Semantic Coherence: HSBC UK – Signal Evidence & AI Readability

[H1]

Make life up to £500 more rewarding

Get £500 when you complete a full switch with a £100k+ salary OR transfer £100k+ in savings/investments.

Premier offer

New customers only. Financial eligibility and T&C's apply.

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Join HSBC Premier today

HSBC Premier is our premium account that gives you more than banking with wealth, health and travel benefits, and rewards too. Eligibility criteria and T&Cs apply.

Premier Bank Account

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Buy and manage funds on the app

It's now even easier for HSBC UK current account customers to manage, buy and sell investments in the app. Capital at risk. Fees apply.

Learn more

Learn more about buying and managing funds on the app

Current accounts

Loans

Mortgages

International

Credit cards

Investing

Savings

Insurance

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Looking for help?

Find answers to your questions and get the latest guidance.

Digital reset

Managing your account

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Growing your money

Explore ways you could make the most of your money to help reach your goals.

Stocks & shares ISA

[IMG: Current Account Switch Guarantee logo]

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HSBC Small Business Banking Account

We're here to support your business all the way, that’s why there’s no monthly account fee and free UK digital banking1.

Small Business Banking Account

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Independent service quality survey results

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Personal current accounts

[IMG: Overall Service Quality. We asked customers how likely they would be to recommend their personal current account provider to friends and family. Ranking: 1 Monzo 82% 2 Starling Bank 77% 3 Nationwide 75% 4 first direct 74% 5 Chase 72% 12 HSBC UK 57%]

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Great Britain

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Published February 2026

View full GB survey results

[IMG: Overall Service Quality. We asked customers how likely they would be to recommend their personal current account provider to friends and family. Ranking: 1 Monzo 81% 2 Nationwide 78% 3 Starling Bank 75% 4 HSBC UK 71% 5 Chase 69%]

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Northern Ireland

As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 12 largest current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Published February 2026

View full NI survey results

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on the SQI page.

[H2]
Authorised push payment (APP) scams rankings

Authorised push payment (APP) scams happen when someone is tricked into transferring money into a fraudster's bank account. Information about HSBC UK and first direct performance prior to the introduction of the reimbursement requirement in October 2024 can be found in the PSR's latest APP Scams Performance Report published in February 2026.
You can read the full report by visiting the PSR website.
If you are concerned about APP scams you can find out more on our APP scams page.

This link will open in a new window

[IMG: Logo of FSCS - Protecting your money]

Your eligible deposits with HSBC UK Bank plc are protected up to a total of £120,000, or up to £240,000 for joint accounts, by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.
This limit is applied to the total of any deposits you have with the following: HSBC UK Bank plc, HSBC Private Banking, and first direct.
Any total deposits you hold above the limit between these brands are unlikely to be covered.

Find out more

Find out more about FSCS

[H2] Additional information

1. Free UK digital banking means day-to-day standard electronic transfers made through Business Internet Banking and HSBC UK Business Banking app are free. Other charges apply e.g cheques and CHAPS. See Business Price List for details. Subject to application, eligibility, credit check and T&Cs.

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[H1] Managing your account

Everything you need to manage your account online

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Mobile and online banking

From getting set up, to getting back online

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Getting started

How to register

Setting up your Secure Key

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Find your favourite way to bank

Banking from home - the basics

Mobile banking

Banking on your computer

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Forgotten your details?

Reset your details

What to do if you lose your log on details

Secure Key help

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Account essentials

Get help with your everyday banking

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Sending money

Make a payment online

Set up or cancel a standing order

Set up or cancel a Direct Debit

Request a Direct Debit refund

Find out about Confirmation of Payee

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Changing your personal details

Change your address

Change your contact details

Change your name

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Account help

Close an account

Deposit a cheque with mobile banking

Get mobile and online statements

Understand your statement

Dormant, inactive and lost bank accounts

Electronic signatures

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Fraud and security

Spotting fraud and scams

Confirming online card purchases

Freeze or unfreeze your card

Report your card as lost, stolen or damaged

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Explore more

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Card support

Everything you need to keep your debit or credit card working for you.

