Banking Basics

Contents
Page

Accessible Banking Options 3

What You Can Do and Where 4

Glossary5

Paying in Cash in a Branch 8

Paying in a Cheque through Your Banking App 10

Paying in a Cheque in a Branch 11

Taking Money Out of Your Account 13

Using Your Debit Card or Credit Card 15

Making a Payment 16

Banking at the Post Office 20

Direct Debits 22

Standing Orders 23

Paying-in Slip 24

Withdrawal Slip 25

Your Savings 26

Keeping Your Money Safe 27

Additional Help and Information 28

 3

Accessible Banking Options

If you’d like this document in another format such as large print, Braille or audio,
please contact us. A textphone service is also available for customers with hearing
and/or speech impairments. If you use your own textphone you can call us on
03457125563 (+44 207 088 2077 from overseas).

The below services are available to our customers.

® A textphone service for customers with hearing and/or speech impairments on

03457 125 563 (+44 207 088 2077 from overseas)
® Statements and/or correspondence in Braille, Audio and Large Print
® Cheque, paying-in slip and card templates
® Hearing loops in branches for hearing aid users
® Sign language interpreter, speech to text translation or lipspeaker services
® Calls via the Text Relay service
® Chip-and-signature cards – if you have trouble using a chip-and-PIN card, you can
have a chip-and-signature card
® Large Secure Key for your Online Banking log in. It has bigger keys and a bigger
display with spoken instructions

Note: British Sign Language Video Relay Service is available from Monday-Friday,
8am-6pm, (not on Bank and Public Holidays) at hsbc.co.uk/accessibility
4

What You Can Do and Where

This table shows what you can do with your account and the options of where
you can do it.

What You Can Do Where You Can Do It

Branch Internet Telephone Mobile Self- Post

Banking Banking Banking Service Office
Machine

Pay in Cash

Pay in a Cheque

Take out Cash

To set up a Direct Debit, you will need to contact

Set up Direct Debit the company you want to pay directly.

Cancel Direct Debit

Set up or Cancel a
Standing Order

Pay a Bill

Change Your PIN

Number

Check How Much

Money is in Your
Account

Move Money
between Your
Accounts

Send Money to
Someone You
Know

Speak to Someone
about Your Account
 5

Glossary
Types of Accounts

Current Account Savings Account

A current account is where you put A savings account is where you
the money you use every day. You keep the money you don’t need
can use it to go shopping using your straight away. You can earn interest
debit card and pay your bills. on the money you have in this
account.

Types of Borrowing

Credit Card Personal Loan

A credit card lets you pay for things A personal loan is money you
in shops and online. You get a bill borrow from the bank and pay back
every month that will tell you how every month. You borrow the money
much you need to pay back. over a set amount of time and you
will pay interest on it. This means
You might pay interest on the money you pay more back to the bank than
you borrow if you do not pay back in you borrow.
full each month.

Mortgage Overdraft
A mortgage is a loan used to buy This is money you can borrow when
a home. The money you borrow you have no money in your current
is over a set amount of time and account. You will pay back the
you will pay more back to the bank overdraft when you put money back
than you borrow because you will into your account. You might pay
pay interest. If you didn’t make interest on the money you borrow.
payments to this loan every month
there is a risk you would lose your
home.
6

Glossary
Glossary
Glossary
Glossary
Savings Interest
Sav i n gs In t erest
This is extra money
Savinyou earn
gs In terewhen
st
you keep your money in a savings
This is extra
S nmoney eyou earn
account,
Thisand
is itaisviusually
extra
gs Intpaid
money
restinto
you earnin a
when you
your savings keep once
account your money
a month. 5p
when you
savings keep your
account, and money in a 10p
This is extra money youit earn
is usually 5p
savings
paid
when into account,
you your
and itaccount
keepsavings
your money
is usually
in a
10p
paid into your savings account 5p
once a month.
savings account, and it is usually 10p
once a month.
paid into your savings account £1
£1
once a month.
£1

L en di n g In t erest For example:

Lending
LendInterest
ing Interest For example:
you borrow you pay back
For example:
WhenWhen you
Lenborrow
you borrow difrom
ng Inthetfrom stthe
erebank, you borrow
£3 you £3.05
pay back
When
bank, you
you borrow
payas more from
back the
as a
you pay more back a charge for £3 £3.05
bank, you
charge for pay more back
borrowing the as a
money. you borrow you pay back
borrowing
Whentheyoumoney.
borrowThe frombankthewill £1 £1
charge
The bankforwill
borrowing
tell you the money.
how much £3 £1 £3.05
tell you how
bank, much
you payyou more will need
back astoa £1
The
you
pay back. bank
will will
need tell
to you
pay how
back. much £1 £1
charge for borrowing the money. £1 £1
you will need to pay back. £1 £1 5p
The bank will tell you how much
5p
you will need to pay back. £1 £1 £1 £1
£1 £1 5p
£1 £1

Ch equ e
Ch equ e
A cheque is Cahway
Cheque equeof taking
A
money out of your of
cheque is a way takingand
account
money
A cheque out
is asomeone
way of your account
If youand
Apaying
cheque is aof waytaking
else. money
of taking get
paying
out ofmoney
ayour someone
account
cheque and else. If you
paying this get
outfromof yoursomeone,
account and
a cheque
someone
can else. Iffrom
besomeone
paid you someone,
intoget a cheque
your bank this
paying else. If you get
can be paid
from asomeone,
account. Itthis into
can
takes your bankinto
be paid
few days before
cheque from someone, this
account.
your bank
the be It
account.
money takes few
It takes days
few before
fordays
can paid is intoavailable
your bank you to
the
themoney
beforeuse. moneyisisavailable
availableforfor you
you to
account. It takes few days before
to use.use.
the money is available for you to
use.

