HSBC Premier Account | Premier Banking

Trang chủ » Hsbc Gold Account Uk » HSBC Premier Account | Premier Banking

Có thể bạn quan tâm

Top of main content

Premier Bank Account

HSBC Premier is our premium account that gives you more than banking with wealth, health and travel benefits, and rewards too. Apply now
Open a Premier Bank Account today. Apply now and apply for Premier
  1. HSBC UK
  2. Current accounts
  3. Products
  4. Premier Bank Account

Everything's Premier when your bank account is

Unlock a world of benefits with no monthly fee. Certain financial and other eligibility criteria apply.

Travel

Give you and your family peace of mind with HSBC Premier Worldwide Travel Insurance[@premier-travel-insurance] and more.

Health

Access a range of health benefits for you and your family[@online-health-services], and look after more than just your money.

International

Save time, effort and money when you manage your finances across multiple borders.

Wealth

Plan for your future with exclusive support that’s tailored to you (fees and eligibility apply).

Exclusive Premier rewards and offers

As an HSBC Premier customer you’ll unlock benefits beyond banking. Enjoy discounts across a select range of restaurants, retailers and travel bookings.

  • Unlock unlimited airport lounge access and security fast track when you apply for the Premier World Elite Mastercard. Plus, receive 40,000 reward points when you spend[@eligible-spend-excludes] £2,000 in your first 90 days of card membership[@premier-world-elite-welcome-offer]. Representative 100.2% APR (variable), credit subject to status, APR inclusive of annual fee. T&Cs apply.
  • Open a world of exclusive offers, discounts and other benefits with our Premier Partner offers.

Discover how Premier gives you more

  • Travel
  • Health
  • International
  • Wealth

Upgrade your travel experience with HSBC Premier.

  • Give you and your family peace of mind with HSBC Premier Worldwide Travel Insurance[@premier-travel-insurance]
  • Spend, send and receive money around the world and access HSBC UK’s best exchange rates together with our Global Money Account[@global-money-condition] with no HSBC fees (non-HSBC fees may apply)
  • Enjoy a range of global discounts, travel benefits and lifestyle offers (financial and other eligibility criteria apply)
  • Get a replacement card within 36 hours and up to $2,000 in emergency cash transfers if you lose your credit card abroad

Look after your health as well as your wealth.

  • Access a range of online health services[@online-health-services], including digital GP appointments, mental health support, plus 2 second opinions a year for you and your family - learn about our range of online health services.
  • Health benefits are available alongside Cancer Bereavement Cover[@cancer-cover], which provides £2,000 if you were to pass away from a cancer related cause and it's been at least 12 months since the policy started (UK residents only) - find out how you're automatically covered with Premier.

Make it easier to manage your money across borders.

  • Relax knowing if anything goes wrong you can call us 24/7 wherever you are
  • Open an account before relocating in over 20 destinations and take advantage of your Premier status in select countries and regions
  • See all your worldwide HSBC accounts in one place and make transfers between them with no HSBC fees with Global View
  • Explore ways to pay for your international lifestyle and bring your credit history from selected countries when you apply for a credit card - 26.9% APR (variable) representative, credit subject to status
  • Get support at every step when purchasing international property with help from our mortgage specialists and property partners (fees may apply)

Plan for today and tomorrow with support from your dedicated team of specialists.

  • Get support from our wealth specialists with tailored wealth solutions (UK residents only)
  • Enjoy preferential terms on a range of products and services
  • Make big plans then get practical steps to help put them into action with our Future Planner tool, exclusive to Premier customers
  • Remember, the value of investments can go down as well as up, so you may not get back what you invest

Travel

Upgrade your travel experience with HSBC Premier.

  • Give you and your family peace of mind with HSBC Premier Worldwide Travel Insurance[@premier-travel-insurance]
  • Spend, send and receive money around the world and access HSBC UK’s best exchange rates together with our Global Money Account[@global-money-condition] with no HSBC fees (non-HSBC fees may apply)
  • Enjoy a range of global discounts, travel benefits and lifestyle offers (financial and other eligibility criteria apply)
  • Get a replacement card within 36 hours and up to $2,000 in emergency cash transfers if you lose your credit card abroad

Health

Look after your health as well as your wealth.

