Overdraft Calculator | Overdraft Charges

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<a href="/current-accounts/products/overdrafts/" aria-label="Overdrafts" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdrafts "> Overdrafts </a> </li> <li> <a href="/current-accounts/products/overdraft-calculator/" aria-label="Overdraft calculator" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdraft calculator"> Overdraft calculator </a> </li> <li> <a href="/current-accounts/products/overdraft-calculator/repayment/" aria-label="Overdraft repayment calculator" data-event-component="text link" data-event-name="overdraft repayment calculator: Online banking"> Overdraft repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-1" class="header-mobile-doormat-1 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-borrowing hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Borrowing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Premier Travel support"> Premier Travel support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/" aria-label="Aspects Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Aspects Insurance support"> Aspects Insurance support </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-4" class="header-mobile-doormat-4 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-health hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Wellbeing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Financial health & support</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-4"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/financial-fitness/" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness" class="doormat-heading-link"> <h2 class="doormat-heading">Financial fitness</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/fitness-score/" aria-label="Financial health tools & webinars" data-event-component="topnav" data-event-name="Financial fitness score tool"> Financial health tools & webinars </a> </li> <li> <a href="/financial-fitness/everyday-budgeting/" aria-label="Everyday budgeting" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness Everyday budgeting"> Everyday budgeting </a> </li> <li> <a href="/financial-fitness/managing-debt/" aria-label="Managing debt" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Managing debt"> Managing debt </a> </li> <li> <a href="/financial-fitness/growing-your-money/" aria-label="Growing your money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Growing your money"> Growing your money </a> </li> <li> <a href="/help/security-centre/" aria-label="Staying safe and secure" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Staying safe and secure"> Staying safe and secure </a> </li> <li> <a href="/financial-education/" aria-label="Learning about money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Learning about money"> Learning about money </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/new-beginnings/" data-event-component="topnav" data-event-name="Wellbeing: New Beginnings" class="doormat-heading-link"> <h2 class="doormat-heading">New beginnings</h2> </a> <ul class="doormat-links"> <li> <a href="/new-beginnings/expanding-your-family/" aria-label="Expanding your family" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Expanding your family"> Expanding your family </a> </li> <li> <a href="/new-beginnings/getting-married/" aria-label="Getting married" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Getting married"> Getting married </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/" aria-label="Planning for retirement" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Planning for retirement"> Planning for retirement </a> </li> <li> <a href="/mortgages/first-time-buyers/" aria-label="Buying your first home" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Buying your first home"> Buying your first home </a> </li> <li> <a href="/international/moving-abroad/" aria-label="Moving abroad" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Moving abroad"> Moving abroad </a> </li> <li> <a href="/students/" aria-label="Going to uni" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Going to uni"> Going to uni </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/life-events/" data-event-component="topnav" data-event-name="Wellbeing: Life events" class="doormat-heading-link"> <h2 class="doormat-heading">Life events</h2> </a> <ul class="doormat-links"> <li> <a href="/help/life-events/bereavement/" aria-label="Bereavement support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Bereavement support"> Bereavement support </a> </li> <li> <a href="/help/life-events/assisting-someone-with-their-money/" aria-label="Assisting someone with their money" data-event-component="topnav" data-event-name="Wellbeing: Life events: Assisting someone with their money"> Assisting someone with their money </a> </li> <li> <a href="/help/life-events/separation/" aria-label="Separation" data-event-component="topnav" data-event-name="Wellbeing: Life events: Separation "> Separation </a> </li> <li> <a href="/help/life-events/unexpected-change/redundancy/" aria-label="Losing your job" data-event-component="topnav" data-event-name="Wellbeing: Life events: Losing your job"> Losing your job </a> </li> <li> <a href="/help/life-events/poa/" aria-label="Power of Attorney" data-event-component="topnav" data-event-name="Wellbeing: Life events: Power of attorney"> Power of Attorney </a> </li> <li> <a href="/accessibility/mental-health-and-support/" aria-label="Mental health and support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Mental health and support"> Mental health and support </a> </li> <li> <a href="/accessibility/tell-us-your-needs/" aria-label="Tell us your support needs" data-event-component="topnav" data-event-name="Wellbeing: Life events: Tell us your support needs"> Tell us your support needs </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a href="/help/money-worries/" data-event-component="topnav" data-event-name="Wellbeing: Money worries" class="doormat-heading-link"> <h2 class="doormat-heading">Money worries</h2> </a> <ul class="doormat-links"> <li> <a href="/help/money-worries/how-we-can-help/" aria-label="How we can help" data-event-component="topnav" data-event-name="Wellbeing: Money worries: How we can help"> How we can help </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/help/money-worries/financial-abuse/" aria-label="Financial and domestic abuse" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Financial and domestic abuse"> Financial and domestic abuse </a> </li> <li> <a href="/help/money-worries/managing-your-finances/" aria-label="Managing your finances" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Managing your finances"> Managing your finances </a> </li> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Coronavirus support"> Rising cost of living </a> </li> <li> <a href="/help/card-support/gambling-restrictions/" aria-label="Support for gambling" data-event-component="topnav" data-event-name="Wellbeing: Card support: Support for gambling"> Support for gambling </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-5" class="header-mobile-doormat-5 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-help hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Help</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Service & security</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-5"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/banking-made-easy/" data-event-component="topnav" data-event-name="Help: Managing your account" class="doormat-heading-link"> <h2 class="doormat-heading">Managing your account</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living"> Rising cost of living </a> </li> <li> <a href="/ways-to-bank/" aria-label="Ways to