HSBC Premier Account | Premier Banking

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Everything's Premier when your bank account is

  • Peace of mind for you and your family[@premier-travel-insurance] with HSBC Premier Worldwide Travel Insurance provided by Aviva
  • Access to a range of wellbeing and health benefits[@online-health-services]
  • Enjoy exclusive rates, rewards and offers
  • Plan your future with financial advice*
  • No monthly account fee

To be eligible for Premier, you’ll need an annual income of at least £100,000, have savings or investments of £100,000 with us, or qualify for HSBC Premier in another country.

*Fees and eligibility criteria apply.

Ready to apply

Unlock up to £2,400 a year in travel and health benefits with HSBC Premier

HSBC Premier gives you the personal support and tools to succeed, whether you’re growing your money, supporting your family, travelling the world, or moving abroad.

Access exclusive rewards and offers, as well as HSBC Premier Worldwide Travel Insurance and HSBC Online Health Services worth up to £2,400 a year, with no monthly account fee. Find out more about the value of your benefits.

Wealth

  • Plan for your future with support from a team of wealth specialists (fees and eligibility apply)
  • Benefit from a range of preferential rates on loans, mortgages and savings

Health

  • Gain a range of health benefits and services, provided by Square Health[@online-health-services]
  • Access digital GP appointments, mental health support, plus second opinions for you and your family

Travel

  • Travel with confidence with worldwide travel insurance and family cover with Aviva[@premier-travel-insurance]
  • Receive global discounts, emergency cash up to $2,000, and quick replacement cards when abroad

International

  • Relax wherever you are in the world with 24/7 telephone support
  • Open accounts in over 20 destinations before you move
  • Bank globally on one platform with no fees

Apply for a Premier Bank Account

Eligibility

Unlock exclusive Premier benefits by meeting one of the following criteria:

  • Annual income of £100,000+ paid into your HSBC Premier Account, or (typically, this means paying in at least £5,100 monthly)
  • Savings or investments of at least £100,000 with HSBC in the UK, or
  • You already qualify for HSBC Premier in another country

New to HSBC UK?

Download our app to apply for premier bank account Download our app to apply for premier bank account

Upgrades and joint accounts

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Lines are open from 08:00 to 20:00 every day.

Full eligibility criteria

HSBC Premier Account

Thinking about opening an HSBC Premier Account? You must meet the following:

  • Age: You're 18 years or older
  • Documentation: You can provide us with certified proof of your identity and address and 1 month's bank statements from your current bank (translated into English if appropriate)
  • Residency: You're a UK resident for the purposes of lending, savings, wealth products, travel insurance benefits, Cancer Bereavement Cover and preferential rates. This is subject to status and meeting HSBC's proof of UK address requirement
  • Income, savings or investment criteria: If you're a new customer qualifying through savings, investments, or annual income, you've got six months to meet the criteria. If you're an existing customer, make sure you meet the criteria before upgrading to Premier. For joint accounts qualifying via income, at least one person must have an individual annual income of £100,000 or more

For eligibility purposes, HSBC in the UK excludes M&S, first direct and HSBC Expat, and includes Jersey, Guernsey or Isle of Man for Channel Islands or Isle of Man.

HSBC Premier Travel Insurance

You're eligible for cover if you are:

  • Under 70 years of age when your trip starts - but when you reach 70 you'll no longer be covered by HSBC Premier Travel Insurance
  • Resident in the UK, (not including Channel Islands or Isle of Man)
  • Registered with a doctor in the UK, Channel Islands or Isle of Man and liable to pay local taxes
  • Going to start and finish your trip in the UK, Channel Islands or Isle of Man

Dependent children aged under 23 at the start of the trip will only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.

There's no cover for undiagnosed symptoms or any claim where you knew at the time of opening your HSBC Premier Bank Account, or booking your trip (whichever is later), that you or your travelling companion may be unable to travel or may need to come home early, for example for an illness of a close relative or travel companion. You must also declare any serious illness, injury or disease suffered by anyone whose health may cause you to cancel or abandon your travel plans, such as a close relative or travelling companion.

Pre-existing conditions aren't covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

For full details, please refer to our travel insurance policy document.

Online applications

If you're new to HSBC and live in the UK, you can visit us in branch or apply for a sole account online.

