HSBC Advance

Internet banking is available and the customer has the ability to:
- check balances
- view transactions
- view, amend, create and cancel standing orders
- pay bills
- make payments to family and friends
- transfer money between accounts
- change address and personal details.collapse

Telephone banking is available 24 hours a day by the automated telephone banking service. Pressing a few buttons on the voice menu lets the customer:
- check balances
- transfer money between accounts
- hear details of their latest transactions
- speak to one of the Customer Service Representativescollapse

HSBC will transfer the customer's Direct Debits and standing orders from their current bank. The customer will receive their cheque book (if requested) and debit card within 5 working days and their PIN within 7 working days of account opening.

They will credit £10 to the customer's account each time they fail to meet of any of their Account Opening standards.collapse

There is an overdraft arrangement fee of £25. This fee is payable each time a request for an overdraft or an overdraft extension is made. If this is the first overdraft request for 6 months no overdraft arrangement fee will be charged.collapse

Card transactions abroad
Cash withdrawals at machines displaying the Cirrus/Maestro logo - there is no cash advance fee (some Cirrus/Maestro members may apply a direct charge and this will be advised on screen at the time of withdrawal.The opportunity will be given to cancel the transaction if required)
Foreign currency exchange rate adjustment - 2.75%
Foreign currency retail transactions - there is no fee from HSBC but the foreign currency exchange rate adjustment of 2.75% will apply.
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Card transactions abroad
Cash withdrawals at machines displaying the Cirrus/Maestro logo - there is no cash advance fee (some Cirrus/Maestro members may apply a direct charge and this will be advised on screen at the time of withdrawal.The opportunity will be given to cancel the transaction if required)
Foreign currency exchange rate adjustment - 2.75%
Foreign currency retail transactions - there is no fee from HSBC but the foreign currency exchange rate adjustment of 2.75% will apply.
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If the customer has not agreed an overdraft and the account goes overdrawn by more than £10 or they exceed an agreed overdraft limit by more than £10, this is classed as informal overdraft request. If HSBC decide to allow the informal overdraft request an overdraft Arrangement Fee of £25 will apply. It will also apply to subsequent increases of over £10.

- The overdraft Arrangement Fee will not total more than the amount by which the customer goes overdrawn without prior agreement or exceeds their overdraft limit.
- No more than one arrangement fee will be charged per day.
- If debited Arrangement Fees or interest cause the account to overdrawn or further overdrawn a further Arrangement Fee will not be charged.
- The customer will not have to pay for the first agreed overdraft request (formal or informal) in any 6 month period. Each further request in a 6 month period may incur an arrangement fee.collapse

Roadside Assistance breakdown cover included.
Worldwide family travel insurance including winter sports cover.
£3,000 life cover/accidental death benefit.
25% off first year's LifeChoices premium
Mortgage - save on a standard priced mortgage product.
Personal Loan - 10% Repayment Reward on Personal Loans
Flexible Saver - preferential rates on an HSBC Flexible Saver
Regular Saver - only available to HSBC current account customers
Cash ISA - preferential rate
Free identity theft assistance website and helpline offered.
Discounts and offers at 100s of hotels and restaurants and on days out and other shopping and lifestyle benefits.
Switching error - £10 payment if something goes wrong during the switching process
Commission free foreign currency and travellers cheques on amounts between £100 and £2,000.collapse

£3,000 life cover offered to those under 65. £3,000 accidental death benefit for those over 65.
25% off first year's LifeChoices premium - a menu-based protection product that can provide life cover, sickness cover, trauma and unemployment covercollapse