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Money worries

We'll help you find support if you're worried about money.

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Financial fitness

Check your financial fitness score and get your money in shape.

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Money worries

We're here to help if you're worried about money

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Get help sorting out your finances

If you're worried about money, we can help. We've got tools, tips and calculators to help you work out what to do next. Choose the option that applies to you and you'll find the guidance you need.  Already missed a payment on an HSBC loan, overdraft, credit card or mortgage, or think you might miss one soon? Fill in an income and expenditure form so that we can work out the best way to support you.

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[H2]

What money worries do you have?

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Mortgage worries

I’ve missed a payment on my HSBC mortgage, or I'm worried that I might not be able to make future payments.

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Credit card, loan or overdraft worries

I'm struggling to repay my HSBC overdraft, loan or credit card.

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Multiple debts

I’m worried about debts I have with HSBC as well as payments to other banks or organisations.

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Guidance and more resources

If something is happening in your life that means you might need some financial support, take a look at our practical advice about managing money. You could find the support that best suits you.

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Do you rely too much on your overdraft?

If you're struggling to pay off your overdraft, here's some helpful information on what you could do.

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Improve your financial fitness

Get tips and ideas on managing your money better.

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Managing debt

Read our tips on how to reduce and repay your debts, so you can take control of your finances.

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Mental health support

Money problems and your mental health are sometimes linked, find out how we could help.

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No fixed address service

In partnership with Shelter and other UK charities, we can help people open a bank account without a fixed address.

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Financial abuse

If someone is taking advantage of your finances, we could help you take back control.

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What is a loan shark?

Learn more about illegal lending and what to do if you've borrowed from a loan shark.

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Credit card, loan or overdraft worries

We understand how stressful it can be if you're worried about money.
Whether you've missed a payment on a credit card, loan or overdraft or are about to miss one, we're here to help.
Our guidance on multiple debts might also be useful if you have other priority debt, like a utility or council bill.

[H3] What to do if you've already missed (or know you will miss) a payment or exceeded your credit or overdraft limit

If you’re finding it hard to make payments to us or think you might miss a payment, it's important to act now by letting us know. This can help to stop things from getting worse.
To get things started, you’ll need to complete an income and expenditure form.
You can do this online in your own time.
We’ll ask some questions, so we can understand your situation and the pressures you’re facing. Our financial support team can then build a personalised plan to help you prioritise your debts.
If you’d prefer to speak to our friendly team first, you can get in touch using Chat or give us a call.

[H3] What to do if you haven't missed a payment

If you haven't missed a payment, we have advice on how to budget or manage your bills. Check out our guidance and resources on everyday budgeting. Our credit card repayment calculator can help you work out how to reduce your balance faster.

[H3] How to get more information or help with persistent debt

If you've received a letter about persistent debt or want to learn more about it, visit get out of persistent debt.

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Multiple debts

If you have multiple debts and need some breathing space, you can get free, impartial advice from our charity partners, including StepChange and National Debtline.
StepChange have 30 years of experience providing expert advice and debt solutions for people.
If you’d like to do this, we can give you Breathing Space while you work with them.
This is the best option if you've missed a payment with several banks or organisations other than HSBC or are about to miss one.
It can feel daunting, but the sooner you reach out, the simpler it is to ease your money worries.
Find more free money advice services.

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Get other money advice for free

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StepChange Debt Charity

StepChange Debt Charity This link will open in a new window

Free debt advice from impartial experts - use their Money Health Check to get back on track.

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MoneyHelper

MoneyHelper This link will open in a new window

Get free, impartial advice on how to manage your money.

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National Debtline

National Debtline This link will open in a new window

Free help and advice on dealing with your debt.

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Shelter

Shelter This link will open in a new window

Housing advice including mortgages, rent and benefits.

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Citizens Advice

Citizens Advice This link will open in a new window

Free and independent advice to give you the confidence to find your way forward.