  • Access a range of online health services[@online-health-services], including digital GP appointments, mental health support, plus 2 second opinions a year for you and your family - learn about our range of online health services.
  • Health benefits are available alongside Cancer Bereavement Cover[@cancer-cover], which provides £2,000 if you were to pass away from a cancer related cause and it's been at least 12 months since the policy started (UK residents only) - find out how you're automatically covered with Premier.

International

Make it easier to manage your money across borders.

  • Relax knowing if anything goes wrong you can call us 24/7 wherever you are
  • Open an account before relocating in over 20 destinations and take advantage of your Premier status in select countries and regions
  • See all your worldwide HSBC accounts in one place and make transfers between them with no HSBC fees with Global View
  • Explore ways to pay for your international lifestyle and bring your credit history from selected countries when you apply for a credit card - 26.9% APR (variable) representative, credit subject to status
  • Get support at every step when purchasing international property with help from our mortgage specialists and property partners (fees may apply)

Wealth

Plan for today and tomorrow with support from your dedicated team of specialists.

  • Get support from our wealth specialists with tailored wealth solutions (UK residents only)
  • Enjoy preferential terms on a range of products and services
  • Make big plans then get practical steps to help put them into action with our Future Planner tool, exclusive to Premier customers
  • Remember, the value of investments can go down as well as up, so you may not get back what you invest
Logo of FSCS - Protecting your money

Who can apply?

You can apply for an HSBC Premier Account if you meet ONE of these criteria:

Annual income

You have an individual annual income of at least £100,000, and pay it into your HSBC Premier Bank Account.

Savings or investments

You have savings or investments of at least £100,000 with HSBC in the UK. Exclusions apply, see full eligibility criteria.

International Premier status

You already qualify for HSBC Premier in another country.

Full eligibility criteria

HSBC Premier Account

If you'd like to open an HSBC Premier Account, you must fulfil all the following:

  • You're 18 years or older
  • 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)
  • You're a UK resident for the purposes of lending, savings, travel insurance benefits, Cancer Bereavement Cover and preferential rates - this is subject to status and meeting HSBC's proof of UK address requirement

New customers qualifying via savings or investments, or individual annual income, have six months to meet the criteria.

Existing customers must meet the criteria prior to being upgraded to Premier.

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

For the income criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £100,000.

HSBC Premier Travel Insurance

You're eligible for cover if you're:

  • 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

Other things to consider:

Are there any dependent children aged under 18 at the start of the trip, or under 23 if they are in full-time education and live with you outside term time? If so they'll 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.

You'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months have:

  • Been prescribed medication
  • Received or are awaiting medical treatment, tests or investigations
  • Been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the 'Your Health' section in the policy booklet

You should also tell us before you travel if there's been any changes to your health, or you've been referred to a consultant or specialist, or admitted to hospital.

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.

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.

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 medical conditions aren't covered at any time under the policy unless they've been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

Important documents

Apply for a Premier Bank Account

New to HSBC UK?

If you're not an existing HSBC UK customer, you can apply for a sole account in our app.

Apply in app for a Premier account

If you live in the UK you can also apply for a sole account online.

If you'd like a joint account visit us in branch, or book an appointment with our specialist product team on 03457 404 404.

Lines are open from 08:00 to 18:00 every day.

Already an HSBC customer?

If you have another HSBC UK product or account, book an appointment with our specialist product team.

To book call us on:

03457 404 404

Lines are open from 08:00 to 18:00 every day.

Or visit us in branch.

Things to know before you apply online

Arranged overdraft

An arranged overdraft lets you borrow money (up to an agreed limit) if there’s no money left in your account. Useful if you're hit with an unexpected bill.

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.

Apply for a sole account online

Want to open a joint account but you live outside of the UK?

If you live outside the UK and you're interested in applying for a joint account, check the options available to you via our international services page.

Need further help?

If you can’t find what you need online you can speak to our live chat agents.

Or, if you have a speech or hearing impairment contact us on our textphone service.

You might also be interested in

Our range of rewards and global offers gives you more of the things you care about. Unlock a world of travel freedom. Representative 100.2% APR (variable), credit subject to status. HSBC Premier is our premium account that gives you more than banking with wealth, health and travel benefits, and rewards too. Additional information Back to top

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

Từ khóa » Hsbc Gold Account Uk