Before proceeding with your online application, please read the following information.

Arranged overdraft

An arranged overdraft lets you borrow money (up to an agreed limit) if there’s no money left in your account. If a payment would take you over your arranged limit (or if you don’t have one), we may let you borrow using an unarranged overdraft. It's possible that payments you try to make using an unarranged overdraft may be declined.

You can apply for an arranged overdraft when you open your account (unless you apply via the HSBC Mobile Banking app), or at any time later. You can ask to increase, remove or reduce your limit at any time in the HSBC Mobile Banking App, by phone or in branch. Your new limit can't be less than what you owe.

We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.

Overdrafts are designed for short-term borrowing only and are subject to status.

Overdraft text alerts

If we’ve got your mobile number we’ll send you an SMS text alert if you’ve gone overdrawn, or we know you’re about to. These alerts help you manage your overdraft usage to avoid being charged interest. You can opt out of overdraft text alerts by phone or in branch – but note you’ll be opting out of alerts for all your current accounts with us. If you opt out or we don’t have an up-to-date number for you, you may end up paying interest you could have avoided.

Premier Bank Account overdraft charges

The first £500 is interest-free. Anything you borrow above that, but within your arranged or unarranged overdraft limit, will be charged interest at 39.9% EAR (variable)[@ear-explanation].

The monthly cap on unarranged overdraft charges for the HSBC Premier Account is £20. Further details can be found online at our Overdrafts page.

Representative example: 0% EAR (variable) on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)[@apr-explanation]. Based on an arranged overdraft of £1,200.

How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.

To find out more, visit our Overdrafts page, where you can find out if you’re eligible for an arranged overdraft and use our overdraft cost calculator.

You may not be eligible for some account features if you remain resident outside the UK.

Joint account applications from outside the UK

If you live outside the UK, check the options available to you via our international services page.

Important documents

Current account documents

Premier Account documents

Discover the value of your benefits

Access exclusive rewards and offers to support you, whether you're growing your money, supporting your family, travelling the world, or moving abroad.
Premier benefit Annual potential value of benefit
Health check (1 per year) £79
Second medical opinion (2 per year) £500
Physiotherapy sessions (8 per year) £480
Mental health support sessions (8 per year) £520
GP appointment (based on 5 per year*) £295
Worldwide travel insurance £530.40**
Access exclusive rewards and offers to support you, whether you're growing your money, supporting your family, travelling the world, or moving abroad.
Premier benefit Health check (1 per year)
Annual potential value of benefit £79
Premier benefit Second medical opinion (2 per year)
Annual potential value of benefit £500
Premier benefit Physiotherapy sessions (8 per year)
Annual potential value of benefit £480
Premier benefit Mental health support sessions (8 per year)
Annual potential value of benefit £520
Premier benefit GP appointment (based on 5 per year*)
Annual potential value of benefit £295
Premier benefit Worldwide travel insurance
Annual potential value of benefit £530.40**

Figures are based on the maximum amount of redemptions available with the HSBC Online Health Services cover provided by Square Health. Figures correct as at December 2025.

* This is an unlimited benefit, you can make as many appointments as you need throughout the year.

** Value is based on a family of four (2 adults aged between 40 and 50 years old and 2 children aged under 23 years old) for an annual Aviva policy.

Make the most of HSBC Premier

HSBC Premier gives you more than banking with wealth, health and travel benefits, and rewards too. Access a wealth of financial support with tailored wealth solutions to help you reach your financial goals. Eligibility and fees apply. Everything is Premier when your mortgage is.

Unlock a world of travel freedom.

Representative 100.2% APR (variable), credit subject to status.

protecting your money fscs logo

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 Bank plc, HSBC Private Banking, and first direct.

Any total deposits you hold above the limit between these brands are unlikely to be covered.

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The Current Account Switch Guarantee is a service that means that the process of switching current accounts is the same, no matter which bank or building society you choose.

It’s free to use and covers most UK current accounts. You'll also be refunded any charges or interest incurred if something goes wrong.

Customer support

It's easy to answer your query online. Visit our Help page to find out how. Follow HSBC UK on Facebook This link will open in a new window Follow HSBC UK on X This link will open in a new window Follow HSBC UK on YouTube This link will open in a new window

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