5 PUBLIC
5 PUBLIC
 7

Glossary
Glossary
Glossary
Glossary
Glossary
Debit
DebCard
i t C ard
Debi t C ard D E BI T C ARD
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PIN number.
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usually sent to you monthly either
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on internet banking or in the post.
the post. C r e di t C ar d St at e me n t
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Your statement will show you
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6 PUBLIC
6 PUBLIC

6 PUBLIC
8

Paying
Paying in Cash
in Cash in a in Branch
a Branch
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You can ininin
in
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inCash
at ininin
a branch aathe
ausing Branch
inaBranch
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counter or a paying-in machine.
You can pay money in at a branch using the counter or a paying-in machine.
You You
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can
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atinain
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What you will need:

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05/20

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DEBIT CARD

2MakeMake sure your notes are flat, 4 The machine will count the
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7 PUBLIC
7 7 77 PUBLIC
PUBLIC PUBLIC
PUBLIC
 9

Paying
Paying in Cash
in Cash in ainBranch
a Branch

Paying
Paying cashcash
in atin
a at a branch
branch counter
counter

20

What you will need:

® AWhat
paying-in slipneed:
you will
® Your
u Aidentification
paying-in slip
® Your sortidentification
u Your code and account number
u Your sort code and account number

Steps

1
S tepup
Pick s a paying-in slip from near the counter. You can ask a member of staff if
there are not any there.
1 Pick up a paying-in slip from near the counter. You can ask a member of
staff if there are not any there.

22 Fill in your paying-in slip as shown on the picture on page 24. You can ask a
memberFill inofyour
staffpaying-in
for help ifslip
youasneed
shown
to. on the picture on page 23. You can ask a
member of staff for help if you need to.

3 3
GiveGive
money
youryour
your money
and
money
money
checkand
and paying-in
and paying-in
check
with
slip toslip
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to
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it in to yourYour
bankmoney willYour
account. be inmoney
your account
will be straight away. straight
in your account
away.

Note: You can only pay cash into your own bank account.

8 PUBLIC
Note: You can only pay cash into your own bank account.
10

Paying
PayingininaaCheque
Chequethrough Your
through Banking
Your
App
Banking App

What you will need:

What you will need:
u A smart phone with camera and internet access
® A smart phone with camera and internet access
u The cheque you want to pay in
® The cheque you want to pay in
Steps

1 Log in to your mobile banking

Steps
app and choose the ‘Move
4 Press ‘Continue’.

1 Log in to option.
Money’
and
your mobile banking
Choose
choose the ‘Move Money’
a Cheque”.
app
“Deposit
option. Choose “Deposit a Cheque”.
4 Press ‘Continue’.

2 Choose the account you want to

5 If the information on the phone

2
pay the cheque into and type in
Choose the account
the amount
pay
written you want to
on the
the cheque into and type in the
5 If the matches
screen information on is
what theonphone
cheque, press ‘Deposit’. Youthe
screen
cheque,
matches what is on
the

cheque. must keeppress ‘Deposit’.

the cheque untilYou
themust
amount written on the cheque. keep the
money hascheque until
gone into the money
your
has gone into your account.
3 Take a picture of the front and
back of the cheque. The outline
account.

3 Take
ofonce
a picture
of the chequeofwill
the cheque.
cheque
theturn
front
Theisoutline
the picture
and back
green
ready.of the
Then
will turn green once the
press “Use”.
picture is ready. Then press “Use”.

When can you spend the money?

The money from the cheque will be in your account in 2 working days. You can
use online banking and mobile banking to check that the money is in your
When can you spend the money?
account.
The money from the cheque will be in your account in 2 working days. You can use
online banking and mobile banking to check that the money is in your account.
9 PUBLIC
 11

Paying in a Cheque in a Branch

Paying in a Cheque in a Branch
Paying in a Cheque in a Branch
Paying in cheque at the paying-in machine
Paying in cheque at the paying-in machine
Paying
What in cheque
you will need: at the paying-in machine
What you will need:
u Your debit card
® Your debit
What youcard
will need:
u A paying-in slip
® A u
paying-in slip card
Your debit
u A paying-in slip
Steps
Steps
1FillSteps
Fill in your paying-in slip as
3 Put the paying-in slip on top of

1 on1theFillpicture
in your paying-in
in your
slip as shown
shown on the picture on page 23.
onpaying-in
page 24. slip as 33facing
Putcheque
the the paying-in
thePut
cheque
slipwriting
with the
withThere
upwards.
on top of
the writing
the paying-in
upwards. There will
willonbefacing
slip
be a
a of
top
shown on the picture on page 23. picture
the on the screen
cheque with the help you.on
picture
to writing
the screen to help you.
facing upwards. There will be a
2 Put your card into the machine. picture on the screen to help you.
2 Put your card into the machine.

