Making payments easy
Send money to friends and family up to your account's personal payment limit with online and mobile banking – the fastest and most secure way to make payments.
Pay companies up to £50,000, with higher limits available for Premier and Private Banking accounts. If you're under 18, the limit is £25,000. If you need any help, check out these guides and frequently asked questions.
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Pay a company or credit card
To make things easier, we've pre-filled the account details for hundreds of major companies. If you're paying a credit card or utility bill, try searching our company list first. If the company you're paying isn't included, you'll need to add them as a new payee.
Using the mobile banking app
1. Go to 'Pay & Transfer'
Log on, select 'Pay & Transfer', then 'Make a payment or transfer'.
2. Select your account
Choose the account you'd like to send the money from, then select 'My payees'.
3. Add a new payee
Choose 'Add a new payee', go to 'Select a company', then select 'Next'.
4. Find the company
Search for the company, then follow the on-screen instructions to complete the payment.
Using online banking
1. Log on
Log on to online banking.
2. Select 'Pay & Transfer'
Choose 'Pay and transfer' from the quick links section.
3. Select your account
Tell us which account you want to make the payment from.
4. Find the company
Select 'Using our company look-up'. Select the company and follow the on-screen instructions.
Pay someone new
If you're paying family, friends or anyone else for the first time, just ask them for their sort code and account number, then follow these instructions.
Using the mobile banking app
1. Go to 'Pay & Transfer'
Log on, select 'Pay & Transfer', then 'Make a payment or transfer'.
2. Select your account
Choose the account you'd like to send the money from, then select the 'My Payees' tab.
3. Add the payee
Select 'Add a new payee' twice, and then 'Next'.
4. Follow the on-screen instructions
Follow the on-screen instructions to complete the payment.
Using online banking
1. Go to 'Pay & Transfer'
Log on to online banking and select 'Pay and transfer' from the quick links section.
2. Choose your account
Tell us which account you want to make the payment from.
3. Add details
Select 'A new payee' then tell us the currency and country the payment is going to.
4. Follow the on-screen instructions
Follow the on-screen instructions to complete your payment.
Transfer money between your HSBC accounts
Whether you want to send money to your savings account or pay your HSBC credit card, here's how to move money between your HSBC accounts.
Using the mobile banking app
1. Log on
Log on to the HSBC Mobile Banking app.
2. Go to 'Pay & Transfer'
Select 'Pay and transfer', then 'Make a payment or transfer'.
3. Select accounts
Choose the account you'd like to transfer the money from, and the one you want to transfer the money to.
4. Follow the on-screen instructions
Follow the on-screen instructions to complete the payment.
Using online banking
1. Go to 'Pay & Transfer'
Log on and select 'Pay and transfer' from the quick links section.
2. Select your account
Choose the account you want to transfer money from, and in the 'To' section, select 'Your own HSBC accounts'.
3. Select the account you're transferring to
Tell us where you'd like to send the money.
4. Follow the on-screen instructions
Follow the on-screen instructions to complete the transfer.
Sending money outside the UK
If you're looking to send money outside the UK, please visit our international payments page for charges, rates and more information.
Send money to someone you've paid before
Once you've sent money to someone, their details will be added to your list of payees. Payees are removed from your list of payees and need to be added again if you haven't sent them money in the last 13 months.
To send money to someone on your list of payees follow these steps:
Using the mobile banking app
1. Log on
Log on to the HSBC Mobile Banking app.
2. Go to 'Pay & Transfer'
Select 'Pay and transfer', then 'Make a payment or transfer'.
3. Choose your account
Tell us which account you want to make the payment from.
4. Select the payee
Choose the person you want to pay from the 'My payees' list. Then follow the on-screen instructions to complete the payment.
Using online banking
1. Log on
Log on and select 'Pay & Transfer' from the quick links section.
2. Select your account
Choose the account you want to transfer money from, and in the 'To' section, select 'Your saved payees'.
3. Select the payee
Tell us who you want to send the money to.
4. Follow the on-screen instructions
Follow the on-screen instructions to complete the transfer.
Generate a transaction code with your Mobile Banking PIN or physical Secure Key
When you're using online banking to send money to a new payee, we'll ask you to authorise the transaction by generating a one-time transaction code on your mobile banking app or physical Secure Key. Here's how to do it.
Using a Mobile Banking PIN
1. Select 'Generate security code'
Open the app, but don't log on. Select 'Generate security code' at the bottom of the screen.
2. Select code type
Select 'Transaction security code' from the list.
3. Enter payment details
Enter the last 4 digits of the account number you're sending money to, along with the full payment amount, including pence. For example, if you were paying £152.00 to account number 400500 12345678, you would enter 567815200.
4. Enter transaction code
A 6-digit code will be generated. Enter this into the 'Security code' box in online banking and select 'Continue' to complete the payment.
Using a physical Secure Key
1. Enter your PIN
Press and hold the round, green button (bottom right) to switch on, then enter your PIN.
2. Enter last 4 digits of account or card number
When the screen shows 'HSBC', press the square, yellow button (bottom left). Then enter the last 4 digits of the account number, company reference or credit card number, ignoring any letters or special characters.
3. Enter amount
Enter the payment amount including pence, ignoring the decimal point. Note: If you input more than 8 numbers they will start dropping off the end of the display, but don't worry, they've been registered.
4. Generate your code
Press the square, yellow button again to generate your transaction code.
5. Enter code
Enter the 6-digit transaction code in online banking and select 'Continue' to complete your payment.
Other types of payment
UK payments above your digital payment limit are usually sent as a CHAPS payment. You can do this over the phone, in branch, or by post.
If you're not sure what your daily payment limits are, you can find out in our FAQ.
To make a CHAPS payment in branch, you'll need to bring valid ID and the details of the person you want to pay. You can make the payment with telephone banking using your Telephone Security Number or Voice ID.
Find out more about CHAPS payments.
Personal payment limits
You can personalise your payment limits in the HSBC UK Mobile Banking app. These limits will apply when you transfer money through online and mobile banking to friends and family.
Find out more about increasing or decreasing your personal payment limits.
Frequently asked questions
Explore more
Confirmation of payee
Helping you make sure your payee is a perfect match.
Mobile banking
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Branch banking
Find your nearest branch and learn more about what you can do there.
Telephone banking
Sometimes it's good to talk. Find out what we can help with over the phone and how to get in touch.