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PayPlan

PayPlan This link will open in a new window

Help with reducing monthly payments to free up more money for you and your family.

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[H1] International services

Whether you’re living, studying or investing abroad, our international banking services help you feel at home wherever you are.

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Global Money

Convert, spend and send multiple currencies from around the world, with no HSBC fees. Other non-HSBC fees may apply. Eligibility criteria also applies.

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Bank internationally with HSBC

From seamless digital banking and special offers abroad, to wealth management, tax and relocation guidance, we move with you – whatever your global banking needs are.

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Open accounts in over 20 destinations

Open an account pre-departure, or once you arrive. Plus, for certain locations, you can do it all online.

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Wherever home is, your bank is too

Manage your global accounts from one place online, and make transfers between them with no HSBC fees.

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Settle in with a local credit card

You can apply for a credit card in your new destination.

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Value-added global services

Wherever you are in the world, you can access seamless support and professional services that go beyond banking.

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Open an account

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Apply for a UK account

We can help you open an account, whether you're in the UK or applying from elsewhere.

Apply from outside the UK

Already in the UK? Explore our accounts

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Open an account outside the UK

Looking to move, work or invest abroad? Find out how to apply for an account in another destination.

How to apply

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Our international services

Discover how we support you globally, from everyday global banking to expert local guidance.

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Send money outside the UK

Send money from the UK to over 150 destinations worldwide, with live exchange rates during market opening hours. Fees may apply.

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International property services

From finding and financing, to moving and maintenance, we can help with your overseas property. Eligibility criteria apply.

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Using your card outside the UK

Heading off on your travels? Find out all you need to know about using your HSBC cards while you're away.

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International benefits

Explore our value-added services, from tax solutions and relocation support to special offers worldwide.

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Global View and Global Transfers

View your global HSBC accounts and move money between them securely with no HSBC fees.

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HSBC Currency Account

Store, send and receive money in 14 major currencies.

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Credit cards for UK newcomers

Your credit history doesn't need to stay behind when you move to a new country. We can help you to use it in your new home.

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Travel money

Going on holiday? Order your travel money online and get fee-free delivery to home or a selected HSBC Full and Cash service branch.

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Banking in the UK

Check out our guides to living and studying in the UK to make settling in as smooth as possible.

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Living in the UK

Make the most of your new life in the UK with support from our international services.

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Studying in the UK

Find out how you can make the most of studying abroad with HSBC.

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Indian Nationals in the UK

A seamless way to manage your finances in India from the UK.

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HSBC Expat

Our international account that helps make life easier for expats.

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International support

Check out our guides on moving or travelling, and get tips on managing your money in the UK and overseas.

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Global directory

Find out where you can bank internationally with us and how to get in touch.

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UK help

Find the support you need for your UK accounts.

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Frequently asked questions

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How do you send money abroad?

The easiest way to send money abroad is through an international money transfer.
You can make a money transfer via online or mobile banking, or with a Global Money Account.
Charges for international payments may apply. Please check your account terms and conditions for more information.

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Can I keep my UK bank account while living abroad?

You can keep your UK bank account if you move abroad. Make sure you use it from time to time to prevent it from becoming dormant. Some account features may not be available while you're living outside the UK.

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How much money can I send abroad from the UK?

There aren’t any legal transfer limits in the UK, but your transfer provider may set a limit on how much you can send. These limits can be set daily, monthly, or yearly.
For most banks, international transfer limits are between £25,000 and £50,000.
With HSBC UK, you can transfer up to £50,000 online or through your mobile, and up to £10,000 (£10 million for Premier customers) if you transfer by phone.

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Can I receive money from abroad in my bank account?

Yes, you can receive international payments.
To do this, you’ll need to give the sender your IBAN and BIC.

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What is an international bank account?

An international bank account is an account that helps you manage your finances across multiple countries or currencies. There are different accounts available that can be useful.
For example, some accounts let you hold, send and manage multiple currencies. These types of accounts often come with live exchange rates too. If this is a feature you need, you might be interested in are Global Money and the HSBC Currency Account.
If you have other international banking needs, you may be interested in an overseas bank account or want to explore HSBC Expat.