bank" data-event-component="topnav" data-event-name="Help: Managing your account: Ways to bank"> Ways to bank </a> </li> <li> <a href="/help/card-support/" aria-label="Card support" data-event-component="topnav" data-event-name="Help: Managing your account: Card support"> Card support </a> </li> <li> <a href="/help/banking-made-easy/how-to-set-up-a-direct-debit/" aria-label="Set up or cancel a Direct Debit" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a direct debit"> Set up or cancel a Direct Debit </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/" aria-label="Set up or cancel a standing order" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a standing order"> Set up or cancel a standing order </a> </li> <li> <a href="/help/card-support/dispute-transaction/" aria-label="Query a transaction" data-event-component="topnav" data-event-name="Help: Managing your account: Query a transaction"> Query a transaction </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/security-centre/" data-event-component="topnav" data-event-name="Help: Fraud and security" class="doormat-heading-link"> <h2 class="doormat-heading">Fraud and security</h2> </a> <ul class="doormat-links"> <li> <a href="/help/security-centre/fraud-guide/" aria-label="Fraud guide" data-event-component="topnav" data-event-name="Help: Fraud and security: Fraud guide"> Fraud guide </a> </li> <li> <a href="/help/security-centre/received-a-text/" aria-label="Received a text?" data-event-component="topnav" data-event-name="Help: Fraud and security: Received a text"> Received a text? </a> </li> <li> <a href="/help/security-centre/hsbc-safeguard/" aria-label="HSBC Safeguard" data-event-component="topnav" data-event-name="Help: Fraud and security: HSBC Safeguard"> HSBC Safeguard </a> </li> <li> <a href="/help/security-centre/secure-key/" aria-label="Secure Key" data-event-component="topnav" data-event-name="Help: Fraud and security: Secure Key"> Secure Key </a> </li> <li> <a 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banking </a> </li> <li> <a href="/ways-to-bank/mobile/" aria-label="Mobile banking" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile banking"> Mobile banking </a> </li> <li> <a href="/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Help: Digital banking: Online banking"> Online banking </a> </li> <li> <a href="/current-accounts/banking-at-home/" aria-label="Banking at home" data-event-component="topnav" data-event-name="Help: Digital banking: Banking at home"> Banking at home </a> </li> <li> <a href="/ways-to-bank/mobile/cheque-deposit/" aria-label="Mobile cheque deposit" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile cheque deposit"> Mobile cheque deposit </a> </li> <li> <a href="/help/security-centre/lost-your-details/" aria-label="Reset your log on details" data-event-component="topnav" data-event-name="Help: Digital banking: Reset your online banking details"> Reset your log on details </a> </li> <li> <a href="/ways-to-bank/mobile/money-management/" aria-label="Mobile money management" data-event-component="topnav" data-event-name="Help: Digital banking: Plan ahead"> Mobile money management </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a href="/help/" data-event-component="topnav" data-event-name="Help: Help" class="doormat-heading-link"> <h2 class="doormat-heading">Help</h2> </a> <ul class="doormat-links"> <li> <a href="/help/" aria-label="Customer support" data-event-component="topnav" data-event-name="Help: Help: Customer support"> Customer support </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Help: Help: Making payments"> Money worries </a> </li> <li> <a href="/help/feedback-and-complaints/" aria-label="Feedback and complaints" data-event-component="topnav" data-event-name="Help: Help: Feedback and complaints"> Feedback and complaints </a> </li> <li> <a href="/help/digital-banking-help-tool/" aria-label="Digital banking help tool" data-event-component="topnav" data-event-name="Help: Help: Digital banking help tool"> Digital banking help tool </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Bank of England base rate" data-event-component="topnav" data-event-name="Help: Help: Bank of England base rate"> Bank of England base rate </a> </li> <li> <a href="/help/banking-made-easy/making-payments/" aria-label="Making payments" data-event-component="topnav" data-event-name="Help: Help: Making payments"> Making payments </a> </li> <li> <a href="/accessibility/" aria-label="Accessibility and disability" data-event-component="topnav" data-event-name="Help: Help: Accessibility and disability"> Accessibility and disability </a> </li> <li> <a href="/sustainability/" aria-label="Sustainability" data-event-component="topnav" data-event-name="Help: Help: Sustainability"> Sustainability </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> </ul> </nav> </div> </div> </div> <div class="header-mobile"> <div class="header-mobile-top hide-on-desktop"> <button class="header-sidebar-trigger" aria-label="Open menu" data-aria-label-open-menu="Open menu" data-aria-label-close-menu="Close menu"> <span class="icon icon-menu" aria-hidden="true"></span> <span class="header-sidebar-trigger-text">Menu</span> </button> <nav id="sidebar" class="header-mobile-sidebar hide-on-desktop"> <div class="header-mobile-sidebar-content"> <div class="close-submenu-trigger" role="button" tabindex="0" aria-label="Close Submenu"> <span class="icon icon-chevron-left" aria-hidden="true"></span> </div> <ul class="header-mobile-doormat" role="menubar"> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-0" class="header-mobile-doormat-0 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-banking hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Banking</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Accounts & services</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-0"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/current-accounts/" data-event-component="topnav" data-event-name="Banking: Current accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Current accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/premier/" aria-label="Premier Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Premier Account"> Premier Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/bank-account/" aria-label="Bank Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Bank Account"> Bank Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/advance/" aria-label="Advance Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Advance Account"> Advance Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/student/" aria-label="Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Student Account"> Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/international-student/" aria-label="International Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: International student account"> International Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/children/" aria-label="Children's Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Childrens Account"> Children's Account </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/business-accounts" aria-label="Business accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: Business accounts"> Business accounts </a> </li> <li> <a href="/current-accounts/products/jade/private-bank/" aria-label="Private Banking Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Private Banking Account"> Private Banking Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/" aria-label="See all current accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: See all current accounts"> See all current accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/savings/" data-event-component="topnav" data-event-name="Banking: Savings accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Savings accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/savings/products/fixed-rate-isa/" aria-label="Fixed Rate Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings:Fixed Rate Cash ISA"> Fixed Rate Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/online-bonus-saver/" aria-label=" Online Bonus Saver" data-event-component="topnav" data-event-name="Banking: Savings: Online Bonus Saver"> Online Bonus Saver </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/regular-saver/" aria-label="Regular Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Regular Savings Account"> Regular Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/cash-isa/" aria-label="Loyalty Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings: Loyalty Cash ISA"> Loyalty Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/fixed-rate/" aria-label="Fixed Rate Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Fixed Rate Savings Account"> Fixed Rate Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/mysavings/" aria-label="Children’s Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Children’s Savings Account"> Children’s Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/easy-access-accounts/" aria-label="Easy access savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: easy access savings accounts"> Easy access savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/compare/" aria-label="Compare savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: Compare savings accounts"> Compare savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/" aria-label="See all savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: See all savings accounts"> See all savings accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/international/" data-event-component="topnav" data-event-name="Banking: International services" class="doormat-heading-link"> <h2 class="doormat-heading">International services</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/global-money/" aria-label="Global Money Account" data-event-component="topnav" data-event-name="Global Money Account"> Global Money Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/using-your-card-abroad/" aria-label="Using your card outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: Using your card outside the UK"> Using your card outside the UK </a> </li> <li> <a href="https://www.hsbc.co.uk/international/travel-money/" aria-label="Travel Money" data-event-component="topnav" data-event-name="Banking: International Services: Travel Money"> Travel Money </a> </li> <li> <a href="https://www.hsbc.co.uk/international/money-transfer/" aria-label="International payments" data-event-component="topnav" data-event-name="Banking: International Services: International payments"> International payments </a> </li> <li> <a href="https://www.hsbc.co.uk/international/currency-account/" aria-label="Currency Account" data-event-component="topnav" data-event-name="Banking: International Services: Currency Account"> Currency Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/overseas-account-opening/" aria-label="Opening an account outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: International Bank Account"> Opening an account outside the UK </a> </li> <li> <a href="/international/apply-for-a-uk-account/" aria-label="Open a UK account" data-event-component="topnav" data-event-name="Banking: International Services: Open a UK account"> Open a UK account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/" aria-label="See all international services" data-event-component="topnav" data-event-name="Banking: International Services: See all international services"> See all international services </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already banking with us?</h2> <ul class="doormat-links"> <li> <a href="/current-accounts/existing-customers/" aria-label="Existing customers" data-event-component="topnav" data-event-name="Banking: Already banking with us: Existing customers"> Existing customers </a> </li> <li> <a href="/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Money worries </a> </li> <li> <a href="/help/banking-made-easy/%20/" aria-label="Manage your account" data-event-component="topnav" data-event-name="Banking: Already banking with us: Manage your account"> Manage your account </a> </li> <li> <a href="/ways-to-bank/mobile/" aria-label="Mobile banking " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Mobile banking </a> </li> <li> <a href="/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Banking: Already banking with us: Online banking"> Online banking </a> </li> <li> <a href="/current-accounts/products/overdrafts/" aria-label="Overdrafts" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdrafts "> Overdrafts </a> </li> <li> <a href="/current-accounts/products/overdraft-calculator/" aria-label="Overdraft calculator" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdraft calculator"> Overdraft calculator </a> </li> <li> <a href="/current-accounts/products/overdraft-calculator/repayment/" aria-label="Overdraft repayment calculator" data-event-component="text link" data-event-name="overdraft repayment calculator: Online banking"> Overdraft repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-1" class="header-mobile-doormat-1 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-borrowing hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Borrowing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Premier Travel support"> Premier Travel support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/" aria-label="Aspects Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Aspects Insurance support"> Aspects Insurance support </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-4" class="header-mobile-doormat-4 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-health hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Wellbeing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Financial health & support</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-4"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/financial-fitness/" 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aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Service & security</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-5"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/banking-made-easy/" data-event-component="topnav" data-event-name="Help: Managing your account" class="doormat-heading-link"> <h2 class="doormat-heading">Managing your account</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living"> Rising cost of living </a> </li> <li> <a href="/ways-to-bank/" aria-label="Ways to bank" data-event-component="topnav" data-event-name="Help: Managing your account: Ways to bank"> Ways to bank </a> </li> <li> <a href="/help/card-support/" aria-label="Card support" data-event-component="topnav" data-event-name="Help: Managing your account: Card support"> Card support </a> </li> <li> <a href="/help/banking-made-easy/how-to-set-up-a-direct-debit/" aria-label="Set up or cancel a Direct Debit" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a direct debit"> Set up or cancel a Direct Debit </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/" aria-label="Set up or cancel a standing order" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a standing order"> Set up or cancel a standing order </a> </li> <li> <a href="/help/card-support/dispute-transaction/" aria-label="Query a transaction" data-event-component="topnav" data-event-name="Help: Managing your account: Query a transaction"> Query a transaction </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> 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data-event-component="topnav" data-event-name="Help: Help: Sustainability"> Sustainability </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-mobile-selected-item" tabindex="0" role="menuitem"> <span class="visuallyhidden">Language</span> <span class="icon icon-settings" aria-hidden="true"></span> English </li> </ul> <div class="sidebar-submenu-wrapper" data-source="sidebar-submenu-language"> <p class="sidebar-submenu-label">Language</p> <ul class="locale-management"> <li class="is-active"> <a class="sidebar-submenu-link" href="#" lang="en"> <span class="visuallyhidden">Selected</span> English <span class="icon icon-agree" aria-hidden="true"></span> </a> </li> </ul> </div> <div class="header-mobile-sidebar-footer header-dropdown"> <ul class="header-mobile-business-links"> <li> <a class="header-mobile-business-item register-button" href="/register/" data-event-component="topnav" data-event-name="Register"> Register <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </li> <li> <a class="header-mobile-business-item my-accounts-button hidden" href="https://www.hsbc.co.uk/online/dashboard/"> Back to my accounts <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </li> <li> <a class="header-mobile-business-item" href="http://www.business.hsbc.uk/"> Business <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </li> <li> <a class="header-mobile-business-item" href="http://www.business.hsbc.uk/corporate"> Corporate <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </li> </ul> </div> <div class="close-submenu-trigger hidden" role="button" tabindex="0" aria-label="Close Submenu"> <span class="icon icon-chevron-left" aria-hidden="true"></span> </div> <button class="visuallyhidden sidebar-hidden-close-button">Close menu</button> </div> </nav> <div class="header-mobile-overlay"></div> <div class="header-mobile-logo"> <a href="https://www.hsbc.co.uk/"> <img src="/content/dam/hsbc/gb/images/logos/hsbc-uk.svg" alt="HSBC UK"/> </a> </div> <div class="primary-button header-login-button header-dropdown"> <a class="selected-item login-button only-one-link" href="https://www.hsbc.co.uk/online/dashboard/" tabindex="0" role="button" data-event-component="topnav" data-event-name="Log on"> Log on </a> <a class="cpi-masthead-logoff__button-dpws logout-button hidden" href="#cpi" tabindex="0" role="button" data-event-component="topnav" data-event-name="Log off"> Log off </a> </div> </div> </div> </div> </div> </header> </div> <span id="top-of-content" class="top-of-content visuallyhidden" tabindex="-1">Top of main content</span> </div> <div class="row transparent-bg intro-section"> <div class="sm-12"> <div class="grid"> <div class="row"> <div class="sm-12"> <div class="O-HEROBANNOIMG-RW-DEV"> <div id="pp_intro_hero_no_image_1"> <h1 class="A-TYP48T-RW-ALL text-container text "> Overdraft calculator </h1> <div class="A-PAR16R-RW-ALL text-container text "> See how much it could cost you to use a personal overdraft facility on your account </div> <span class="A-DIVHL-RW-ALL"></span> </div> </div> </div> </div></div> </div> </div> <main class="grid O-SMARTSPCGENGRID"> <div class="row with-bg"> <div class="sm-12"> <div class="row"> <div class="lg-9 md-10 hide-on-mobile"> <div class="row hide-on-mobile "> <nav aria-label="You are here" class="O-BRDCRUM-RW-ALL sm-12"> <ol itemscope itemtype="http://schema.org/BreadcrumbList" class="breadcrumbs-list O-SMARTSPCGEN-DEV" role="list"> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_3" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">HSBC UK</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="1"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_4" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/current-accounts/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">Current accounts</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="2"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_5" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/current-accounts/products/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">Products</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="3"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <span class="A-TYP16B-RW-ALL" aria-current="page" aria-label="Calculator"> <span itemprop="name">Calculator</span> </span> <meta itemprop="position" content="4"/> </li> </ol> </nav> </div> </div> <div class="lg-3 md-2 sm-12"> </div> </div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_1" class="cc-column"> <div class="O-TITLE-RW-DEV O-SMARTSPCGEN-DEV"><div id="pp_tools_title_1"> <h2 class="A-BBST28R-RW-ALL"> Tell us about your overdraft needs </h2> <div class="row"> <div class="sm-12 organismsContainer"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_1" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can use our calculator to find out how much an overdraft through your HSBC current account could cost over a period of up to 31 days.</p> <p class="A-PAR16R-RW-ALL">An overdraft is a short-term credit facility for borrowing money on your current account. It can help in months where there are extra expenses and unplanned events. Overdrafts are not generally suitable for long-term borrowing. Use of an overdraft will normally result in you being charged interest.<br> </p> <p class="A-PAR16R-RW-ALL">Overdrafts are subject to status and aren't available if you're under 18 or hold an HSBC Basic Bank Account. The figures displayed are given as a guide only. They are based on assumptions rather than precise calculations.</p> <p class="A-PAR16R-RW-ALL">If you have any further queries, or need help understanding your overdraft, please visit our <a href="#faqs" title="FAQs Frequently asked questions ">FAQs</a> section.</p> </div></div> </div> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="calculatorCreator baseCalculator">  <div class="dpws-tools-calculator-creator dpws-tools-calculator" data-dpws-tool-config='{"general":{"currency":"GBP","trackingName":"overdraft calculator","inputOutputDataCaptureIsEnabled":"false"},"inputs":[{"isAdditionalOptionPreselected":"false","defaultValue":"2","dropdownValues":["1","2","4","5","6","7","8","9"],"controllerMap":"Controller_accounts","inputType":"dropdown","hintText":"Choose your account type in the dropdown","labelText":"Choose your account type","dropdownLabels":["Advance ","Bank Account","Student","Graduate Year 1","Graduate Year 2","Premier ","Premier (retained Jade benefits)","Private Banking Account"],"id":"A2"},{"increment":"10","defaultValue":"1500","unitType":"currency","minimumRate":"0","maximumRate":"50000","inputType":"slider","hintText":"Enter a value between {{min value}} and {{max value}}","validationWrongIncrementValue":"Please enter in increments of {{increment}}","labelText":"Arranged overdraft limit","bubbleType":"numeric","validationValueOutOfRange":"Enter a value between {{min value}} and {{max value}}","bubbleDecimalPlaces":"2","sliderLegend":"This is a {{slider label}} fieldset consisting of an input field and slider and changing the value in one field will update the value in the other.","id":"A3"},{"increment":"1","defaultValue":"1500","unitType":"currency","minimumRate":"0","maximumRate":"55000","inputType":"slider","hintText":"Enter a value between {{min value}} and {{max value}}","validationWrongIncrementValue":"Please enter in increments of {{increment}}","labelText":"Total amount overdrawn","bubbleType":"numeric","validationValueOutOfRange":"Enter a value between {{min value}} and {{max value}}","bubbleDecimalPlaces":"2","sliderLegend":"This is a {{slider label}} fieldset consisting of an input field and slider and changing the value in one field will update the value in the other.","id":"A4"},{"increment":"1","defaultValue":"1","unitType":"custom","minimumRate":"1","maximumRate":"31","inputType":"slider","hintText":"Enter a value between {{min value}} and {{max value}}","validationWrongIncrementValue":"Please enter in increments of {{increment}}","labelText":"Number of days