Table of contents
Make the most of your card in the UK
Paying for goods in shops and restaurants
Enjoy the convenience of using your debit or credit card in any outlet displaying the logo on your card (i.e. VISA or MasterCard).
Withdrawing up to £100 cashback
When you pay with your debit card, many shops, supermarkets and other retailers offer a cashback service of up to £100.
Shopping safely online
We provide an extra layer of security when you shop online with your HSBC UK debit card and credit card, using the Verified by VISA or Mastercard Identity Check service. It's free and you don't need to register.
When you make an online purchase with your HSBC UK debit card or credit card, you may be asked to enter a one-time passcode (OTP) if we need to check that your purchase is genuine. We’ll send you a unique 6-digit OTP by text message to use.
To help us keep you safe online, please make sure you keep your contact details up to date. You can do this online or by calling us on 03457 404 404.
Cash withdrawals
As a debit card customer, you can withdraw cash from any HSBC cash machine with no transaction fee. Your daily cash withdrawal depends on the type of current account you hold:
- For HSBC Bank account it is £300
- For HSBC Advance it is £500
- For HSBC Premier it is £1,000
- For HSBC Jade it is £1,000
Please note that credit card customers will be charged a cash advance fee. Also, unlike with purchases, interest is charged on cash withdrawals with a credit card from the date when the transaction is applied to your account until the date payment is received. See more about credit card fees.
Please be aware that 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.
As with all payments and withdrawals, this is subject to you having sufficient funds available.
Make the most of your card outside the UK
Paying for goods in shops and restaurants
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.
Withdrawing local currency
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.
Cash machine locator
Find out where you can use your Visa debit or credit card outside the UK.
Non-sterling transactions
We've made some changes to how we present non-sterling transactions on statements. Find out more.
Contactless debit and credit card
Make low-value payments with just the tap of your card
You can use your contactless debit and credit card to make payments up to £45 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 £45 may vary depending on local limits (may be more or less).
No need to carry cash around
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.
Contactless with TFL
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.
Useful security information
Read how we can work together to keep your HSBC card safe, including:
- protecting your card and PIN
- covering your PIN when you enter it to stop others seeing it
- never divulging your PIN to anyone, even if they claim to be police or HSBC staff
- checking statements and query transactions you don't recognise
Foreign usage fees
Debit card fees and credit card fees outside the UK
| Purchases |
Withdrawals |
More information |
|
|---|---|---|---|
| HSBC Premier |
Non-Sterling transaction fee 2.75% |
Non-Sterling transaction fee 2.75% |
Find out more |
| HSBC Advance |
Non-Sterling transaction fee 2.75% |
Non-Sterling transaction fee 2.75% |
Find out more |
Other HSBC accounts |
Non-Sterling transaction fee 2.75% |
Cash Fee 2% (Minimum £1.75, maximum £5.00)
Non-Sterling transaction fee 2.75% |
Find out more |
|
HSBC Premier |
|
| Purchases
|
Non-Sterling transaction fee 2.75% |
| Withdrawals
|
Non-Sterling transaction fee 2.75% |
More information |
Find out more |
|
HSBC Advance |
|
| Purchases
|
Non-Sterling transaction fee 2.75% |
