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HSBC Financial Products

Compare a range of financial products and services available from HSBC. Read our section reviews, find a product that's right for you and apply online.

HSBC is one of the biggest financial service providers in the world and markets itself as the world's local bank, with international operations working in around 9,500 offices across 85 counties spanning the globe.
HSBC's Headquarters are located in London. It is listed on the London, Paris, New York, Hong Kong and Bermuda stock exchanges.

HSBC provides a broad range of financial services in the UK which include HSBC current accounts, savings accounts, investments, credit cards, loans, mortgages and insurance.

The HSBC Group has an unique history, with many of its main companies starting out over a century ago. The HSBC Group is named after The Hongkong and Shanghai Banking Corporation Limited - established in 1865 to finance the expanding trade between China and Europe. It became known in the UK in 1992 after it bought Midland Bank which was re-branded as HSBC in 1999.
HSBC Credit Cards provide customers with some great features and benefits which include competitive APR variable rates, 0% introductory periods on purchases and balance transfers, up to 56 interest free days, and a free additional card for a family member or partner, giving you a great credit solution that is flexible and conventient to use.

All HSBC Credit Cards also come with an online bank account that can be accessed over the internet, giving you the convenience to manage your account 24 hours a day, 7 days a week. If you prefer a different service you can use Citi's phone banking service, or visit a Citibank branch.
HSBC offers an award winning business credit card, designed to benefit your business with up to 10 free cards, each with a minimum credit limit of £500, and a maximum negotiated by yourself and HSBC.

The payment options that come with an HSBC Business credit card are flexibility, allowing you to choose between full or partial repayment.

You can benefit from interest free to statement date for new transactions including cash withdrawals of up to £500 per cardholder per day.

Your HSBC business credit card will be accepted worldwide wherever you see the Visa symbol.

You can manage your account and monitor transactions via your Business Internet Banking service.
HSBC operates 'Zero fraud liability' which means your business is liable for any online transactions undertaken without your authority.

You can also benefit from discounted car and commercial van hire through Hertz, access to a professional business travel service through BTI Hogg Robinson, and free membership to Global Calling Card Service through World Telecom.
HSBC offer a range of current accounts designed to help you manage your money. If you plan to deposit £500 or more per month you will be entitled to the HSBC current account advance options which include:
  • 24 hour access to online Banking as well as Branch and Telephone Banking
  • Overdraft facility
  • HSBC Bank Card
  • Cashback facility – available at many outlets such as supermarkets and petrol stations
  • Monthly statements – or choose to go green and save on paper by accessing transactions online, so aswell as doing your bit to reduce your carbon foot-print you can also get entered into a prize draw giving you the chance to win a laptop computer.
  • Identity Theft Assistance with one free online credit report per year
HSBC Savings accounts cover a vast range of features and benefits, designed to meet a wide variety of saving needs. This is why you will always find an HSBC savings accounts that matches your needs.

Whether you're looking to open an instant access savings account to make regular monthly deposits, or you have a lump sum to invest and are happy to limit withdrawals to benefit from bonuses, HSBS has several great accounts paying high rates of interest to help you to reach your saving goals.

As well as a range of regular savings accounts, HSBC also provide specialist savings accounts designed for children aged between 7 and 17 years, offering an excellent place to start saving pocket money.

HSBC is a member of the Financial Services Compensation Scheme, offering free protection on up to £85,000 per individual. This provides savers with peace of mind, especially after the financial turmoil seen during 2008/09.

As an incentive to encourage people to save, the government agreed to give every individual in the UK the potential to benefit from tax free savings. Each saver is limited to £11,280 per tax year, so this is the first avenue you should explore when considering a place to start your savings off.

HSBC Cash ISAs come with some great features to benefit your individual needs. You can begin saving with as little as £1 and up to £5,640 each tax year, earning interest rates depending on balances that works in a tiered structure.

Whether you want to deposit the full £5,640 as a lump sum at the beginning of the tax year to get the most benefit, or you would find it more affordable to make regular deposits, HSBC ISA's have an account to match.

With an HSBC ISA you can access your account online, over the phone or in branch.

HSBC Fixed Rate Bonds give savers an excellent alternative to regular savings accounts. Through fixing the term and the interest rate, you are able to calculate exactly how much money you will earn at the end of the term. What's more, this return is guaranteed, providing you with a regular predictable income.

To open an HSBC fixed rate bond you must first decide on the period of time you want to lock your money away for, then make a lump sum deposit between £2,000 and £49,999. That's it! Now you can sit back and watch your money grow.
HSBC Business Current Accounts are designed to suit all types of  businesses, big or small, helping you to find a suitable account to handle your day-to-day business finances with ease.

With an HSBC business current account you will have Access HSBC's network of over to over 1,500 branches offering full counter service. You will also be eligible to seek advice from business specialists in branch, there to provide you with business help and guidance.

HSBC gives you the freedom to manage your business finances on the internet, by telephone, by text message banking or in branch. You will also receive regular paper statements sent monthly, or you may wish to reduce this to save papHSBC gives you the freedom to manage you business financeer.

With an HSBC Business Bank Account you will have exclusive access to a comprehensive range of complementary business products such as savings, business insurance, loans, overdrafts, card processing and commercial mortgages.
HSBC Business Savings Accounts not only provide a great place to save your surplus funds, but thanks to its global knowledge and experience, HSBC can offer help and advice, driving your business forward.

Whether you're looking for an instant access savings accounts with no fees or penalties, offering the flexibility to make unlimited deposits and withdrawals, or you would rather opt for a fixed rate account offering higher rates but without access during the term, HSBC business savings accounts have a perfect match for your business.

Interest is calculated daily based on cleared funds, and paid either monthly or quarterly, with higher rates paid for larger balances. If you leave your business savings untouched for a month or more, all of your funds will automatically move up a tier to the next interest band. Do the same for 2 months and your balance will be subject to the next higher tier, earning you even more interest.

It takes less than 2 minutes to apply for an HSBC Business Account if you are an existing customer and once opened, you can manage your account via the internet, telephone and branch.
HSBC will try their hardest to tailor your loan to me meet your needs.

No matter how much you intend to take out, between £7000 and £25,000, you will be able to do what you want with the money. Whether it's for a car purchase or home improvements.

Their online loans application process is easy to use, fast and secure with the average application taking only a matter of minutes to complete with a decision made instantly. What's more, they will put the money in your account straight away, no matter what time of night or day it is.

As HSBC loans are only available to existing HSBC customers, you know that they will give you the customer service that you are used to when you take out your loan.

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HSBC have over 200 years experience of providing cover for people and their valuables, so they know that offering you car insurance involves more than just giving you the cheapest quote. HSBC observe rigourous standards of service, which means that they aim to use only the best underwriters available. These insurers are subject to financial scrutiny before they can become a part of the leading panel of insurers that HSBC use to find the right, deal for you.

HSBC aim to provide you with the very best cover, at a competitive rate, with a no claims discount as standard. All of this from the world's local bank, meaning you get fantastic cover with an excellent standard of service.