2 Put your card into the machine.

1234
A LIVINGSON
40 -00 -00 10000000

0000
THRU„
VAL ID

0000 000 0

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05/20

DEBIT CARD
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The machine will take the cheque

4
05/20

DEBIT CARD

and paying-in slip. It will ask you

on the
Thescreen
number
machineto confirm
of cheques
and paying-in
will takethe
you
slip. It are
the cheque
will ask you
4
paying in. screen to confirm the
Theon the
54
machine will take the cheque
Press ‘Confirm’
number of andItthe
and paying-in cheques
slip. machine
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the screen to confirm the number ofa
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Press
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will give
and
paying
and paying-in
you your card
in. machine
slip. and a 5
When can you spend the money? receipt with a picture of the

When can you spend the money?

Press
The money will not be in your account straight will
away
‘Confirm’
cheque
give
withmoney
Please ask a member of staff to tell you when the
you you
when
a picture
willof
and the machine
and paying-in
yourpay
carda and
bethe
slip.
cheque
in cheque
a receipt
and
your account.
in. 5
paying-in
The money will not be in your account straight away slip.
when you pay a cheque in.
WhenPlease askspend
can you a member of staff to tell you when the money will be in your account.
the money? 10 PUBLIC
The money will not be in your account straight away when you pay a cheque in.
Please ask a member of staff to tell you when the money will be in your account.
10 PUBLIC
12

Paying in a Cheque in a Branch

Paying in a Cheque in a Branch
Paying in a cheque at the counter

What you will need:

® A paying-in
Paying slip at the counter
in a cheque
® Your identification
®What
Youryou will
sort need:
code and account number
u A paying-in slip
u Your identification
Steps
u Your sort code and account number

1 Pick up a paying-in slip near the counter. You can ask a member of staff if there
are not any there.
Steps

1 Fillthere
Pick up a paying-in slip near the counter. You can ask a member of staff if

2 are not
in your any there.
paying-in slip as shown on the picture on page 24. You can ask a
member of staff for help if you need to.
2 Fill in your paying-in slip as shown on the picture on page 23. You can ask
a member of staff for help if you need to.

33 Give your cheque and paying-in slip to the member of staff. They will check
Give your cheque and paying-in slip to the member of staff. They will
that the amount on the paying-in slip matches the cheque, and pay it in to
check that the amount on the paying-in slip matches the cheque, and pay
your bank account.
it in to your bank account.

When can you spend the money?

The money
When willspend
can you not bethe
in your account straight away when you pay a cheque in.
money?
Please
The askwill
money a member
not be inofyour
staffaccount
to tell you whenaway
straight the money will pay
when you be in your account.
a cheque in.
Please ask a member of staff to tell you when the money will be in your account.
 13

Taking
TakingMoney
MoneyOut
Outof of
Your Account
Your Account
You can take money out at a branch using the counter and self-service machines.
You can take money out at a branch using the counter and self-service
machines.

20

Taking out cash at a cash machine

Taking out cash at a cash machine
What you will need:
What you will need:
® Your debit card
u Your debit card
® Your PIN number
u Your PIN number

Steps
Steps
11 Put your debit card into the cash
machine and
Put your
number.
type
debit in your
card into PIN
the cash
33
Choose how much money you
would like
Choose how tomuch
take out of your
money you
machine and type in your PIN would like to take out of your the
account from the options on
screen. If youthe
would like aon
different
number. account from options the
amount, press ‘Other’ and type in
screen. If you would like a
the amount you want. Then, press
different amount, press ‘Other’
‘Enter’.
and type in the amount you want.
Then, press ‘Enter’.

22 Choose ‘Cash Withdrawal’

Choose ‘Cash Withdrawal’. 44
The machine will then give you your
The machine will then give you
debit card and your money.
your debit card and your money.

Note: The cash machine has an audio option to hear instructions if you are not
able to read the screen.

Note: The cash machine has an audio option to hear instructions if you are not able to
read the screen. 12 PUBLIC
14

Taking Money Out of Your Account

Taking Money Out of Your Account

£
Taking money out at a branch
Taking money out at a branch
What you will need:
What you will need:
® Your identification
® uAYour identification
withdrawal slip
u A withdrawal slip

Steps

1 Ask the member of staff at the

Steps
counter for a withdrawal slip. 3 Give the withdrawal slip and
identification to the member of
staff. They will check to make sure
1 Ask the member of staff at the
counter for a withdrawal slip.
3 you the
Give havewithdrawal
account.
identification
enough money in your
slip and
to the member of
staff. They will check to make
sure you have enough money in

2 Fill in your withdrawal slip as shown

in the picture on page 25. You can 4 The member
your account. of staff will count out
the amount of money you have
2 ask
Filla in
need
shown
member of staff forslip
your withdrawal
to. in the picture on
helpasif you
4 asked
The for with
member
thethe
out right
ofyou
amount.
amount
stafftowill
check
of money you
it is
count

page 24. You can ask a member have asked for with you to check
of staff for help if you need to. it is the right amount.

