Find your ideal everyday bank account

Easily manage your everyday spending, whatever your needs, with one of our current accounts. You’ll also be able to take advantage of all the rewards and benefits you get as an HSBC customer.

Why get an everyday current account with HSBC?

  • Hassle-free switching
  • No monthly account fee
  • VISA debit card with contactless payments, subject to status
  • Manage your money anytime with Online Banking and our Mobile Banking app
  • Pay securely with your phone (Apple Pay, Samsung Pay, Google Pay, Pay by Bank app)

Check if you’re eligible

Find out if you’re likely to get an arranged overdraft with a current account, without affecting your credit score.

Using this tool won't affect your current arranged overdraft if you already have one with us.

We currently offer many of you an interest-free overdraft buffer of £25. To help with the impact of coronavirus (COVID-19) on your finances, from 26 March 2020 until further notice, we won't charge interest on the first £300 of overdraft borrowing for Bank Account, Bank Account Pay Monthly, Current Account and Advance Bank Account. This is a temporary measure and not a change to contractual terms, which remain the same. We’ll keep this under review and we’ll update customers before we make any changes to the interest waiver.

If you have an account with a negotiated rate (where we have separately agreed a non-standard rate for your overdraft), this will not apply to you. For more details, see our Frequently Asked Questions.

Our best current accounts for everyday banking

Bank Account

Advance Bank Account

Premier Bank Account

 

  • Arranged Overdrafts, subject to status
  • Representative example: (assumed arranged overdraft £1,200): 0% EAR1 (variable) on the first £25, 39.9% EAR (variable) thereafter, giving a representative rate of 38.9% APR2 (variable)
  • Visa offers
  • £300 daily ATM cash withdrawals
  • Preferential overdraft interest rate, subject to status
  • Representative example: (assumed arranged overdraft £1,200): 0% EAR (variable) on the first £25, 39.9% EAR (variable) thereafter, giving a representative rate of 38.9% APR (variable)
  • Discounts and offers through Advance Members
  • Worldwide support services
  • £500 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Preferential overdraft interest rate, subject to status
  • Representative example: (assumed arranged overdraft £1,200): 0% EAR (variable) on the first £500, 39.9% EAR (variable) thereafter, giving a representative rate of 21.8% APR (variable)
  • Exclusive family benefits
  • Worldwide support services
  • £1,000 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Premier Relationship Management Service
  • Complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Financial eligibility criteria and T&Cs apply
Financial eligibility criteria and T&Cs apply
Financial eligibility criteria and T&Cs apply

Find out more 

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Find out more

Our best current accounts for everyday banking

Bank Account
  • Arranged Overdrafts, subject to status
  • Representative example: (assumed arranged overdraft £1,200): 0% EAR1 (variable) on the first £25, 39.9% EAR (variable) thereafter, giving a representative rate of 38.9% APR2 (variable)
  • Visa offers
  • £300 daily ATM cash withdrawals

Advance Bank Account

  • Preferential overdraft interest rate, subject to status
  • Representative example: (assumed arranged overdraft £1,200): 0% EAR (variable) on the first £25, 39.9% EAR (variable) thereafter, giving a representative rate of 38.9% APR (variable)
  • Discounts and offers through Advance Members
  • Worldwide support services
  • £500 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
Premier Bank Account

 

  • Preferential overdraft interest rate, subject to status
  • Representative example: (assumed arranged overdraft £1,200): 0% EAR (variable) on the first £500, 39.9% EAR (variable) thereafter, giving a representative rate of 21.8% APR (variable)
  • Exclusive family benefits
  • Worldwide support services
  • £1,000 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Premier Relationship Management Service
  • Complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Bank Account Financial eligibility criteria and T&Cs apply

Advance Bank Account

Financial eligibility criteria and T&Cs apply
Premier Bank Account

 

Financial eligibility criteria and T&Cs apply
Bank Account

Find out more 

Advance Bank Account

Find out more

Premier Bank Account

 

Find out more

1. EAR (Effective Annual Rate) takes account of the interest rate, the compounding of interest and how often interest is charged. It doesn’t include any other fees or charges. Back to our current accounts

2. APR (Annual Percentage Rate) 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 that may have to be paid and any interest-free amount. Back to our current accounts