overdrawn","bubbleType":"numeric","validationValueOutOfRange":"Enter a value between {{min value}} and {{max value}}","bubbleDecimalPlaces":"2","sliderLegend":"This is a {{slider label}} fieldset consisting of an input field and slider and changing the value in one field will update the value in the other.","minimumUnitLabel":"day","maximumUnitLabel":"days","id":"A5"},{"defaultValue":"25","inputType":"hidden","id":"A6"},{"defaultValue":"1","inputType":"hidden","id":"A7"},{"defaultValue":"1","inputType":"hidden","id":"A8"},{"defaultValue":"0","inputType":"hidden","id":"A9"},{"defaultValue":"20","inputType":"hidden","id":"A10"},{"defaultValue":"10","inputType":"hidden","id":"A11"}],"outputs":[{"outputType":"currency","decimalPlaces":"2","labelText":" Interest-free amount","id":"E2"},{"outputType":"percentage","decimalPlaces":"2","labelText":"Overdraft interest rate (EAR variable)","id":"E3"},{"outputType":"currency","decimalPlaces":"2","labelText":"Total arranged overdraft charges","id":"E4"},{"outputType":"currency","decimalPlaces":"2","labelText":"Total unarranged overdraft charges","id":"E5"},{"outputType":"currency","decimalPlaces":"2","labelText":"Total cost of overdraft","id":"E6"}],"intro":{"headingText":"Overdraft calculator","explanatoryText":"See how much it could cost if you go overdrawn on your HSBC current account. 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</script> <head><script defer="defer" src="/etc.clientlibs/dpws-tools/clientlibs/clientlib-public/resources/js/726.a25b48a3.js"></script><script defer="defer" src="/etc.clientlibs/dpws-tools/clientlibs/clientlib-public/resources/js/main.ccf39777.js"></script><link href="/etc.clientlibs/dpws-tools/clientlibs/clientlib-public/resources/css/main.b3fd54cb.css" rel="stylesheet"/></head><script type="text/javascript" src="/etc.clientlibs/dpws-tools/clientlibs/clientlib-public/resources/js/726.a25b48a3.js"></script><script type="text/javascript" src="/etc.clientlibs/dpws-tools/clientlibs/clientlib-public/resources/js/main.ccf39777.js"></script><script type="text/javascript">var link=document.createElement("link");link.href="/etc.clientlibs/dpws-tools/clientlibs/clientlib-public/resources/css/main.b3fd54cb.css",link.type="text/css",link.rel="stylesheet",document.getElementsByTagName("head")[0].appendChild(link)</script> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_2" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR22R-RW-ALL">Representative example: Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Bank Account, the rate is <strong>0% EAR (variable)</strong> on the first £25, <strong>39.9% EAR (variable)</strong> on anything above that, giving a representative rate of <strong>38.9% APR (variable)</strong>.</p> <p class="A-PAR22R-RW-ALL">How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_3"> <div class="cc cc-columns-50-50 "> <div id="pp_tools_columnControlColumn_5" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_1"> Calculator assumptions </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_3" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <ul class="A-LSTU-RW-ALL"> <li>the amount borrowed is drawn down in full at noon on the date of calculation</li> <li>you are overdrawn for a continuous period – you don’t dip in and out of your overdraft</li> <li>at the time you go into your overdraft the balance of your current account is £0</li> <li>no other credits and or debits will be made from the account during the borrowing period</li> <li>the outstanding balance will be repaid in full on the last day of the borrowing period</li> <li>the interest rate will remain the same during the whole borrowing period</li> </ul> </div></div> </div> <div id="pp_tools_columnControlColumn_6" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_2"> Glossary of terms </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_4" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <ul class="A-LSTU-RW-ALL"> <li><strong>overdraft interest rate</strong> - This is the interest rate that currently applies to borrowing under an overdraft. EAR stands for equivalent annual rate. It takes account of the interest rate and how often interest is charged, and does not include any other fees or charges<br> </li> <li><strong>how to find your overdraft limit</strong> – If you are an existing customer you can view your overdraft limit by logging on to online banking or the mobile app or on a recent statement</li> </ul> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div class="anchor" id="how-much-does-my-overdraft-cost-in-pounds-and-pence"></div> <div id="pp_tools_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_7" class="cc-column"> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM M-BSCTBL-RW-RBWM"><div data-accessibility-tick-icon-text="Yes" data-accessibility-cross-icon-text="No" id="pp_tools_basicTable_1" class="table-wrapper "> <table class="desktop"> <caption> <h2 class="A-BBST28R-RW-ALL text-container text "> How much does my overdraft cost in pounds and pence? </h2> <div class="A-PAR16R-RW-ALL text-container text "> Here are some examples of how much it would cost if you borrowed £500 of your agreed overdraft: </div> </caption> <thead><tr> <th scope="col">Account</th> <th scope="col">7 days</th> <th scope="col">30 days</th> <th scope="col">60 days</th> </tr></thead> <tbody><tr> <td class="cellPearl"><a href="/current-accounts/products/bank-account/">Bank Account</a><em></em></td> <td><strong>£3.10</strong></td> <td><strong>£13.29</strong></td> <td><strong>£26.59</strong></td> </tr> <tr> <td class="cellPearl"><a href="/current-accounts/products/advance/">Advance Bank Account</a></td> <td><strong>£3.10</strong></td> <td><strong>£13.29</strong><br></td> <td><strong>£26.59</strong></td> </tr> <tr> <td class="cellPearl"><a href="/current-accounts/products/graduate/">Graduate Bank Account</a></td> <td><strong>£0.00</strong></td> <td><strong>£0.00<br> </strong></td> <td><strong>£0.00</strong></td> </tr> <tr> <td class="cellPearl">Premier Account (retained Jade benefits)</td> <td><strong>£0.00</strong></td> <td><strong>£0.00<br> </strong></td> <td><strong>£0.00</strong></td> </tr> <tr> <th><span class="A-PAR14R-RW-ALL">Private Banking Account</span></th> <td><strong>£0.00</strong></td> <td><strong>£0.00<br> </strong></td> <td><strong>£0.00</strong></td> </tr> <tr> <td class="cellPearl"><a href="/current-accounts/products/premier/">HSBC Premier Bank Account</a><br></td> <td><strong>£0.00</strong></td> <td><strong>£0.00<br> </strong></td> <td><strong>£0.00</strong></td> </tr> <tr> <td class="cellPearl"><a href="/current-accounts/products/student/">Student Bank Account</a></td> <td><strong>£0.00</strong></td> <td><strong>£0.00<br> </strong></td> <td><strong>£0.00</strong></td> </tr></tbody> </table> </div> <table class="non-desktop "> <caption> <h2 class="A-BBST28R-RW-ALL text-container text "> How much does my overdraft cost in pounds and pence? </h2> <div class="A-PAR16R-RW-ALL text-container text "> Here are some examples of how much it would cost if you borrowed £500 of your agreed overdraft: </div> </caption> <tbody> <tr> <th scope="row">Account</th> <td class="cellPearl"> <a href="/current-accounts/products/bank-account/">Bank Account</a><em></em> </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£3.10</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£13.29</strong> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£26.59</strong> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account</th> <td class="cellPearl"> <a href="/current-accounts/products/advance/">Advance Bank Account</a> </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£3.10</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£13.29</strong><br> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£26.59</strong> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account</th> <td