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Can I open a bank account abroad?

Yes, you can open a bank account abroad – these are sometimes called overseas accounts.
You might find it useful to open an overseas bank account if you’re moving or have financial needs in another country, or you may want to explore HSBC Expat.
If you’re a Premier customer, you’ll automatically qualify for Premier wherever you bank with us. You’ll also be able to manage your worldwide accounts on the go with our Global View service, and make free transfers between them with Global Transfers (also available to HSBC Advance account holders).

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Can I open an international bank account online?

Yes, you can open overseas accounts in multiple destinations.
There are different ways to open an international account, including online.
When opening your account, you’ll need to make sure your personal information is up to date.

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How do I apply for an international bank account?

To open an overseas bank account, you’ll need your:
Identity details including your full name, date of birth and nationality as they appear on your ID documents
Employment, income and tax details
If you're applying for a joint account, you'll need to provide details for both applicants.

[H2]

Making the most of your international journey

Check out our guides on moving or travelling, and get tips on managing your money in the UK and overseas.

[H3]
Setting up your finances outside the UK

Get the lowdown on what you need to do to manage your money if you're moving away from the UK.

[H3]
How does banking work in the UK?

Find out the basics of how UK banking works so you can make the most of your money when you arrive.

[H3]
What is a currency account?

Discover why currency accounts can be useful if you regularly make payments or receive money in other currencies.

[H3]
USA travel guide

Get these essential USA travel tips, whether you're heading for Chicago or Chattanooga, New York or Nebraska.

[H3]
Building your credit rating when you’re new to the UK

Find out how you may be able to use your international credit record if you’re moving to the UK.

[H3]
Türkiye travel guide

Check out these handy travel and money tips if you're taking a trip to Türkiye.

[H3]
Managing your money before, during and after travel

Get tips on planning your holiday spending so you don't go over budget while you’re away.

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Using your card outside the UK: fees and charges explained

Planning a trip? Find out all you need to know about using your HSBC cards while you're away.

[H3]
France travel guide

Find out everything you need to know before taking a trip across the English Channel.

[H3]
Should you pay in local currency outside the UK?

Find out more about the differences between making a card payment outside the UK in pounds sterling and local currency.

[H3]
Sending money outside the UK: key words and definitions

[H2]

Disclaimer

Any international account is subject to qualifications, status and local country or region laws and regulations.

[H1] Loans

Whether you want a bank loan to buy a car, improve your home or consolidate your existing debts, compare our loans to find the one that’s perfect for your plans[@eligibility-criteria-apply].

[H2]

Personal Loan

Borrow from £1,000 to £30,000 with a personal loan and make your goals a reality.

Key information
6.2% APR representative available for loans between £7,500 and £20,000

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Car Loan

Get a loan for a new or used car that you pay back at the speed you want.

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Premier Personal Loan

Borrow up to £50,000 with a personal loan for Premier customers.
Key information
5.7% APR representative available for loans between £10,000 and £30,000

[H2]

What are you looking to use your loan for?

[H3]

Want to borrow more?

If you already have an HSBC loan you can either take out an additional loan or top up your existing loan.

[H3]

Home Improvement Loan

Make your dream home a reality with a home improvement loan.

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Debt Consolidation Loan

Help make your debts easier to manage with a single monthly repayment plan.

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Holiday Loan

Make your dream trip a reality with a Holiday Loan.

[H2]

Making the most of your loan

Read our helpful guides about how loans work, and what you could use them for.

[H3]
Things to consider when buying a used car

Get tips on things to keep in mind when buying a used car, from working out your budget to insurance.

[H3]
What is a secured loan?

Get to know how a secured loan works, its benefits and things to consider before taking one out.

[H3]
What is an unsecured loan?

Get to know the types of unsecured loan and things to consider before taking one out.

[H3]
What are some of the different types of loan?

