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Managing debt

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

A series of guides to help you tackle your debts and take control of your finances.

Understand borrowing


A debt consolidation loan can help you bring your debts together and create a simple repayment plan.


See how to use a balance transfer credit card in a cost-effective way.


Find out more about APR, how it’s calculated and why it matters.

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.

Watch now: Managing your debt

See 5 tips to help you take control of any existing debts and potentially repay them faster.

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.


The answer's not always black and white.

Getting back on top of things


Some steps you can take to help you get back on track.


There are plenty of ways to get help if you’re worried about debt.


Helping you work out which tools might be best for you.

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.