Using your card

Enjoy the convenience of using your debit or credit card in any outlet displaying the logo on your card (i.e. VISA or MasterCard).

We provide an extra layer of security when you shop online with your HSBC UK debit card and credit card, using the VISA Secure or Mastercard Identity Check service. It's free and you don't need to register.

When you buy something online with your HSBC UK debit or credit card, you may be asked to confirm the payment so that we can check it's really you and not a fraudster.

From June 2021, you may be asked to confirm online card payments more often, and we're bringing in new ways for you to do this. To find out more about these changes, see confirming online card purchases.

If you have a debit card, you can withdraw money from any HSBC cash machine with no transaction fee. Your daily cash withdrawal limit depends on the type of current account you hold and whether you've asked for the limit to be reduced. The standard daily limits are:

• £300 for HSBC Bank Account and HSBC Basic Bank Account
• £500 for HSBC Advance
• £1,000 for HSBC Premier and HSBC Premier (retained Jade benefits)
• £1,000 for HSBC Private Banking Account customers

Please note: we charge a cash advance fee for credit card withdrawals. Also, unlike with purchases, we charge interest on cash withdrawals with a credit card. This is from the date when the transaction is applied to your account until the date payment is received. See more about credit card fees.

Some non-HSBC cash machines may charge you a transaction fee. This will be shown on screen when you make the withdrawal. Also, cash withdrawal limits will apply.

To find your nearest free-to-use cash machine, use the Cash Locator tool found at www.link.co.uk/consumers/locator. Simply enter the town or postcode and it will show you the nearest cash machines and places that provide cash withdrawals. The tool will also tell you if it's free or if there’s a charge.

As with all payments and withdrawals, this is subject to you having enough money available in your account.

Some shops, supermarkets and other retailers offer a cashback service when you buy things with a debit card. In some shops, you don’t even need to buy anything. Just ask at the till to withdraw any amount from 1p to £50. You can get the amount in coins or notes.

To find out which shops let you take out cash at their till, use the Cash Locator tool found at www.link.co.uk/consumers/locator and look for the orange symbol. This tells you that the service is free.

Enjoy the convenience of using your HSBC debit or credit card in any outlet that displays the logo on your card. Fees apply. See more about debit card fees and credit card fees. 

Whether you're away on business or on holiday, you can use your debit or credit card at cash machines outside the UK whenever you need extra currency. Please note that fees apply and non-HSBC cash machines may also charge you a fee. 

Find out where you can use your Visa debit or credit card outside the UK.

You can use your contactless debit and credit card to make payments up to £100 at any retailer that accepts contactless. Just look for the contactless logo.

You can use your contactless card abroad just as you can in the UK. Contactless transactions will be accepted wherever the contactless symbol is displayed. Please be aware that the contactless transaction limit of £100 may vary depending on local limits (may be more or less).

Rather than search for loose change, simply tap your card at retailers to pay for coffee, newspapers, sandwiches and all manner of low-value items at participating retailers.

Find out more information on contactless and where to use it.

London's public transport network accepts contactless payment cards. This means you can use your contactless card to pay for single fare journeys.

However if your card is new then you will need to have made at least one transaction with Chip and PIN/Signature to enable the contactless functionality on your card.

For details about how it works, charges, fare capping and more, please visit www.tfl.gov.uk.

Any non-sterling transactions (including cash withdrawals) are converted to sterling using the relevant payment scheme exchange rate on the day the conversion is made.

We will deduct the payment and related transaction fees from your account once we receive details of the payment from the card scheme, at latest on the next working day.

For more information, you can check the rate of exchange Visa used when converting your transaction using Visa’s currency converter. 

Cost illustration of making a transaction outside the UK of €100.00 using an example Visa exchange rate of 0.876855 = £87.69. The following fees would have been added appropriate to your card and transaction as per the tables below:

See more information on the rate of exchange MasterCard used when converting your transaction.

Cost illustration of making a non-sterling transaction of €100.00 using an example MasterCard exchange rate of 0.875944 = £87.59. The following fees would have been added appropriate to your card and transaction as per the tables below:

You receive up to 56 days interest-free credit on credit card purchases if you pay your whole balance in full and on time.

Please be aware that interest is charged from the date transactions are applied to your account until payment is received. There is no interest-free period on cash advances. Some cash machine operators may apply a direct charge for withdrawals from their cash machines. This will be shown on-screen at the time of withdrawal.

Also, cash withdrawal limits will apply.

You can use your card to make non-sterling cash withdrawals from self-service machines operated by a third party and agree that the third party will perform the currency conversion for you. The applicable exchange rate, the amount of cash you will receive and the amount in sterling will be shown on the screen. The amount in sterling will be deducted from your account balance when we receive details of the payment from the self-service machine operator, at the latest on the next working day.