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Managing debt

Guides to help reduce debts and start saving so you can take control of your finances

Setting a path ahead


Smallest debt first or the most expensive? See what to consider.


Ways to reduce the amount you owe without dramatically changing your spending.


Lists the actions you can take to improve your credit score.

Making decisions about borrowing


Look at when you may want to focus on debts and when it could be worth prioritising your savings.


See the benefits and considerations of both, as well as when each may suit.

Getting back on top of things


Reaching out to the right people at the right time can help you get back on track.

Managing your money

Manage your HSBC UK accounts easily and securely at any time on compatible devices.

See what you can do through online and mobile banking without leaving home.

Additional information

Seeking help

If you’re an HSBC customer and you’ve missed a payment or are worried about missing one in the future, call our team of specialists on 0345 850 0622 to get a helping hand.

Lines are open:

08:00-21:00, Monday to Thursday

08:00-18:00 on Fridays

08:30-16:00 on Saturdays

Please note, lines will not be open on Christmas Day, Boxing Day and New Year's Day.

Further guidance

There are a number of independent organisations who can provide help and give general advice about managing money.

You can find out about free independent money advisers in your area from:


The following helpline services can offer help and advice:

It’s easy to get in touch online. Talk to us directly through our chat channels.