF, 1.7 MB) Download
Apply from outside the UK or EU eligible countries
If you’re applying from another country or region, please speak to your local branch to apply for an account. Or, you can apply online using the form below.
You may not be eligible for some account features if you remain resident outside the UK.
EU eligible countries
Belgium
Cyprus
Denmark
France
Germany
Greece
Malta
Netherlands
Poland
Portugal
Spain
Sweden
Apply from outside the UK or the EU eligible countries
Apply for your HSBC Bank Account now
New to HSBC?
Apply for your account online in minutes.
Apply for a sole account Apply for a sole account This link will open in a new window Apply for a joint account Apply for a joint account This link will open in a new window
Already an HSBC customer?
If you're already an HSBC customer, please apply for your account in branch.You'll also need to visit us in branch if you'd like to upgrade or make changes to your existing account, or to open an additional account.
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Find your nearest branch
Book appointment online Book appointment online This link will open in a new window
Prefer to apply in branch?
It’s usually easiest to apply online, but if you need support, visit one of our branches and we’ll help you with your application.
Please bring your smartphone with you (or a similar device, like a tablet) if you have one.
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Find your nearest branch
How do I transfer money to another bank account?
It's easy to transfer money to another account using online or mobile banking.
Simply log on, select 'Pay & Transfer', then follow the instructions.
You'll need the sort code and account number for the other account if it's the first time you've paid them.
What do I need to open a bank account?
You have to be:
- 18 or over to open a new HSBC Bank Account
- 16 or over for a Basic Bank Account
When you apply, you'll need to:
- Show proof of your ID and address
- Agree to a credit check – if you live in the UK
You can apply online or in a branch.
Please visit a branch if you want to upgrade or change an existing HSBC account.
What is a bank account number?
A bank account number is a unique 8-digit number used to identify your account.
You can find this on your statements or cheques and in online or mobile banking.
What is a sort code?
A sort code is a 6-digit number used to identify your bank and the branch where you have your account.
How many bank accounts can you have?
There's usually no limit on how many bank accounts you can have, so long as you meet the conditions for each one.
Need help finding the right account? Compare our current accounts
How do I make a deposit into my account?
You can make a deposit online or by paying in cash or cheques in a branch or a Post Office.
You or anyone else can transfer money online using your name, sort code and account number.
You can use our automated machines or pay in cash or cheques over the counter in your local HSBC branch.
If you pay in cash at the Post Office there's a limit of £3,000 per day, or £250 in coins.
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Standards of Lending Practice
HSBC adheres to the standards of lending practice guidelines.