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Joint bank accounts

Compare our bank accounts for managing shared finances

Find your perfect joint bank account

Take care of shared bills and household expenses with friends or partners, by opening a joint account. You’ll both be able to access your account, make payments and share the rewards and benefits of banking with HSBC.

Why get a joint current account with HSBC?

  • Hassle-free switching
  • No monthly account fee
  • VISA debit card with contactless payments, subject to status
  • Manage your money anytime with online banking and our mobile banking app
current account switch guarantee

Adding someone else to your existing current account

If you want to add someone else to your existing account, you'll both need to visit your nearest branch together.

Both of you should bring one form of photo ID and one proof of address. Find out which documents we accept.

You'll need to book an appointment at one of our branches. The appointment will last around 1.5 hours. You can find your nearest branch and book an appointment using our branch finder.

Sorry, but you can't add someone else to any of these accounts:

  • ISAs
  • Student Accounts
  • HSBC Expat personal accounts
  • HSBC Currency Accounts
  • Online Bonus Savers
  • Products which are no longer on sale 
  • Accounts previously converted from joint to sole
  • Existing joint accounts

Our best current accounts for everyday banking

  Bank Account
Advance Bank Account
Premier Bank Account
Switching offers Not at this time Not at this time Not at this time
Arranged overdrafts, subject to status

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. 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.

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

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. 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.

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

Representative example: 0% EAR (variable)2 on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)3. 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.

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

Additional benefits
  • £300 daily ATM cash withdrawals
  • worldwide support services
  • £500 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • exclusive family benefits
  • worldwide support services
  • £1,000 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Premier Relationship Management Service
  • complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
Additional information Financial eligibility criteria and terms and conditions apply. Financial eligibility criteria and terms and conditions apply. Financial eligibility criteria and terms and conditions apply.
  View Bank Account View Advance Bank Account View Premier Bank Account

Our best current accounts for everyday banking

  Switching offers
Bank Account
Not at this time
Advance Bank Account
Not at this time
Premier Bank Account
Not at this time
  Arranged overdrafts, subject to status
Bank Account

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. 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.

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

Advance Bank Account

Representative example: 0% EAR (variable)2 on the first £25, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 38.9% APR (variable)3. 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.

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

Premier Bank Account

Representative example: 0% EAR (variable)2 on the first £500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)3. 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.

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

  Additional benefits
Bank Account
  • £300 daily ATM cash withdrawals
Advance Bank Account
  • worldwide support services
  • £500 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
Premier Bank Account
  • exclusive family benefits
  • worldwide support services
  • £1,000 daily ATM cash withdrawals
  • ATM cash withdrawals outside the UK have no HSBC non-sterling cash fees (a non-sterling transaction fee of 2.75% still applies)
  • Premier Relationship Management Service
  • complimentary Worldwide Travel cover provided by Aviva Insurance Ltd, UK Resident under the age of 70
  Additional information
Bank Account
Financial eligibility criteria and terms and conditions apply.
Advance Bank Account
Financial eligibility criteria and terms and conditions apply.
Premier Bank Account
Financial eligibility criteria and terms and conditions apply.
   
Bank Account
View Bank Account
Advance Bank Account
View Advance Bank Account
Premier Bank Account
View Premier Bank Account

If we accept your request to defer your repayments, we’ll record this arrangement to make sure it doesn’t impact your credit file. 

If you haven’t arranged to defer your repayments and you miss one, your credit file could be impacted. If you’re not able to make your repayments, please complete and submit our online form as soon as possible.

If we need to speak with you, or if your circumstances mean your credit file may be impacted, we’ll contact you to discuss your options.

Frequently asked questions

1. EAR (Effective Annual Rate) takes account of the interest rate, the compounding of interest and how often interest is charged. It doesn’t include any other fees or charges. Back to our current accounts

2. APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest-free amount. Back to our current accounts

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