13 PUBLIC
 15

Using
Using
UsingYour
Your Debit
Debit
Your Card
Card
Debit or or
Card orCredit
Credit Card
Card
Credit Card
DEBIT CARD
DEBIT CARD

0000 000 0

DEBIT CARD
DEBIT CARD

0000 000 0
1234 0000 0000 000 0
05/20
05/20
VAL ID
THRU„

40 -00 -00 100000001 2 3 4 0 0 0 0 0 0 0 0 0 0 0 0

05/20
40 -00 -00 10000000 A LIVINGSON
VAL ID
THRU„ 05/20
THRU„
VAL ID

40 -00 -00 10000000

40 -00 -00 10000000

A LIVINGSON
0000

THRU„
VAL ID
A LIVINGSON

0000

A LIVINGSON
1234

1234

Using
Usingyour card
your in shops
card with
in shops with Using your
Using card
your cardin shops with
in shops with
Using
your your
PIN card in shops with
number Using your card in shops with
contactless
your PIN number contactless
your PIN number contactless
What youyou
What willwill
need:
need: What youyou
What willwill
need:
need:
What youdebit
u Your will card
need:or credit card uWhat
Your you will
debit card need:
or credit card
u Your debit card or credit card u Your debit card or credit card
® Your debit card or credit card ® Your debit card or credit card
u Your PINPIN
u Your number
number
® Your PIN number

Steps
Steps Steps
Steps
StepsPut your card into the chip-and- Steps
1Put Put your card into the chip-and- 1
1PINyour 1 Check the amount on the screen Check the amount on the screen

1 card
reader. into
PIN reader.
reader.
the chip-and-PIN Check
is the amount on the screen
correct.
is correct.
1 is correct.

2 2Check thatthat
Check
screen is
thethe
amount
correct.
on on
amount thethe
2 2
TapTap
your
and-PIN
card
your against
card
reader
thethe
against
where you
chip-
chip-
see
screen is correct. and-PIN reader where you see
2 Check that the amount on the
screen is correct. 2 Tap your card against the chip-
thethe
contactless
and-PIN
sign.
contactless sign.you see the
reader where
contactless sign.
3 3press
Type in your
Type PINPIN
in your number andand
number
the green button. The
33 TheThe
reader
payment
willwill
reader
has
confirm
been
thatthat
confirm
accepted.
your
your
press the green button. The payment has been accepted.
3 Type
the has
in
reader your
green
been
has
PIN
willwill
reader button.
been
number
confirm
confirm
accepted.
accepted.
confirm the payment has been
and
thethe press
payment
payment
The reader will The reader will confirm that your
payment has been accepted. 3
Noaccepted.
tNeo: tYou cancan
e: You paypayfor for
anything
anythingup up
to atototal amount
a total of £30
amount with
of £30 a contactless
with a contactless
card in a single transaction without entering your PIN
card in a single transaction without entering your PIN number. number.
Sometimes
Sometimes youyoumaymaybe be
asked to put
asked in your
to put PINPIN
in your number
number for for
security.
security.
Note: You can pay for anything up to a total amount of £30 with a contactless card in
YouYou
a single can alsoalso
useuse
transaction
can your
withoutsmart
your phone
entering
smart andand
your
phone tablet
PIN device
number.
tablet to make
device to makepayments.
payments.Speak
Speak
to atomember
a member of staff
of be for
staff more information.
for more
Sometimes you may asked to putinformation.
in your PIN number for security.
You can also use your smart phone and tablet device to make payments. Speak to a
14 14 PUBLIC
member of staff for more information. PUBLIC
16

Makinga aPayment
Making Payment

Making
Makinga payment using
a payment your
using online
your banking
online banking

What
Whatyou
youwill
will need:
need:
® uYour
Yourinternet
internetbanking login
banking details
login details
® Your physical or digital secure key
u Your physical or digital secure key
® A computer, laptop or tablet with internet access
u A computer, laptop or tablet with internet access

Steps
Steps

11 Log into your internet banking with

Logsecure
your into your
key.internet banking
with your secure key.
44
Type in the amount you want to
Type
send,inand
send,
the check
amount
and check
is correct.
you
that
that
If it isn’t you
thewant to
reference
thecan type a
reference is correct.
new one in. Choose Ifthe it isn’t
date you
you
can
wanttype a newthe
to send one in. Choose
payment and
2 Choose the ‘Move Money’ option
under your account details.
the date
press you want to send the
‘Continue’.
payment and press ‘Continue’.

23 Choose the ‘Move Money’ option

Choose the account you would
under your account details.
like the payment to come from.
55
Check that all the details are correct,
Check that all the details are
and press ‘Confirm’ to send the
correct, and press ‘Confirm’ to
payment.
Type in the name of the person send the payment.
you want to send the payment to
and press ‘Continue’.
3 Choose the account you would like
the payment to come from. Type in
the name of the person you want
Noto If you
te:send thehave not made
payment a payment
to and press to the person or company before, you
may need this information: the full name, sort code and account number. If you
‘Continue’.
are worried about sending money to the person, read the advice on page 26.
Note: If you have not made a payment to the person or company before, you may
need this information: the full name, sort code
15 and account number. If you are PUBLIC
worried
about sending money to the person, read the advice on page 27.
 17

Making a Payment
Making a Payment

Making
Making a payment
a payment using
using your
your mobile
online banking
banking

