Using your card in the UK, Channel Islands and Isle of Man

Pay for goods in shops and restaurants

Enjoy the convenience of using your debit or credit card in any outlet that displays the logo on your card (eg VISA).

Withdraw up to GBP 100 cashback using your debit card

When you pay with your debit card, many shops, supermarkets and other retailers offer an up to GBP 100 cashback service.

Shop safely online

Visa brings you additional security online with Verified by Visa, when you buy goods and services online using your Visa USD debit card. Please ensure you keep your mobile number up to date.

Cash withdrawals

Debit card customers can withdraw cash from any HSBC cash machine, without incurring a transaction fee. Credit card customers will be charged a cash advance fee. Also please bear in mind that unlike purchases, interest is charged from the date transactions are applied to your account until payment is received. Be aware that non-HSBC cash machines may charge a transaction fee, which will be advised on-screen at the time of withdrawal. ATM withdrawal limits are applicable.

Using your card abroad

Pay for goods in shops and restaurants worldwide

Enjoy the convenience of using your debit or credit card in any outlet that displays the logo on your card. Fees apply.

Currency convertor

Calculate the fees applied to a foreign currency payment on your visa debit card abroad.

Withdraw local currency

Whether you're away on business or on holiday, you can use your debit or credit card at cash machines abroad whenever you need extra local currency. Fees apply and non-HSBC cash machines may also charge a fee.

ATM Locator

Find out more information on where you are able to use your visa debit or credit card abroad.

Tell us you are travelling

We automatically monitor accounts for unusual foreign transactions, so let us know before you travel abroad. It only takes a few minutes to set up and it'll reduce the chance of us declining a holiday transaction on your debit or credit card.

  • Log on to online banking and select 'Notify us of travel' under the 'My banking' section of the top menu
  • HSBC Premier customers call: +44 1534 616 313
  • HSBC Advance customers call: +44 1534 616 212

Please note, if you have a joint current account you both need to notify us when using the online banking option. For credit cards, only the primary cardholder needs to give us travel notifications.

Foreign usage fees

Debit card fees abroad
Account Purchases Withdrawals
HSBC Premier

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Non-sterling transaction fee 2.75%
Non-sterling transaction fee 2.75%
Other HSBC accounts

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Non-sterling transaction fee 2.75%
Cash fee 2% (Minimum GBP 1.75, maximum GBP 5.00)

Non-sterling transaction fee 2.75%

Debit card fees abroad
Account HSBC Premier

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Purchases Non-sterling transaction fee 2.75%
Withdrawals Non-sterling transaction fee 2.75%
Account Other HSBC accounts

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Purchases Non-sterling transaction fee 2.75%
Withdrawals Cash fee 2% (Minimum GBP 1.75, maximum GBP 5.00)

Non-sterling transaction fee 2.75%

Credit card fees abroad
Credit card Purchases Withdrawals
HSBC Credit Card

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Non-sterling transaction fee 2.99%
Cash fee 2.99% (minimum GBP 3.00)

Non-sterling transaction fee 2.99%

HSBC Premier World Elite™ Mastercard®

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Non-sterling transaction fee 2.99%
Cash fee 2.99% (minimum GBP 3.00)

Non-sterling transaction fee 2.99%

HSBC Premier Credit Card

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Non-sterling transaction fee 2.99%

Cash fee 2.99% (minimum GBP 3.00)

Non-sterling transaction fee 2.99%

Credit card fees abroad
Credit card HSBC Credit Card

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Purchases Non-sterling transaction fee 2.99%
Withdrawals Cash fee 2.99% (minimum GBP 3.00)

Non-sterling transaction fee 2.99%

Credit card HSBC Premier World Elite™ Mastercard®

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Purchases Non-sterling transaction fee 2.99%
Withdrawals Cash fee 2.99% (minimum GBP 3.00)

Non-sterling transaction fee 2.99%

Credit card HSBC Premier Credit Card

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Purchases Non-sterling transaction fee 2.99%

Withdrawals Cash fee 2.99% (minimum GBP 3.00)

Non-sterling transaction fee 2.99%

Any non sterling transactions (including cash withdrawals) are converted to sterling by using the relevant payment scheme exchange rate applying 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 the latest the next working day.

Cost illustration (Visa)

Cost illustration of making a transaction abroad of EUR 100.00 using the Visa exchange rate on 6 June 2017 of 0.876855 = GBP 87.69 to which will be added the fees appropriate to your card and transaction.

Visa debit card fees per transaction
Visa debit card Fees Purchases
ATM withdrawal
Bank account
Non-sterling transaction fee

Cash fee

GBP 2.41

 

N/A

GBP 2.41

 

GBP 1.75

HSBC Advance & HSBC Premier
Non-sterling transaction fee

Cash fee

GBP 2.41

 

N/A

GBP 2.41

 

N/A

Visa debit card fees per transaction
Visa debit card Bank account
Fees Non-sterling transaction fee

Cash fee

Purchases

GBP 2.41

 

N/A

ATM withdrawal

GBP 2.41

 

GBP 1.75

Visa debit card HSBC Advance & HSBC Premier
Fees Non-sterling transaction fee

Cash fee

Purchases

GBP 2.41

 

N/A

ATM withdrawal

GBP 2.41

 

N/A

Visa credit card fees per transaction
Visa credit card
Fees Purchases ATM withdrawal
HSBC Credit Card

Non-sterling transaction fee

Cash fee

GBP 2.62

N/A

GBP 2.62

GBP 3.00

Visa credit card fees per transaction
Visa credit card
HSBC Credit Card
Fees

Non-sterling transaction fee

Cash fee

Purchases GBP 2.62

N/A

ATM withdrawal GBP 2.62

GBP 3.00

See more information on the rate of exchange Visa used when converting your transaction.

Cost illustration (Mastercard)

Cost illustration of making a non-sterling transaction of EUR 100.00 using the Mastercard exchange rate on 5 June 2017 of 0.875944 = GBP 87.59 to which will be added the fees appropriate to your card and transaction.

See more information on the rate of exchange Mastercard used when converting your transaction.

Card fees per transaction
Mastercard Credit Card
Fees Purchases ATM withdrawal
HSBC Premier Credit Card
Non-sterling transaction fee

Cash fee

GBP 2.62

N/A

GBP 2.62

GBP 3.00

HSBC Premier World Elite™ Mastercard®
Non-sterling transaction fee

Cash fee

GBP 2.62

N/A

GBP 2.62

GBP 3.00

Card fees per transaction
Mastercard Credit Card
HSBC Premier Credit Card
Fees Non-sterling transaction fee

Cash fee

Purchases GBP 2.62

N/A

ATM withdrawal GBP 2.62

GBP 3.00

Mastercard Credit Card
HSBC Premier World Elite™ Mastercard®
Fees Non-sterling transaction fee

Cash fee

Purchases GBP 2.62

N/A

ATM withdrawal GBP 2.62

GBP 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 and this will be advised on-screen at the time of withdrawal. ATM withdrawal limits are applicable.

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 the next working day.