All information regarding HSBC and their services can be found here.
HSBC is a British multinational banking and financial services holding company whose headquarters can be found in London. The bank’s origins lie in Hong Kong and Shanghai and it was first established as the Hong Kong and Shanghai Bank in 1865. The company was incorporated in 1866 and became the Hong Kong and Shanghai Banking Corporation (HSBC) and established itself in London in 1991 as the Hong Kong and Shanghai Banking Corporation Limited. HSBC has about 4,000 offices in 70 countries and territories across Africa, Asia, Oceania, Europe, North America and South America and has around 37 million customers. They are the world’s sixth largest bank in terms of total assets and the largest in Europe as of 2016. They have a total revenue of US$47.96 billion and employ around 235,175 people. The corporation is listed on both the London and Hong Kong Stock Exchanges.
|Head Office||0844 453 0258|
|Complaints||0844 826 8030|
|Telephone Banking||0843 658 0827|
|Mortgage Information||0843 557 3756|
|Lost/Stolen Cards||0843 557 3578|
|Emergency/Fraud||0843 557 3771|
|Head Office||Opening Hours|
|For Existing HSBC Customers||8am to 8pm every day|
|For non-HSBC Customers||8am-10pm every day (except Christmas Day, Boxing Day and New Year’s Day)|
|Head Office||8 Canada Square, London E14 5HQ, United Kingdom|
HSBC offer many services to their customers, including banking & saving accounts, loans & mortgages, insurance, credit cards and investment opportunities. Their banking services can be accessed in multiple ways, through online or mobile banking, telephone banking or by visiting your nearest branch. Visiting their website allows you to browse through all of their services, as well as a link to find your nearest branch.
HSBC offer help and support for significant life events such as getting married, planning your retirement or even bereavement support. They also offer planning tools such as children’s future planners and financial health checks. This allows you to feel protected in your life plans when you are an HSBC customer.
Not only do HSBC have personal banking plans, they also offer support to businesses. For businesses, they advertise everyday banking accounts, finance & borrowing, payments, protection and import & export services. They also provide business solutions for business bank accounts, credit & lending, credit & debit cards, business insurance, ways to bank, international business, corporate banking and the chance to compare other providers.
They also offer quick links to aspects of their business banking including opening a business bank account and a guide to business borrowing, which is helpful for those with new businesses or those who may not know much about banking for businesses.
HSBC not only offer business banking, but also a separate page for their corporate customers. Here customers can find help on building their growth both in the UK and overseas, and HSBC gives them access to sections on working capital, growth, payments, investments and managing risk. They also provide guides on specific countries and how you can expand your business there.
HSBC’s online banking is a great way to manage your HSBC account and allows you to view your account balance, make payments and transfer money between accounts. Once you have accessed the HSBC online banking page you can log in with your IB – short for IBAN – number (you will be given this when you set up your online banking account). You are given the option to change this number on the homepage, so you can feel free to make it something more rememberable. From here you will be asked to provide an answer to a security question and generate a six-digit code by using your banking key. You will have been provided with your banking key when you set up your online banking account and will have a password which unlocks the key to generate the six-digit code. Once you’ve entered the code into the web page you will be logged into your online banking account. Once logged in you can also use the mobile banking app to transfer money, set up and cancel direct debits and standing orders, and you will also be able to view your account activity and check your balance.
If you have any questions about online banking with HSBC please call the HSBC Head Office Contact Number on 0844 453 0258 to be put in contact with someone who can help you.
When you look through the range of current accounts that HSBC offers, it is easy to find one that can fit your needs, such as student or graduate bank accounts as well as basic and pay monthly bank accounts. Graduate accounts are perfect for those just leaving university, as HSBC automatically change your student account to a graduate account once you’ve left, and keeps the perks of a student account like an interest-free overdraft that only ends after you’ve been a graduate for two years. You also have access to applications for graduate loans of up to £25,000 that can help you settle into your working life.
