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A limited banking service if you haven’t been able to open a standard account
Current Accounts

HSBC Basic Bank Account

Our Basic Bank Account is designed only for customers who don't qualify for our other accounts (for example because they are bankrupt, in financial difficulty or have a poor credit history).

Learn about our Bank Account before applying, it may be more suitable and has some great benefits.

  • Banking your way with 24/7 internet, telephone and mobile banking

  • Clutch Event Rhinestone Red Damara Minaudiere Decorative Lady Bag Withdraw up to £300 a day but no cheque book

Please note you will not have access to any lending facility, including overdraft, credit card, personal loan or mortgage. You will also not have access to certain savings accounts such as Regular Saver, Fixed Rate Saver or Online Bonus Saver.

Switch your current account in a simple, reliable and stress-free way in only 7 working days.

Apply for an HSBC Basic Bank Account today

The essentials

Cash withdrawals

With this account you will be given a Visa Debit Card which you can use to withdraw money from any ATM in the UK1 - up to £300 a day. Get up to £100 cashback at outlets nationwide when you pay with your Debit Card.

You can also use your Debit Card to withdraw local currency at cash machines worldwide and pay for goods and services worldwide wherever you see the VISA logo. A non-Sterling transaction fee of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee - currently 2% (minimum £1.75, maximum £5.00)2. Before you travel, please tell us you will be using your cards abroad using online banking and ensure we hold your up to date contact details, including a mobile telephone number if available.

To keep things simple, this account does not offer a cheque book, overdraft or other credit facilities.

Everyday banking

Choose to bank your way through online, mobile or telephone banking channels. You can check your balance, pay bills or make payments to family and friends.

Easy banking

Make it easy to manage your money by setting up Direct Debits or standing orders so your bills are paid automatically. Plus you can make one-off payments to friends and family, either online or over the phone.


1 Cash machines: Some cash machine owners in the UK may charge you for withdrawals. This will be shown on screen with an option to cancel the withdrawal if you want.

2 Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the transaction amount (and for cash withdrawals  a Cash Fee of 2% of the cash withdrawal (minimum: £1.75, maximum: £5)). We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current Visa scheme exchange rates are available at www.visaeurope.com This link will open in a new window.

Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside the UK. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us. 



Apply for HSBC Basic Bank Account

Apply online

It only takes a few minutes to apply online for an individual Basic Bank Account. 

By clicking “Apply now” you will be confirming that you meet the eligibility criteria for this account as set out on this page, and that you do not qualify for one of our other current accounts.

Things you should know

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