HFC Bank

Yes, you can pay off your agreement when you wish. You should contact the Customer Services team for a settlement figure.

If your account was opened in the UK you can pay using online banking, BACS or by sending a cheque.

For Credit Card payments:

To pay your Credit Card using online banking or BACS, please use the sort code 40-11-62 and account number 80001112, quoting your Credit Card as the reference.

To pay your Credit Card by cheque, simply send a cheque (payable to HSBC UK bank plc) to HSBC UK bank plc, PO Box 15033, Birmingham B2 2ND. Please remember to put your Credit Card number on the reverse of the cheque.

For Loan payments:

To pay your Loan using online banking or BACS, please use the sort code 40-11-62 and account number 80001112, quoting your Loan account number as the reference.

To pay your Loan by cheque, simply send a cheque (payable to HSBC UK bank plc) to HSBC UK bank plc, PO Box 15033, Birmingham B2 2ND. Please remember to put your Loan account number on the reverse of the cheque.

For Credit Card payments:

If your account was opened in the UK you can pay your Credit Card using online banking or BACS. Please use the sort code 40-11-62 and account number 80001112, quoting your Credit Card number as the reference. 

Our IBAN number is: GB09HBUK40116280001112. Our swift code is HBUKGB4B.

For Loan payments:

If your account was opened in the UK you can pay your Loan using online banking or BACS. Please use the sort code 40-11-62 and account number 80001112, quoting your Loan account number as the reference. 

Our IBAN number is: GB09HBUK40116280001112. Our swift code is HBUKGB4B.

Please call Customer Services on 0370 010 0453 who will arrange for your details to be updated or alternatively please forward written confirmation to Customer Services, HSBC Bank Plc, PO Box 5055, Coventry, CV3 9EF

For loan accounts, HSBC is required to send you an annual statement of your account, to comply with the Consumer Credit Act. The statement shows all the payments you have made and any other transactions affecting your balance.

For credit card accounts, HSBC will send you an annual statement which shows you how you have used your account in the past 12 months, to help you manage your finances. The statement shows how you’ve been using your card and any fees, charges and interest you’ve incurred.

If you received a letter about a credit balance on your account, please call Customer Services on 0370 010 0453 who will be able to help you.

Your payment holiday meant you didn’t need to make monthly payments over the payment holiday period.

You should have received a letter from us confirming this change. There’ll be no other changes to your terms and conditions, which continued to apply during the payment holiday.

If you usually pay by Direct Debit, we won’t have collected any payments from you over this period

At the end of the payment holiday, your minimum payment will go back to the usual calculation, as set out in your current terms and conditions. This will be based on a percentage of the total amount you owe at the time. It will take into account any increase due to interest, or use of your card, during the payment holiday period. This means that when you start making payments again, your minimum payment may be higher than it was before your payment holiday. 

Interest continued to apply at the usual rates during your payment holiday, as well as standard charges (for example, if you used your card to withdraw cash). We didn’t apply any charges for going over your credit limit during the payment holiday. There were also no charges for paying late, as there were no minimum payments due over this period.

As you didn’t have to make any payments during the payment holiday period, you may not have paid off all the interest added to your account. This means there’ll be interest charged on that interest, as well as on transactions added to your account.

Your balance may also have increased if you continued to use your card during the payment holiday, so you could be paying interest on a higher amount and you may have noticed your minimum payment is higher following your payment holiday.

If you usually make the minimum or fixed payments, it’s worth considering whether you can afford a higher amount. This will reduce the extra time it could take to clear your balance, as well as the interest you’ll pay. 

Taking a payment holiday won’t have affected your credit file, but providers may consider other information when making future lending decisions.

The option to request a payment holiday has been removed in line with guidance provided by the Financial Conduct Authority. However, there’s still support available which will be tailored to your individual circumstances. It’s important to note that the options we have available are likely to impact your credit file.