HSBC UK

HSBC UK, personal banking for UK customers

HSBC UK is the division of the HSBC group that serves the UK market. Its activity focuses on personal banking and financial products for individuals, self-employed people and small businesses, with an offering that ranges from day-to-day banking to long-term planning. The website is organised around accounts, loans, mortgages, investments and insurance, and also includes international services for those who operate abroad.

Current and savings accounts

The bank offers several types of current account: the Premier Account, the Bank Account, the Student Account, the Children's Account, the Private Banking Account and business accounts. In savings there are products such as the Fixed Rate Cash ISA, the Online Bonus Saver, Fixed Rate Savings Accounts, the Regular Savings Account, the Loyalty Cash ISA, the Fixed Rate Savings Account, the children's savings account and easy access savings accounts. The site allows you to compare the different savings accounts.

Financing: loans, cards and mortgages

In the loans section, the Personal Loan, the Premier Loan, the Car Loan, the Home Improvement Loan, the option to top up an existing loan, the Debt Consolidation Loan and HSBC Flexipay are offered. The card range includes balance transfer, purchase, rewards, credit building and Premier cards, as well as an eligibility checker. In mortgages, the website covers finding a mortgage deal, switching your mortgage rate, remortgaging to HSBC, products for first-time buyers, a decision in principle, mortgage calculators and managing existing mortgages, with reference to the Mortgage Charter.

Investing, retirement and wealth planning

The investing section covers Stocks & shares ISA, investing in funds, an investment calculator, ready-made portfolios, investing in shares and materials for those who are new to investing. It is complemented by financial advice, Premier investment management and protection advice. In the retirement area, there is the retirement calculator, investing for retirement, wealth planning, Wealth Insights, Future Planner, investment goals, a children's education calculator and a financial action plan. For customers who already invest, Global Investment Centre, Child Trust Fund, InvestDirect, Onshore Investment Bond, managing personal pensions and the Flexible Retirement Account are mentioned.

Insurance and financial wellbeing

The insurance offering is divided between property and family protection (Home Insurance, Contents Insurance, Travel Insurance and Small Business Insurance) and life insurance (Life Cover, Critical Illness Cover and protection advice). The website also details home, life, travel, Aspects and Premier Travel claims. In financial wellbeing, tools and webinars on financial health, everyday budgeting, managing debt, growing your money, staying safe and secure, learning about money and support at life events such as bereavement, separation, losing your job, power of attorney and mental health are included.

International services and digital banking

HSBC UK offers international services such as opening accounts in the UK and outside it, Global Money Account, international payments, Travel Money, using your card outside the UK and Currency Account. Digital banking includes registering for digital banking, mobile banking, online banking, mobile cheque deposit and mobile money management. The bank publishes information on security, fraud, Secure Key, online ID verification and its Digital Security Promise, as well as a branch and cash access locator.

Premier offering and business banking

The HSBC Premier account is presented as the bank's premium product, with wealth, health and travel benefits, subject to eligibility criteria and terms and conditions. The site announces a £500 welcome bonus for new customers who switch to HSBC Premier, along with a Premier World Elite Mastercard and cashback equivalent to the first annual fee, with a representative APR of 100.2%. The card's cashback offer is indicated as running from 27 July 2026 to 28 September 2026, and the welcome bonus can be withdrawn at any time. For small businesses, there is the HSBC Small Business Banking Account, with no monthly account fee and free UK digital banking.