Learn about different types of loan you might come across, such as secured and unsecured.

[H3]
What is a joint loan?

Learn how a joint loan lets you to borrow money with a partner, relative or close friend.

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Work out the total cost of a loan

[H3]

Personal Loan calculator

Find out your estimated representative interest rates and monthly repayments without impacting your credit score.

[H2]

What other people are asking

[H3]

How to get a loan?

You can apply for an HSBC loan directly on our website, or by visiting your local branch.
You'll usually need some important documents like your ID and proof of address.

[H3]

What is a secured loan?

A secured loan is a type of loan that uses your property (or another asset) as collateral if you can’t make your repayments.
This means you could lose your home if you can’t keep up with your repayments.

[H3]

What is an unsecured loan?

An unsecured loan – also called a personal loan – allows you to borrow a fixed amount, without needing an asset, such as your home, as collateral.

[H3]

What is a loan?

A loan allows you to borrow a sum of money, which you pay back in instalments – usually with interest – within a set timeframe.

[H3]

What is APR on a loan?

The Annual Percentage Rate (APR) is your loan’s cost of borrowing. It takes into account your loan’s interest rate and extra fees, shown as a percentage.

[H3]

Can you pay a loan off early?

Loan providers will allow you to repay a personal loan early, but they may charge you an early repayment charge (ERC).

[H3]

How long does it take to get a loan?

The loan approval process can vary depending on your lender and the type of loan you’re applying for.
Approvals can take anywhere from seconds to a week or so.

[H3]

How can I calculate my loan repayments?

Your loan repayments are calculated based on your total loan (and interest) and the number of months you’d like to borrow the money.
You can calculate your loan repayments using our personal loan calculator.

[H2]

Explore more

[H3]
Pros and cons of joint borrowing

If you're thinking of borrowing money with your partner, make sure you're aware of the benefits and risks involved.

[H3]
What is PCP car finance?

Find out more about how PCP car finance works and things to consider.

[H3]
How to manage your loan repayments

Discover 6 steps to make managing your loan repayments simpler.

[H3]
How to finance a car

Read our guide to the different finance options to think about when buying a car.

[H3]
5 tips on managing money as a student

Read these tips for staying on top of your finances as a student, including applying for a maintenance loan.

[H3]
How does leasing a car work?

Read our guide to help you understand about leasing a car and the pros and cons of it.

Disclaimer

[H1]

Mobile banking

Banking from the palm of your hand.

Get the app
Get the app link opens in an overlay

[H2]
Tap into a smart way of managing your accounts

Download the app and register in minutes. Manage your accounts on the go, with access to your cards and payments at your fingertips.

[H2]
Benefits of mobile banking

[H3]

Smooth navigation

Move swiftly between your most used services and look after your banking, investments and credit cards from your screen.

[H3]

Easy to use

Swipe left or right to move between key services, and find all app functions in a single 'Library' page.

[H3]

Quick global connections

Send money to over 200 countries and regions, and move funds between your linked HSBC global accounts with ease.

[H3]

Easy to get help

Get 24/7 support with our chat feature on every page to help you complete tasks and find what you need quickly.

[H2]
Our best features

[H3]
Tailor the app to your needs

Set the homepage up how you want to view your account balances, investments and Balance forecast. Plus, choose the quick links you want to see that'll take you to your most used services.

[H3]
Easy to explore products and services

Move between products and services with our swipe left or right feature. Plus, we've grouped together related products and features in single hubs so you can get things done in fewer taps.
Learn more about our dedicated hub pages.

[H3]
Simple payment processes

Make payments to home and existing international payees from a single hub. You can also pay your last 8 payees without re-entering their key details, and quickly access frequently used payment methods.

[H3]
Always on hand to help

Get help with your banking queries easily by contacting us through the chat feature, available on every page. You can even ask for help by speaking your query.

[H2]
Hub pages make tasks simpler

We've created dedicated hubs for key products and services. This means you can do all related tasks on the same page.