What
Whatyou
youwill
will need:
need:
® uSmart
Smartphone
phonewith
withinternet
internetaccess
accessand
andthe HSBC
the mobile
HSBC banking
mobile app
banking app
® Your internet banking login details
u Your internet banking login details

Steps

1 Open your mobile banking app and

Steps
go to ‘Move Money’. Choose ‘Send
Money within the UK’.
4 Type in the amount to send. Choose
the date you want to send the
money and reference.
1 Open your mobile banking app
and go to ‘Move Money’. Choose
4 Type in the amount to send.
Choose the date you want to
‘Send Money within the
theUK’. send
Pressthe money Ifand reference.
2 Press ‘From’ to choose account
you want the money to come out of. 5 ‘Review’. all details are right,
press ‘Confirm’ and the money will
be sent.
2 Press ‘From’ to choose the
account you want the money to
5 Press ‘Review’. If all details are
right, press ‘Confirm’ and the
come outand
of. then choose who to money will be sent.
3 Press ‘To’,
pay from your payees list.

3 Press ‘To’, and then choose who

to pay from your payees list.

Note: If you have not made a payment to the person or company before, you
may need this information: the full name, sort code and account number. If you
are worried
Note: about
If you have notsending
made a money to to
payment thethe
person,
personread the advice
or company on page
before, you26.
may
need this information: the full name, sort code and account number. If you are worried
about sending money to the person, read the advice on page 27.
16 PUBLIC
18

Making
Makinga aPayment
Payment

1234
A LIVINGSON
40 -00 -00 10000000

0000
THRU„
VAL ID

0000 000 0
05/20

DEBIT CARD

Making a payment using a self-service machine

Making a payment using a self-service machine
What you will need:
What you will need:
u Your debit card and PIN number
® Your debit card and PIN number
Thebank
® uThe bankaccount
accountdetails
detailsofofthe
the person
person you
you want
want to to pay
pay

Steps
Steps
1
1 andmachine
Put
Put your
your debit
debit
enter your
card
card
andPIN
into
into
enter your PIN
number.
machine 4 Then
thethe
Choose 4 thereference
Thenyou youwill
will be
reference
be asked
asked to
of the
of the
to check the
payment.
payment. If
If this
number.
the Choose
size of the thethe
text on size of the
screen, this is correct,
is correct, press
press ‘Yes’.
‘Yes’. If is
If this this
not
standard
text on or
thesmall.
screen, standard or iscorrect, press press
not correct, ‘No’ and
‘No’type
anda new
small. reference.
type a new reference.

2OnOn the screen, Choose ‘Payment

5 Enter the amount of money you

2 5
Services’.
the screen, Choose ‘Payment want
Entertothe
pay and the
amount of date.
money Then,
you
Services’. press ‘Confirm’.
want to pay and the date. Then,
Choose the account you are
sending press ‘Confirm’.
Choose theyour money
account youfrom. Then,
are sending
press
your ‘Make
money a Payment’.
from. Then, press ‘Make
a Payment’.
3 Choose who you want to pay
from the list.

3 Choose who you want to pay from

Nothe If you have not made a payment to the person or company before, you
te: list.
may need this information: the full name, sort code and account number. If you
are worried about sending money to the person, read the advice on page 26.
Note: If you have not made a payment to the person or company before, you may
need this information: the full name, sort code and account number. If you are worried
about sending money to the person, read the 17 advice on page 27. PUBLIC
 19

Making a Payment
Making a Payment

Making
Making a payment
a payment in in branch
branch

Whatyou
What youwill
will need:
need:
® uYour
Youridentification
identification
® uYour
Yourbank
bankaccount
accountdetails
details
® The bank account details of the person you want to pay
u The bank account details of the person you want to pay

Steps
Steps

11identification.
The member of staff will ask for your bank account details and check your
The member of staff will ask for your bank account details and check your
identification.

2
2 want to pay.
They
They
you
will
will
want
ask
ask
to
forfor
thethe
pay.
sort
sort code,
code, account
account number
number andand name
name of the
of the person
person you

3Thethe
The member of staff will make the payment for you and let you know that

3 member
money of
hasstaff
been
money has been sent.
willsent.
make the payment for you and let you know that the

Note: If you have not made a payment to the person or company before, you
may need this information: the full name, sort code and account number. If you
are worried about sending money to the person, read the advice on page 26.
Note: If you have not made a payment to the person or company before, you may
need this information: the full name, sort code and account number. If you are worried
If you are sending money to another country, please ask a member of staff for
about sending money to the person, read the advice on page 27.
the information you will need.
If you are sending money to another country, please ask a member of staff for the
information you will need.
18 PUBLIC
20

Banking at the Post Office

Banking at the Post Office

Paying money in at the Post Office

Paying money in at the Post Office

What you will need:

What you will need: u Your debit card
® Your debit card Steps

1 Put your card in the chip-and-PIN reader or swipe your card. You will not
need to enter your PIN number.

Steps 2 Give your money to the member of staff. They will count it and give you a
receipt.

1 Put your card in the chip-and-PIN reader or swipe your card. You will not need to
enter your PIN number. 3 Your money will be in your account straight away.
Paying a cheque at the Post Office

2 What you will need:

Give your money to the member of staff. They will count it and give you a receipt.
u A paying-in slip given to you by your bank
u An HSBC envelope given to you by the Post Office

3 Your money will be in your Steps

account straight away.
1 Put the cheque and completed paying-in slip into the envelope. Fill in your
paying-in slip as shown on the picture on page 23.