HSBC’s basic current accounts provide you with a Visa debit card and access to up to £300 cash withdrawals daily, as well as 24/7 telephone banking. This is among other current accounts like the Advance Account and Premier Account. The Advance Account doesn’t charge a monthly fee and provides access to £500 daily ATM cash withdrawals, as well as a minimum overdraft offer of £1000 at account opening, as well as access to worldwide ATM cash withdrawals without HSBC non-sterling cash fees.
With the HSBC Premier Account, there is a charge, and also a requirement of £50,000 or more in investable assets to be considered eligible. All fees will be discussed by calling an adviser at HSBC, and you will be given an initial no-obligation consultation to hear what they can offer you. Their savings accounts come in several forms: instant access
Their savings accounts come in several forms: instant access accounts – like help to buy: ISA’s -, fixed term savings accounts, tax-free savings accounts and children’s savings accounts like the future saver. All of these offer different services and interest rates, so it is best to check their website or call the HSBC Head Office Contact Number on 0844 453 0258 to find the account that may be best for you.
HSBC have multiple credit card options for you to choose from if you’re interested in activating a credit card with them. Their student credit card has no annual fee and up to £5000 credit available and has a representative APR of 18.9% APR based on the assumed credit limit of £1,200.
The Premier credit card is available to Premier bank account customers and offers services like 0% on purchases for 9 months and a rewards programme that collects reward points and lets you redeem them for shopping vouchers or frequent flyer miles. This card also offers a representative APR of 18.9%. The Premier World Elite Mastercard charges an annual fee of £195 and has a representative APR of 59.3% APR, but also offers an enhanced rewards programme, along with 40,000 reward points when you spend £2000 in your first 90 days of card membership.
The HSBC dual credit card is available for both new and existing HSBC customers and offers 0% interest on purchases and balance transfers for 26 months, and has no annual fee. For the balance transfers, there is a 2.89% fee, and they must be a minimum of £5. The representative APR for the dual credit card is 22.9%.
HSBC also offer two balance transfer credit cards- one for 32 months and one for 41 months, which offer 0% interest on balance transfers until the stated promotional period is over. There is no annual fee on either, and a representative APR of 18.9% on the 32 months credit card and 22.9% on the 41 months credit card. Both cards offer 0% interest on purchases for 3 months, but the 32-month card charges a 1.4% fee on balance transfers whereas the 41-month card applies a 3.43% fee. To find out which card may suit you best, and if you are eligible to apply you can visit your nearest branch or call the HSBC Head Office Contact Number on 0844 453 0258.
HSBC can offer a mortgage that will definitely suit you no matter what your situation is, as they have mortgages for your first-time buyers, those who are moving home, or looking to re-mortgage. They also offer mortgages for those who are buying to let.
An example of different mortgages for your situation is how they have three types of mortgages for new property owners – fixed-rate mortgages, tracker rate mortgages and discount rate mortgages, each with a different effect. Discount rate mortgages, for example, provide a set discount on their standard rate for the first few monthly payments which helps you ease into paying a monthly mortgage. However, an early repayment charge will apply in some cases. Whereas, if you would prefer a mortgage that is more secure and will not alter your charges, then a fixed-rate mortgage is the one for you.
Managing your chosen mortgage is easy, as it can be monitored online, and you will gain access to the HSBC loyalty range which offers things like discounted booking fees as a special thanks for accepting an HSBC mortgage.
Their quick links on their mortgages page provide access to services that find and compare their mortgage rates and let you find out how much you could borrow with HSBC, which ends up helping your experience with creating your mortgage with them.
If you have any questions about starting a mortgage with HSBC, or would like more information about changing your mortgage to a new home or re-mortgaging, you can check the mortgages page on their website at hwww.hsbc.co.uk/1/2/mortgages or call HSBC on 0843 557 3756 to be put in contact with someone who can help you with any queries.
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