Mobile money management

Use our Money trends tools to help you budget, check your spending insights and see your predicted balance forecast for the month. You'll also be able to use the app to view all your accounts via Open Banking.

Cards

View and manage your credit and debit cards, apply for related products, and receive relevant offers.

Insurance

View various insurance products and access educational articles on the importance of insurance.

Explore products

Browse, compare and apply for products, and get tailored product recommendations and offers.

Investments

Open one of our ready-made portfolios, or research, buy and manage 100s of funds, track your investments' performance and find further options - capital at risk.

Security and fraud

Strengthen your online security - see all the security and fraud prevention features in one easy-to-find place.

[H2]
Frequently asked questions

[H3] What should I do if I'm locked out of digital banking?

This depends on which security details you need help with.
Go to our online Digital Banking Help Tool and select the most appropriate option.

[H3] What should I do if I've forgotten my password?

If you've forgotten your password:
Open the HSBC UK Mobile Banking app
Tap 'Forgotten your password?' from the log on screen
Create a new password, then confirm it, tap 'Continue' and follow the on-screen instructions
You can also see these instructions on our online Digital Banking Help Tool

[H3] What should I do if my mobile device is lost or stolen?

If you have another mobile device with the app on it, use this to remove your lost or stolen device to help prevent fraudulent access to your accounts.
Log on to the HSBC UK Mobile Banking app with your other device
Tap the 'Menu' icon
Select the 'Profile' icon
Tap 'Security and generate security code', then 'Manage devices'
Select and then remove the device that has been lost or stolen
If you're unable to do this or you don't have another device, call us immediately on 03457 404 404.
Or textphone on 03457 125 563 (in the UK), or +44 207 088 2077 (outside the UK).
You may be responsible for unauthorised payments made from your accounts if you haven't kept your device and your security details safe.

[H3] How do I set up the app on another device?

You can set up the HSBC UK app on up to 3 devices.
To set up on a new device:
Download the HSBC UK Mobile Banking app from the App Store or Google Play on to your new device
Follow the on-screen instructions to set up a Mobile Banking PIN
If you're no longer using your old device, you can remove it to help prevent fraudulent access to your accounts.
To remove an old device:
Log on to the HSBC UK Mobile Banking app
Tap the 'Menu' icon in the top right corner
Select the 'Profile' icon
Tap 'Security and generate security code', then 'Manage devices'
Select and then remove the old device you’re no longer using
If you need further help, visit our digital banking help tool.

[H3] What devices can I use the HSBC UK Mobile Banking app on?

Our mobile banking app is available on iPhones and iPads running iOS 15 or higher. On Android devices, the app is available on Android 9.0, but you need to be using Android 10.0 or higher to use our latest features.
If you can’t use the mobile app, you can ask for a physical Secure Key so you can access online banking. You can do this by calling 03456 002 290 or by visiting your local branch. Please allow up to 10 working days for delivery.

Find more support on our help page

[H2]
Security is our priority

We're constantly innovating to protect you and your money. Our app has a number of safety features:

Confirm it's you when you visit a branch or speak to us on the phone by logging on to the HSBC UK Mobile Banking app. You can also use the app to confirm you're really talking to us when you ring us.

Get an extra layer of security when you log on using fingerprint and face recognition - available on supported devices only

If your card is lost or stolen you can freeze it – and then unfreeze if you find it

Keep track of money going in and out of your account with transaction notifications

Provided you keep your security details safe, we'll refund any money taken from your account without your approval with our Digital Security Promise

[H2]

You might also be interested in

[H3]

Online banking

Online banking is quick, convenient and secure. Log on to access your accounts whenever you want, wherever you are.

[H3]

Telephone banking

Keep on top of your money by phone.

[H3]

Banking at home

Do your banking from home.

[H3]

Open Banking

A way to share account information and make payments online.

[H2] Disclaimer

Apple and the Apple Logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. iOS is a trademark of Cisco and used by Apple under licence.
Android, Google Play and the Google Play logo are trademarks of Google LLC. This webpage is not endorsed by or affiliated with Google in any way.

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