Paying a cheque at the Post Office

2 Seal the envelope, fill in the details on the front of the envelope and give it
to the member of staff in the Post Office.

What you will need: 3 The member of staff will give you a receipt.

Note: You can order paying in slips by speaking to a member of staff at the
® A paying-in slip given to you by your bank
bank.
® An HSBC envelope given to you by
Cheques paidthe
in at Post Office
the Post Office will take longer for the money to be put in to
your account. If you are unsure, ask a member of staff.

Steps
19 PUBLIC

1 Put the cheque and completed paying-in slip into the envelope. Fill in your paying-
in slip as shown on the picture on page 24.

2 Seal the envelope, fill in the details on the front of the envelope and give it to the
member of staff in the Post Office.

3 The member of staff will give you a receipt.

Note: You can order paying in slips by speaking to a member of staff at the bank.
Cheques paid in at the Post Office will take longer for the money to be put in to your
account. If you are unsure, ask a member of staff
 21

Banking at the Post Office

Banking at the Post Office

Taking money out at a Post Office

Paying money in at the Post Office

What you will need:

What you will need: u Your debit card
® Your debit card Steps
® Your PIN number
1 Put your card in the chip-and-PIN reader or swipe your card. You will not
need to enter your PIN number.

2 Give your money to the member of staff. They will count it and give you a
receipt.
Steps
3 Your money will be in your account straight away.

1 Paying a cheque at the Post Office

Put your card in the chip-and-PIN reader.
What you will need:
u A paying-in slip given to you by your bank

2 Enter your PIN, then type in uhow

of your account.
much
An HSBC money
envelope

Steps
givenyou
to youwould like
by the Post to take out
Office

1 Put the cheque and completed paying-in slip into the envelope. Fill in your

3
paying-in slip as shown on the picture on page 23.

2 you
The member of staff will give your
Seal the money
envelope, fill in and a receipt.
the details on the front of the envelope and give it
to the member of staff in the Post Office.

3 The member of staff will give you a receipt.

Note: You can order paying in slips by speaking to a member of staff at the
bank.
Cheques paid in at the Post Office will take longer for the money to be put in to
your account. If you are unsure, ask a member of staff.

19 PUBLIC
22

Direct Debits
DirectDebits
Direct Debits
Direct Debit
A Direct Debit is a way for a
Direct Detake
company bit money out of your
Direct Deto bi t
account, for Debit
A Direct example is ato payfor
way a bill.
a company
A Direct
Youtocan Debit
setmoney
take is a
up a Directway for
out ofDebit a company
yourwith
account, for
to take money
the example
companytobypay out a bill. You can setfor
of
giving your
them account,
your up a
example
sortDirect Debit with the company by a
code to
andpay a
accountbill. You can
number. set up
Direct Debit
giving them with thesort
your company
code andby
giving themnumber.
account your sort code and
account number.

How Howto canctoel acancel

Di rec t Debi t :
How t o c an c el a Di rec t Debi t :

üü üü
You can a Direct
cancel a Debit
Direct Debit online,
You can cancel a Direct Debit online,
Youusing telephone
can cancel banking
a Direct Debitand in a
online, £
using telephone
branch.
using
banking and
telephone banking and in a
in a £
branch.
branch.
You cannot cancel a Direct Debit using
You cannot
Youyour
cannot cancel
cancel
mobile aaDirect
banking Direct
app. Debit using
Debit

üü ûû
your mobile
using banking
your mobile app. app.
banking
Note: If you want to cancel a Direct
te: If you
NoDebit,
Note: you want
want
make to you
to
sure cancel
cancel a Direct
let athe company
Direct
Debit, Debit,
make make
sure sure
you you
let the
know you are going to cancel it. let the
company
company
know youknow you are
are going going to
to cancel it.
cancel it.

Reoc c u rri n g Tran sac t i on s

Reoc c u rri n g Tran sac t i on s
Reccurring
These areTransactions
regular payments which are used for subscriptions, for example
These
These are
are regular
regular
Netflix or Amazon payments
payments whichare
Prime.which
These areused
usedfor
payments for subscriptions,
subscriptions,
are linked to your forfor example
example
debit Netflixcard
or credit or
Netflix
Amazon orPrime.
and the Amazon
moneyThese Prime.
is taken These
payments payments
out ofare linked
your toare
account linked
your debit
every toor
your
month. debit
credit
If card
you or credit
and
want card
thestop
to moneythe
isand the
taken money
out of is
your taken out
account of your
every account
month. If every
you want
payment, you need to contact the company you are paying. month.
to stopIf you
the want
payment,to stop
you the
need
to contact you
payment, the company you arethe
need to contact paying.
company you are paying.

21 PUBLIC
21 PUBLIC
Standing Orders
Standing Orders 23

A standing order is a payment you can set up to pay a person or a company.

