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Everyday current accounts

Compare our best current accounts for everyday spending

Overdraft support: You can apply for temporary arranged overdraft support on your account(s) for 3 months if you’re experiencing financial difficulty, or reasonably expect to. You have until 31 October 2020 to apply for this support.

 

You can use our coronavirus overdraft calculator to work out how much an arranged overdraft could cost you with this support in place.

 

These temporary measures do not change the terms and conditions of our overdrafts, or current accounts. New customers with eligible accounts can also benefit from these support measures.

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.

Our best current accounts for everyday banking

Accounts / additional information Bank Account

Advance Bank Account

Premier Bank Account
Switch offer
 

Receive £125 when you open an HSBC Advance Account as a new customer. Then, use the Current Account Switch Service within 30 days to complete a full switch with at least 2 Direct Debits or standing orders. T&Cs apply

Receive £125 when you open an HSBC Premier Account as a new customer. Then, use the Current Account Switch Service within 30 days to complete a full switch with at least 2 Direct Debits or standing orders. T&Cs apply

Arranged overdrafts, subject to status
(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. How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.
(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. How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.
(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. How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.
Additional benefits
  • £300 daily ATM cash withdrawals
  • 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)
  • 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 Find out more.

Financial eligibility criteria and T&Cs apply Find out more.

Financial eligibility criteria and T&C's apply Find out more.

Our best current accounts for everyday banking

Accounts / additional information Switch offer
Bank Account
 

Advance Bank Account

Receive £125 when you open an HSBC Advance Account as a new customer. Then, use the Current Account Switch Service within 30 days to complete a full switch with at least 2 Direct Debits or standing orders. T&Cs apply

Premier Bank Account

Receive £125 when you open an HSBC Premier Account as a new customer. Then, use the Current Account Switch Service within 30 days to complete a full switch with at least 2 Direct Debits or standing orders. T&Cs apply

Accounts / additional information Arranged overdrafts, subject to status
Bank Account (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. How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.

Advance Bank Account

(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. How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.
Premier Bank Account (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. How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.
Accounts / additional information Additional benefits
Bank Account
  • £300 daily ATM cash withdrawals

Advance Bank Account

  • 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
  • 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
Accounts / additional information  
Bank Account

Financial eligibility criteria and T&Cs apply Find out more.

Advance Bank Account

Financial eligibility criteria and T&Cs apply Find out more.

Premier Bank Account Financial eligibility criteria and T&C's apply 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

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