Superior service and support

We want to make it easier for you to run your business, that's why we're proud to win the Business Moneyfacts Award for 'Best Service from a Business Bank' for a third year running.

Expert guidance when you need it

• To talk about your business needs and how HSBC can help
• Access our dedicated UK based telephone service and speak to a Business Specialist 8am – 10pm seven days a week³
• Take advantage of regular reviews to make sure you're getting the most from your business and personal finances.

Banking on the phone, online and in branch

• 24/7⁴ automated telephone banking and award–winning internet banking service
• Over 1,000 branches across the UK
• Text Message banking for instant updates when payments are made or you're close to a limit.

Valuable online resources

• Knowledge Centre online guidance, checklists and tools to help you run and grow your business
• Business matters receive our monthly e–newsletter full of key business news and practical guidance straight to your inbox

Free business banking - eligibility

We understand that great value is important to you, so when you move your business bank accounts to HBSC, you will receive a business banking package to meet your business needs.

• If your turnover is less than £500,000, you'll get 6 months free business banking.
• If your turnover is between £500,000 and £2m, you will benefit from a business banking package to meet your business needs. This is agreed with your Local Business Manager on an individual basis and might include a free banking period.

Free banking means:

• No account fees
• Free cash withdrawals
• Free to make payments by cheque, Business Debit Card, Direct Debit Standing Order or our Bill Payments Service
• Free to receive payments
• You can also apply for our business credit card that's fee free for 12 months.

In order to take advantage of any free banking that may apply, all we require is that you choose our Business Current Account - Small Business Tariff or Business Direct. The applicable account tariff comes into effect when your free business banking period (if any) ends.

• Rates and charges

  If you are eligible for free business banking, we will not charge you for the provision of our standard account services set out in the table below during the free business banking period

  Standard account services	Description	Cost
  Account maintenance Fee	A monthly charge for the provision of a business current account	Free
  Automated credits	An electronic credit paid into your account	Free
  Bill Payment	A Bill Payment which is debited to your account via our telephone banking service and credited to a recipient. Does not include Bill Payments debited to your account via a branch or a postal instruction	Free
  Branch credits	Credits paid in over branch counter (containing cash and/or cheques)	Free
  Branch cash in	Charge for cash paid in at a branch	Free
  Branch cheque collected	Charge for cheques paid in at a branch	Free
  Branch counter withdrawal	Cash withdrawal over branch counter (ie when cashing a cheque)	Free
  Branch cash out	Charge for cash withdrawal over branch counter	Free
  Cash machine withdrawal	Charge for debit associated with a cash withdrawal from a self-service machine (i.e. one debit per withdrawal)	Free *
  Cash machine cash out	Charge for cash amount withdrawn from self–service machine	Free *
  Cheques paid	Cheques written	Free
  Debit Card	A debit to your account following a Business Debit Card payment	Free
  Direct Debit paid/unpaid	A Direct Debit payment made from or returned to your account	Free
  Internal transfer	A sterling transfer from one of your accounts to another of your accounts in the same name	Free
  Internet Bill Payment	A Bill Payment made through Business Internet Banking	Free
  Business Internet Banking BACS Payment	Charge for each BACS Payment credited to a beneficiary made through Business Internet Banking	Free
  Other debits	Other types of debit applied to your account (excluding Faster Payments, Electronic Funds Transfers, Priority Payments and Worldpay payments)	Free
  Standing Order	A Standing Order payment made from your account	Free

  
  

  * This is for UK transactions only. Some self–service operators may charge a levy.

Switching made easy

When you change banks we know you want to stay focused on your business. That's why we make moving your business bank account to HSBC quick and easy.

All you need to do is contact us to get things underway and later on check we've got all the details correct.

• See the steps we'll take to move your account to us

  Step 1	You start the move to HSBC You contact us to discuss your plans and set a date the account will be open by. To help us you'll need suitable identification and your most recent bank statement.
  Step 2	We open your account We'll open your new accounts, order your cheque book and business cards as applicable and arrange other services if you want them We'll ask you to sign an authority which allows us to obtain your Standing Order and Direct Debit details from your old bank. We will transfer your account on a date agreed with you.
  Step 3	Your old bank sends us Direct Debit and Standing Order details Your old bank should forward details of Standing Orders and Direct Debits to us within three working days of receiving a request from us.
  Step 4	We send you Direct Debit and Standing Order details We'll send you details of the Standing Orders and Direct Debits received by your old bank to be paid from your new HSBC account.
  Step 5	You check details You check the Standing Order and Direct Debit information we have received and sent to you, and let us know straight away of any changes by contacting us on 08457 60 60 60 If no changes are required you don't need to call us.
  Step 6	We set up new Direct Debits and Standing Orders We'll set up new Standing Order mandates and advise Direct Debit originators of your change of bank details in sufficient time to meet your agreed transfer date We'll liaise with your old bank to arrange the transfer of funds and any loans and overdrafts.
  Step 7	Your old bank transfers funds and closes your old account Credit and nil balances – Your old bank should transfer funds and close your account within five working days following receipt of an authorised request from you or us Debit balances – Your old bank should close your account within five working days following receipt of sufficient cleared funds from you or us
  Step 8	We transfer funds for debit balances For debit balances only we will transfer sufficient funds within two working days following advice from your old bank
  Step 9	We confirm everything is complete We'll contact you to confirm your funds have been transferred We'll contact you to confirm your Standing Orders and Direct Debits have been successfully transferred

It takes less time than you think
We aim to complete your move to us within two weeks. If your old bank doesn't provide documentation or delays, we'll call you to let you know what we're doing to resolve the problem.

We can switch your borrowing too

• We can usually switch your borrowing/security for free and will match your overdraft rate up to £30,000⁵
• If you have a credit card, savings account, insurance or any other financial product with your current bank, let us know and we can set up the best HSBC solution for you. You can move them over to HSBC when it suits you.