£210 for switching banks

Get £175 with a £35 boost on top when you switch to us. Within 45 days of your account opening you need to: switch to us using the Current Account Switch Service (including at least 2 Direct Debits or standing orders), deposit £1,000, make 5+ debit card payments, and log on to digital banking. New customers only. T&Cs apply. Extra £35 offer is available for accounts opened between 14 September and 2 December 2026.
Start your switch

The Bank of England base rate has changed from 3.75% to 4.00%. There's no need to call us, we'll be in touch soon to let you know if this affects you. Check out our Bank of England base rate page for more information.

We've got lots to offer

Banking in black and white

  • open an account in minutes
  • a virtual card to use straight away
  • no monthly fees.
Open a bank account

Your money, on your mobile

  • saving and budgeting tools
  • track your spending
  • freeze and unfreeze your card
  • secure log on
  • simple help topics and live chat if you're having trouble.
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And that's not all

2 million customers, and loads of them have stayed with us for over a decade

Rated excellent on Trustpilot since May 2026 based on 38,970 reviews

Wherever you find yourself during the cost-of-living crisis, we're here to help you through it

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Independent service quality survey results

Personal current accounts

Published August 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Overall Service Quality. We asked customers how likely they would be to recommend their personal current account provider to friends and family. Ranking: 1 Monzo 79% 2 Starling 76% 3 Nationwide 75% equal 3 first direct 75% 5 Chase 68%.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on the SQI page. 

See full results >

Authorised push payment (APP) scams rankings

Authorised push payment (APP) scams happen when someone is tricked into transferring money into a fraudster's bank account.

 

Information about HSBC UK and first direct performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Report published in February 2026.

 

If you are concerned about APP scams you can find out more on our Authorised push payment (APP) scams page.

Your eligible deposits with HSBC UK Bank plc are protected up to a total of £120,000 or up to £240,000 for joint accounts, by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

This limit is applied to the total of any deposits you have with the following: HSBC UK, HSBC Private Bank, first direct, and M&S Bank. Any total deposits you hold above the limit between these brands are unlikely to be covered. You can find out more by visiting our dedicated FSCS page.

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