Standing
You Orders
choose the amount you would like to pay and when you want to pay.
A standing order is a payment you can set up to pay a person or a company.
Standing
How the Orders
to set up
You choose amount you would like to pay and when you want to pay.
AAHow
standing
standing order
up isisaapayment
order
to set paymentyou
youcan
cansetsetupup
toto pay
pay a person
a person or or a company.
a company.
What
You you
Youchoose will
choosethe need:
theamount
amountyou would
you like
would to to
like pay and
pay when
and whenyou want
you want to pay.
to pay.
u
How
How Your bank
totoset
What you
setupupaccount
will need: details and identification.
u uTheYour name,
bank account
account details
details and
and reference of the person or company you
identification.
What
What you
are you will need:
will need:
sending the money to.
u The name, account details and reference of the person or company you
® Your bank account details and identification
u Your bank account
are sending details
the money to.and identification.
®In bThe name,
rancname,
h account details and reference of the person or company you are
u The account details and reference of the person or company you
sending the money to
In are
The ransending
bmember the money
ch of staff will setto.the standing order
up for you and ask you to sign a confirmation.
The member of staff will set the standing order
InIbranch
n bforranyouch and ask you to sign a confirmation.
£
up
The elmember
TThe ep hone of staff
baof ingwill
nkstaff set the standing order up £
for you and ask you to sign set
member will the standing order
a confirmation.
up
Telfor phyouoneand anask you
willtoset
sign
thea standing
confirmation.
The emember
Telephone banking
order up for you.
bof king
staff £
The The member of staff will set the standing
Temember
lephone of bastaff
nkingwill set the standing
order
order
Youup up for
foralso
will you.
you.need:
The member
Your of staff will set the standing
u You willtelephone
also need:banking security number.
You
orderwill up also need:
for you.
u Your telephone banking security number.
® Your telephone banking security number
You will also need:
O n l i n e ban k i n g
u Your telephone banking security number.
Online
Onlinbanking
e ban k i n g
You will also need:
You will also need:
Ou
® iYour
You newill
nlYour aonline
also banking login details and your digital or
kingneed:
bonline
n banking login details and your digital
physical secure key.
uorYourphysical
onlinesecure keylogin details and your digital or
banking
®uYou
A will
Aphysicalalsosecure
computer,
computer, need:
laptop
key.
laptop ortablet
or tabletwith
withinternet
internetaccess
access.
u u Your online banking
A computer, laptop login details
or tablet withand your digital
internet access.or
physical secure key.
HuowAtcomputer,
o cancel alaptopstandior
ngtablet
orderwith
? internet access.
You
Howcanto cancel
cancelaastanding
standingorder
ordeonline,
r? using telephone banking and in branch.
How
Youto
You ancancel
ccan ncancel a standing
ot cancel a standing order
a standing order
order on mobile
online, banking. banking and in branch.
using telephone
Youocan
HYou acancel
w cto eal standing
ncnaontccancel dinorder
g ordonline,
a staanstanding eorder
r? on using telephone
mobile banking and in branch.
banking.
You cannot cancel a standing order on mobile banking.
You can cancel a standing order online,22using telephone banking and in branch. PUBLIC
You cannot cancel a standing order on mobile
22
banking. PUBLIC

22 PUBLIC
 24

Paying-inSlip
Paying-in Slip

5 2
3
8
6
4 9

1. Write the date.

1
1   Write the date.
Writeyour
2  Write
1.
2 yourname.
name.
3   Write the name of the person paying the money in (you only have to do this if
1.
3 Write the name of the person paying the money in (you only have to do this
you are paying in money for someone else).
if you are paying in money for someone else).
4   Write your sort code and account number. This is the account the money will
4 Write your sort code and account number. This is the account the money
1. go into.
will go into.
If you are paying in cheque(s), follow these steps:
1. If you are payi n g i n ch equ e(s), follow th ese steps:
5   Write how many cheques you have.
51. Write how many cheques you have.
6   Write down the total amount of money on your cheques.
If61. Write
you are down the
paying intotal
cash,amount
followofthese
money on your cheques.
steps:
1. I7
f y oWrite
u are how
payi n g in cofaseach
many h, fonote
llow and
thescoin
e steyou
ps: are paying in.
87
1.   Write how
the total
many amount of note
of each notesand
andcoin
coins you
you arehave.
paying in.
Almost done…
1. Write the total amount of notes and coins you have.
8
9   Put the total amount of notes, coins and cheques you want to pay in.
1. A l most don e …

1. Put the total amount of notes, coins and cheques you want to pay in.
9

23 PUBLIC
 25

Withdrawal Slip
Withdrawal Slip

4 7

5
6

1. Write the name of the branch you are taking the money from.
1
1   Write the name of the branch you are taking the money from.
2  Write
1.
2 Write the
the amount
amount of
of money
money you want in words.
3   Write your account name here, for example “Current Account”.
1. Write your account name here, for example “Current Account”.
3
4   Write your name in capitals.
5   Write your address.
1. Write your name in capitals.
4
6   Write your bank sort code and account number.
1.
7  Write
5 Write your
your address.
signature.

1. Write your bank sort code and account number.

6

1. Write your signature.

7

24 PUBLIC
 26

Your Savings
Savings

mportant to save money?