class="cellPearl"> <a href="/current-accounts/products/graduate/">Graduate Bank Account</a> </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£0.00<br> </strong> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account</th> <td class="cellPearl"> Premier Account (retained Jade benefits) </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£0.00<br> </strong> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account</th> <td> <span class="A-PAR14R-RW-ALL">Private Banking Account</span> </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£0.00<br> </strong> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account</th> <td class="cellPearl"> <a href="/current-accounts/products/premier/">HSBC Premier Bank Account</a><br> </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£0.00<br> </strong> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account</th> <td class="cellPearl"> <a href="/current-accounts/products/student/">Student Bank Account</a> </td> </tr> <tr> <th scope="row">7 days</th> <td> <strong>£0.00</strong> </td> </tr> <tr> <th scope="row">30 days</th> <td> <strong>£0.00<br> </strong> </td> </tr> <tr> <th scope="row">60 days</th> <td> <strong>£0.00</strong> </td> </tr> </tbody> </table> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_3"> Unarranged Overdraft Interest </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_5" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">We will normally charge you unarranged overdraft interest of <strong>39.9% EAR variable</strong>[@private-banking-account-overdraft] on any day your account is in unarranged overdraft. We won’t charge unarranged overdraft interest if covering funds are paid in before the end of the day (defined as 23:45).</p> <p class="A-PAR16R-RW-ALL">We won't charge you more in unarranged overdraft interest than the maximum unarranged overdraft agreed in that charging month. For example, the cost of a £15 unarranged overdraft will be limited to £15.</p> <p class="A-PAR16R-RW-ALL">The monthly cap on unarranged overdraft interest for all current accounts is £20 except for the Private Banking Account, which has a monthly cap on unarranged overdraft interest of £10,000.</p> <p class="A-PAR16R-RW-ALL">A charging month normally starts on the day of the month you originally opened your account.</p> </div></div> <div class="O-TITLE-RW-DEV O-SMARTSPCGEN-DEV"><div id="pp_tools_title_2"> <h2 class="A-BBST28R-RW-ALL"> Unarranged overdrafts </h2> <div class="row"> <div class="sm-12 organismsContainer"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_6" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You’ll have to pay interest if you have an unarranged overdraft. The overdraft costs table displays the amount of interest that applies to each current account. The monthly maximum charge in interest for going above your overdraft is £20 for all current accounts except for the Private Banking Account which has a monthly maximum charge for unarranged borrowing of £10,000.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_4"> Monthly cap on unarranged overdraft charges </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_7" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">1. Each current account will set a monthly maximum charge for:</p> <p class="A-PAR16R-RW-ALL"><span style="background-color: rgba(0, 0, 0, 0);">    (a) going overdrawn when you have not arranged an overdraft; or</span></p> <p class="A-PAR16R-RW-ALL"><span style="background-color: rgba(0, 0, 0, 0);">    (b) going over/past your arranged overdraft limit (if you have one).</span></p> <p class="A-PAR16R-RW-ALL"><br> 2. This cap covers any:</p> <p class="A-PAR16R-RW-ALL"><span style="background-color: rgba(0, 0, 0, 0);">    (a) interest and fees for going over/past your arranged overdraft limit;</span></p> <p class="A-PAR16R-RW-ALL"><span style="background-color: rgba(0, 0, 0, 0);">    (b) fees for each payment your bank allows despite lack of funds; and</span></p> <p class="A-PAR16R-RW-ALL"><span style="background-color: rgba(0, 0, 0, 0);">    (c) fees for each payment your bank refuses due to lack of funds.</span></p> </div></div> </div> </div> </div></div> <div class="O-TITLE-RW-DEV O-SMARTSPCGEN-DEV"><div id="pp_tools_title_3"> <h2 class="A-BBST28R-RW-ALL"> Check if you're eligible </h2> <div class="row"> <div class="sm-12 organismsContainer"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_8" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Find out if you're likely to get an arranged overdraft, without affecting your credit score.</p> <p class="A-PAR16R-RW-ALL"><strong>Using this tool won't affect your current arranged overdraft if you already have one with us.</strong></p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="pp_tools_buttons_1"> <div class="clearfix horizontal "> <a class="A-BTNP-RW-ALL" href="https://overdrafteligibilitycheck.hsbc.co.uk/" target="_blank" rel="noopener " id="pp_tools_button_1" data-event-component="text link" data-event-name="button:check my eligibility|component:midshelf|position:1"> <span aria-hidden="true">Check my eligibility</span> <span class="visuallyhidden">Check my eligibility This link will open in a new window</span> </a> </div> </div></div> </div> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_8" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div class="anchor" id="faqs"></div> <div id="pp_tools_columnControl_5"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_9" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <section class="sm-12 accordion-with-title O-SMARTSPCGEN-DEV"> <h2 class="A-BBST28R-RW-ALL">Frequently asked questions</h2> </section> <div id="pp_tools_accordion_1" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_1" class="sm-12 clear-float"> <div class="anchor" id="Whats_the_difference_between_an_arranged_and_unarranged_overdraft"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1952318834__panel0" role="button" tabindex="0"> <h3 id="1952318834__tab0" class="dropdown-text ">What's the difference between an arranged and unarranged overdraft?  </h3> <span class="chevron"></span> </div> <section id="1952318834__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_6"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_10" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_9" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">An arranged overdraft is where we agree an overdraft with a limit with you, before your account goes overdrawn, or over your current arranged overdraft limit.</p> <p class="A-PAR16R-RW-ALL">You may be able to go into an unarranged overdraft even if you do not have an arranged overdraft limit. An unarranged overdraft is when you authorise a payment that would take your account overdrawn or beyond your arranged limit without agreeing in advance an overdraft to cover it. An unarranged overdraft may result in declined transactions and may adversely effect your credit file.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_2" class="sm-12 clear-float"> <div class="anchor" id="Am_I_guaranteed_an_overdraft"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1285171617__panel0" role="button" tabindex="0"> <h3 id="-1285171617__tab0" class="dropdown-text ">Am I guaranteed an overdraft?  </h3> <span class="chevron"></span> </div> <section id="-1285171617__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_7"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_11" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_10" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">An overdraft isn't guaranteed and is repayable ‘on demand’. This means that we could refuse a payment if you have insufficient funds in your account or ask at any time for immediate repayment.