| Withdrawals
|
Non-Sterling transaction fee 2.75% |
More information |
Find out more |
|
Other HSBC accounts |
|
| Purchases
|
Non-Sterling transaction fee 2.75% |
| Withdrawals
|
Cash Fee 2% (Minimum £1.75, maximum £5.00)
Non-Sterling transaction fee 2.75% |
More information |
Find out more |
| Purchases |
Withdrawals |
More information |
|
|---|---|---|---|
| HSBC Credit Card |
Non-Sterling transaction fee 2.99% |
Cash Fee 2.99% (minimum £3.00) Non-Sterling transaction fee 2.99% |
Find out more |
| HSBC Premier World Elite™Mastercard® |
Non-Sterling transaction fee 2.99% |
Cash Fee 2.99% (minimum £3.00) Non-Sterling transaction fee 2.99% |
Find out more |
HSBC Premier Credit Card |
Non-Sterling transaction fee 2.99% |
Cash Fee 2.99% (minimum £3.00) Non-Sterling transaction fee 2.99% |
Find out more |
| HSBC Student Credit Card |
Non-Sterling transaction fee 2.99% |
Cash Fee 2.99% (minimum £3.00)
Non-Sterling transaction fee 2.99% |
Find out more |
|
HSBC Credit Card |
|
| Purchases
|
Non-Sterling transaction fee 2.99% |
| Withdrawals
|
Cash Fee 2.99% (minimum £3.00) Non-Sterling transaction fee 2.99% |
More information |
Find out more |
|
HSBC Premier World Elite™Mastercard® |
|
| Purchases
|
Non-Sterling transaction fee 2.99% |
| Withdrawals
|
Cash Fee 2.99% (minimum £3.00) Non-Sterling transaction fee 2.99% |
More information |
Find out more |
|
HSBC Premier Credit Card |
|
| Purchases
|
Non-Sterling transaction fee 2.99% |
| Withdrawals
|
Cash Fee 2.99% (minimum £3.00) Non-Sterling transaction fee 2.99% |
More information |
Find out more |
|
HSBC Student Credit Card |
|
| Purchases
|
Non-Sterling transaction fee 2.99% |
| Withdrawals
|
Cash Fee 2.99% (minimum £3.00)
Non-Sterling transaction fee 2.99% |
More information |
Find out more |
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 illustrations
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:
Non-Sterling transaction fee: £2.41
Cash fee: N/A
Non-Sterling transaction fee: £2.41
Cash fee: £1.75
Non-Sterling transaction fee: £2.41
Cash fee: N/A
Non-Sterling transaction fee: £2.41
Cash fee: N/A
Non-Sterling transaction fee: £2.41
Cash fee: N/A
Non-Sterling transaction fee: £2.41
Cash fee: £1.75
Non-Sterling transaction fee: £2.41
Cash fee: N/A
Non-Sterling transaction fee: £2.41
Cash fee: N/A
| Visa Credit Card |
Purchases | Withdrawals |
|---|---|---|
| HSBC Credit Card & HSBC Student Credit Card |
Non-Sterling transaction fee: £2.62
Cash fee: N/A |
Non-Sterling transaction fee: £2.62
Cash fee: £3.00 |
| Visa Credit Card
|
HSBC Credit Card & HSBC Student Credit Card |
|---|---|
| Purchases |
Non-Sterling transaction fee: £2.62
Cash fee: N/A |
| Withdrawals
|
Non-Sterling transaction fee: £2.62
Cash fee: £3.00 |
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:
| MasterCard Credit Card |
Purchases |
Withdrawals |
|---|---|---|
| HSBC Premier Credit Card |
Non-Sterling transaction fee: £2.62
Cash fee: N/A |
Non-Sterling transaction fee: £2.62
Cash fee: £3.00 |
| HSBC Premier World Elite™ MasterCard® |
Non-Sterling transaction fee: £2.62
Cash fee: N/A |
Non-Sterling transaction fee: £2.62
Cash fee: £3.00 |
| MasterCard Credit Card |
HSBC Premier Credit Card |
|---|---|
| Purchases |
Non-Sterling transaction fee: £2.62
Cash fee: N/A |
| Withdrawals |
Non-Sterling transaction fee: £2.62
Cash fee: £3.00 |
| MasterCard Credit Card |
HSBC Premier World Elite™ MasterCard® |
| Purchases |
Non-Sterling transaction fee: £2.62
Cash fee: N/A |
| Withdrawals |
Non-Sterling transaction fee: £2.62
Cash fee: £3.00 |
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.
Will there be any increases to my credit card APR or fees due to coronavirus?
No. We do not expect coronavirus to have an impact on your APR or fees.