Why is it important to save money?
some money into your savings account will mean that if you need to
l that®you were not
Putting some expecting you your
money into will have theaccount
savings money to domean
will it andthat if you need to pay a
need to borrow
bill thatityou
from someone
were you know
not expecting youorwill
thehave
bank.
the money to do it and will not need
to borrow it from someone you know or the bank.
also save up money for things you would like to buy in the future, for
if you® would
You canlikealso save
to go on up money
holiday, orfor
buythings you would
Christmas like to buy in the future, for
or birthday
for yourexample
friends andif you would like to go on holiday, or buy Christmas or birthday presents
family.
for your friends and family.

How do you save money?

® money?
ou save You can make a budget. You do this by adding up all of the money coming out of
your account every week or month, and if it is less than the money that you have
coming into
make a budget. You your account
do this you can
by adding up allputofwhat is left into
the money your savings.
coming
our account
® Youevery weekto
can speak oramonth,
member and
of ifstaff
it isin
less than the
a branch or money that banking who will
on telephone
e cominghelp
intoyou
yourdecide
account you
what canofput
sort whataccount
savings is left into yourfor
is best savings.
you.
speak® toYou can saveofas
a member much
staff in aorbranch
as littleormoney as you like
on telephone in your
banking savings account, you
who
canwhat
you decide start from
sort of£1savings
and keep addingistobest
account it when you have some spare money.
for you.
® It is a good idea that when you get your money paid into your bank account you
save as put
much or as
some little
into money
your as you
savings accountlike in your savings
straight account,
away, then you are not tempted to
start from £1 and
spend it. keep adding to it when you have some spare

od idea that when you get your money paid into your bank account
some into your savings account straight away, then you are not
to spend it.

25 PUBLIC
 27

Keeping Your Money Safe

Keeping Your Money Safe

How to keep safe:

How to keep safe:
® Your bank will never ask you to tell them your PIN number, your full password or to
Youryour
umove bankmoney
will never
into ask you to
another tellaccount.
bank them your PIN number,
If someone asksyour
you full
to do this, say
password
no and speak orto
toamove
memberyourofmoney
staff ininto another bank account. If someone
a branch.
asks click
® Don’t you toondo this,
links in say no or
emails and speak
texts thattoyou
a member of staff in –a this
are not expecting branch.
could be
ufrom someone
Don’t click ontrying to emails
links in trick you
or into
textsgiving them
that you access
are to your bank
not expecting- thisaccount.
could be
If you aren’t sure if something that you have been sent is real, get in touch with
from someone trying to trick you into giving them access to your bank
the bank or organisation directly.
account. If you aren’t sure if something that you have been sent is real, get in
® Iftouch
you are notthe
with sure about
bank sending money
or organization to someone that you don’t know over the
directly.
internet or in branch, speak to a member of staff and they will help you.
If youbeare
® uDon’t not sure
rushed intoabout
makingsending money to someone that you don’t know
a decision.
over the internet or in branch, speak to a member of staff and they will help
® Ifyou.
something doesn’t feel right, talk to someone you trust about.

If u Don’t
you be rushed
do not intoplease
feel safe, making a decision.
speak to a member of staff in your bank and
they
u Ifwill help you.
something doesn’t feel right, talk to someone you trust about it.
® If Ifyou do worried
you’re not feelabout
safe, fraud
please
onspeak to a member
your account, ofsecurity
visit our staff incentre
your bank
at and
they will help you.
hsbc.co.uk/help/security-centre/, pop into your local branch or call us on
03457 404 404.
u If you’re worried about fraud on your account, visit our security centre at
® For more information on fraud, visit financialfraudaction.org.uk
www.hsbc.co.uk/help/security-centre/, pop into your local branch and
or call us
takefive-stopfraud.org.uk
on 03457 404 404.

u For more information on fraud, visit www.financialfraudaction.org.uk

www.takefive-stopfraud.org.uk

26 PUBLIC
28

Additional Help and Information

For more Account contact Customer
information numbers service
Visit hsbc.co.uk HSBC Premier Customer service
center:
Text phone Within the UK:
8am to 10pm
03457 125 563 03457 707 070
(Open 24-hours for
Come into branch From outside the UK:
Advance customers)
+44 1226 260 260
Download our app
Automated service:
HSBC Advance
open 24-hours
Within the UK:
Telephone calls will be put
03456 006 161
through to our Automated
(8am to 10pm)
Service. Textphone calls
From outside the UK: will be put through to our
+44 1470 697 139 Customer Service Centre.
(8am to 10pm)
Textphone for all accounts
Within the UK:
03457 125 563
From outside the UK:
+44 207 088 2077

Financial difficulty
If you are worried about your finances, please speak to your bank. The sooner you talk
to us, the sooner we might be able to help you.
Accessibility
To find out more about our accessible services please visit hsbc.co.uk/accessibility or ask at any of our branches.

If you’d like this in another format such as large print, Braille or audio, please contact us.
A textphone service is available for customers with hearing and/or speech impairments. If you use your own textphone
you can call us on 03457 125 563 (+44 207 088 2077 from outside the UK).

BSL Video Relay Service is also available (Monday-Friday 8am-6pm, excluding Bank and Public Holidays) at
hsbc.co.uk/accessibility.

hsbc.co.uk
HSBC UK Bank plc. Registered in England and Wales with number 09928412. Registered Office: 1 Centenary Square, Birmingham B1 1HQ, United Kingdom.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Our Financial Services Register number is 765112.

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