</p> <p class="A-PAR16R-RW-ALL">Every month, we'll review your account to make sure your overdraft borrowing is suitable, based on credits to your account. If we feel that your overdraft borrowing may be too much when compared to credits to your account, we'll recommend that you pay in an appropriate amount each month. When we get in touch, we will also explain how we may be able to help, in the short and long term, if you're unable to pay this amount.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_3" class="sm-12 clear-float"> <div class="anchor" id="How_do_I_set_up_change_or_find_out_what_my_overdraft_limit_is"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="38743564__panel0" role="button" tabindex="0"> <h3 id="38743564__tab0" class="dropdown-text ">How do I set up, change or find out what my overdraft limit is?  </h3> <span class="chevron"></span> </div> <section id="38743564__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_8"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_12" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_11" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can find out your overdraft limit by logging onto online banking or the Mobile Banking app. You can also see this limit in your recent statements.</p> <p class="A-PAR16R-RW-ALL">If you'd like us to increase, decrease or cancel your limit, you can do this through online or mobile banking. You can also contact us by phone or go to a branch. Changes to your overdraft limit are subject to status.</p> <p class="A-PAR16R-RW-ALL">If you hold a Private Banking Account, please contact your Relationship Manager to manage your arranged overdraft.</p> <p class="A-PAR16R-RW-ALL">You’ll be required to repay anything you owe if you want to cancel. If you want to reduce your limit, you’ll need to reduce the amount you’ve borrowed to less than your new limit.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_4" class="sm-12 clear-float"> <div class="anchor" id="Is_there_an_interest-free_buffer_on_my_account"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1020849454__panel0" role="button" tabindex="0"> <h3 id="1020849454__tab0" class="dropdown-text ">Is there an interest-free buffer on my account?  </h3> <span class="chevron"></span> </div> <section id="1020849454__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_9"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_12" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Whether you have an arranged overdraft facility or not, most of our accounts include an interest-free buffer. It’s intended as a safety net for short-term emergency borrowing if you don’t otherwise have enough funds available to cover a payment. </p> <p class="A-PAR16R-RW-ALL">The interest-free buffer is £25 or higher on most of our accounts. A higher amount is included with our Student, Graduate, Premier (including retained Jade benefits) and Private Banking Account customers.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_5" class="sm-12 clear-float"> <div class="anchor" id="What_interest_rate_or_fees_will_I_pay_on_an_overdraft"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="331665070__panel0" role="button" tabindex="0"> <h3 id="331665070__tab0" class="dropdown-text ">What interest rate or fees will I pay on an overdraft?  </h3> <span class="chevron"></span> </div> <section id="331665070__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_10"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_14" class="cc-column"> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM M-BSCTBL-RW-RBWM"><div data-accessibility-tick-icon-text="Yes" data-accessibility-cross-icon-text="No" id="pp_tools_basicTable_2" class="table-wrapper "> <table class="desktop"> <caption> <div class="A-PAR16R-RW-ALL text-container text "> Interest payable on an overdraft by account name </div> </caption> <thead><tr> <th>Account name</th> <th>Interest rate on an overdraft</th> <th>Unarranged overdraft monthly maximum charge</th> </tr></thead> <tbody><tr> <td class="cellPearl"><span style="background-color: inherit;" class="A-PAR14R-RW-ALL"><strong>Bank Account</strong></span><br></td> <td><p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br> Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Bank Account, the rate is 0% EAR (variable) on the first £25, <strong>39.9%</strong> EAR (variable)</p> <p class="A-PAR14R-RW-ALL">thereafter, giving a representative rate of 38.9% APR (variable).</p></td> <td><span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span><br></td> </tr> <tr> <td class="cellPearl"><span class="A-PAR14R-RW-ALL"><strong>Advance Bank Account</strong></span></td> <td><span class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br> Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Advance Bank Account, the rate is 0% EAR (variable) on the first £25, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of 38.9% APR (variable). </span></td> <td><span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span><br></td> </tr> <tr> <td class="cellPearl"><span class="A-PAR14R-RW-ALL"><strong>Graduate Bank Account</strong></span></td> <td><p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br> Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Graduate Bank Account, the rates are:</p> <p class="A-PAR14R-RW-ALL"> </p> <p class="A-PAR14R-RW-ALL">Year 1: <strong>0%</strong> EAR (variable) on the first £3,000, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of 0% APR (variable)</p> <p class="A-PAR14R-RW-ALL"> </p> <p class="A-PAR14R-RW-ALL">Year 2: <strong>0%</strong> EAR (variable) on the first £2,000, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of 0% APR (variable).</p></td> <td><span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span><br></td> </tr> <tr> <td class="cellPearl"><span class="A-PAR14R-RW-ALL"><strong>Student Bank Account</strong></span></td> <td><p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br></p> <p class="A-PAR14R-RW-ALL">Based on an assumed arranged overdraft of <strong>£1,000</strong> for an HSBC Student Bank Account, the rate is <strong>0% </strong>EAR (variable), giving a representative rate of <strong>0%</strong> APR (variable).</p></td> <td><span class="A-PAR14R-RW-ALL">No overdraft charges</span></td> </tr> <tr> <td class="cellPearl"><span class="A-PAR14R-RW-ALL"><strong>HSBC Premier Bank Account</strong></span><br></td> <td><p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br></p> <p class="A-PAR14R-RW-ALL">Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Premier Bank Account, the rates are 0% EAR (variable) on the first <strong>£500</strong>, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of <strong>21.8%</strong> APR (variable).</p></td> <td><span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span></td> </tr> <tr> <td class="cellPearl"><span class="A-PAR14R-RW-ALL"><strong>HSBC Premier (retained Jade benefits) Account</strong></span></td> <td><p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong></p> <p class="A-PAR14R-RW-ALL">Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Premier (retained Jade benefits) Account, the rates are 0% EAR (variable) on the first <strong>£1,000</strong>, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of <strong>5.8%</strong> APR (variable).</p></td> <td><span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span></td> </tr> <tr> <td class="cellPearl"><span class="A-PAR14R-RW-ALL"><strong>HSBC Private Banking Account</strong></span></td> <td><p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong></p> <p class="A-PAR14R-RW-ALL">Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Private Banking Account, the rates are 0% EAR (variable) on the first <strong>£1,000, 8%</strong> EAR (variable) thereafter, giving a representative rate of <strong>1.3%</strong> APR (variable).</p></td> <td><span class="A-PAR14R-RW-ALL">Monthly maximum charge of £10,000</span></td> </tr></tbody> </table> </div> <table class="non-desktop "> <caption> <div class="A-PAR16R-RW-ALL text-container text "> Interest payable on an overdraft by account name </div> </caption> <tbody> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span style="background-color: inherit;" class="A-PAR14R-RW-ALL"><strong>Bank Account</strong></span><br> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br> Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Bank Account, the rate is 0% EAR (variable) on the first £25, <strong>39.9%</strong> EAR (variable)</p> <p class="A-PAR14R-RW-ALL">thereafter, giving a representative rate of 38.9% APR (variable).</p> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span><br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span class="A-PAR14R-RW-ALL"><strong>Advance Bank Account</strong></span> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <span class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br> Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Advance Bank Account, the rate is 0% EAR (variable) on the first £25, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of 38.9% APR (variable). </span> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span><br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span class="A-PAR14R-RW-ALL"><strong>Graduate Bank Account</strong></span> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br> Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Graduate Bank Account, the rates are:</p> <p class="A-PAR14R-RW-ALL"> </p> <p class="A-PAR14R-RW-ALL">Year 1: <strong>0%</strong> EAR (variable) on the first £3,000, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of 0% APR (variable)</p> <p class="A-PAR14R-RW-ALL"> </p> <p class="A-PAR14R-RW-ALL">Year 2: <strong>0%</strong> EAR (variable) on the first £2,000, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of 0% APR (variable).</p> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span><br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span class="A-PAR14R-RW-ALL"><strong>Student Bank Account</strong></span> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br></p> <p class="A-PAR14R-RW-ALL">Based on an assumed arranged overdraft of <strong>£1,000</strong> for an HSBC Student Bank Account, the rate is <strong>0% </strong>EAR (variable), giving a representative rate of <strong>0%</strong> APR (variable).</p> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">No overdraft charges</span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span class="A-PAR14R-RW-ALL"><strong>HSBC Premier Bank Account</strong></span><br> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong><br></p> <p class="A-PAR14R-RW-ALL">Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Premier Bank Account, the rates are 0% EAR (variable) on the first <strong>£500</strong>, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of <strong>21.8%</strong> APR (variable).</p> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span class="A-PAR14R-RW-ALL"><strong>HSBC Premier (retained Jade benefits) Account</strong></span> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong></p> <p class="A-PAR14R-RW-ALL">Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Premier (retained Jade benefits) Account, the rates are 0% EAR (variable) on the first <strong>£1,000</strong>, <strong>39.9%</strong> EAR (variable) thereafter, giving a representative rate of <strong>5.8%</strong> APR (variable).</p> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">Monthly maximum charge of £20</span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Account name</th> <td class="cellPearl"> <span class="A-PAR14R-RW-ALL"><strong>HSBC Private Banking Account</strong></span> </td> </tr> <tr> <th scope="row">Interest rate on an overdraft</th> <td> <p class="A-PAR14R-RW-ALL"><strong>Representative example:</strong></p> <p class="A-PAR14R-RW-ALL">Based on an <strong>assumed arranged overdraft of £1,200</strong> for an HSBC Private Banking Account, the rates are 0% EAR (variable) on the first <strong>£1,000, 8%</strong> EAR (variable) thereafter, giving a representative rate of <strong>1.3%</strong> APR (variable).</p> </td> </tr> <tr> <th scope="row">Unarranged overdraft monthly maximum charge</th> <td> <span class="A-PAR14R-RW-ALL">Monthly maximum charge of £10,000</span> </td> </tr> </tbody> </table> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_13" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><strong>EAR</strong> (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.</p> <p class="A-PAR16R-RW-ALL"><strong>APR</strong> (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.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_6" class="sm-12 clear-float"> <div class="anchor" id="Is_there_an_interest-free_buffer_on_my_account"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1173459888__panel0" role="button" tabindex="0"> <h3 id="1173459888__tab0" class="dropdown-text ">Will an overdraft affect my credit rating?  </h3> <span class="chevron"></span> </div> <section id="1173459888__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_11"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_14" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">We will report accounts that have been in a continuous unarranged overdraft for 30 or more days to Credit Reference Agencies, which could negatively affect your credit file and your ability to get credit in the future. We will also report, as standard, any arranged overdraft limit and overdraft usage for all current accounts.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_7" class="sm-12 clear-float"> <div class="anchor" id="Is_there_an_interest-free_buffer_on_my_account"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="243869683__panel0" role="button" tabindex="0"> <h3 id="243869683__tab0" class="dropdown-text ">Will you send me text alerts to warn me if I'm overdrawn?  </h3> <span class="chevron"></span> </div> <section id="243869683__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_12"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_16" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_15" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">We’ll send texts when you have entered or we become aware you are due later that day to enter:</p> <ul class="A-LSTU-RW-ALL"> <li>Your arranged overdraft – to help you monitor your usage</li> <li>Your unarranged overdraft - so you know when you've gone over any interest free or arranged overdraft limit and what action you can take</li> </ul> <p class="A-PAR16R-RW-ALL">If you don't provide your mobile number, or let us know when you've changed it, we won't be able to send you text alerts to make you aware of your overdraft usage.<br></p> <p class="A-PAR16R-RW-ALL">You can opt out of the arranged or unarranged texts at any time by phone, or by calling into branch.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> 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<source srcset="/content/dam/hsbc/gb/images/articles/16-9/couple-bills.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/gb/images/articles/16-9/couple-bills.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/gb/images/articles/16-9/couple-bills.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/gb/images/articles/16-9/couple-bills.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_main_image_4" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/gb/images/articles/16-9/couple-bills.jpg" alt/> </picture> </div> <div class="heading"> <h3 class="link"> How to get out of your overdraft</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_main_tile_3" class="A-PNL-RW-ALL"> <a 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Overdraft Calculator | Overdraft Charges - HSBC UK