Enjoy discounts across a select range of restaurants, retailers and travel bookings. Plan for today and tomorrow with support from your dedicated team of specialists. When you open this account, you'll have the option to take out an arranged overdraft. Useful if you're hit with an unexpected bill. It's possible that payments you try to make using an unarranged overdraft may be declined. However, we'll always try to allow essential payments if we can.
You can apply for an arranged overdraft when you open your account, or at any time later. You can ask to increase, remove or reduce your limit at any time in online or mobile banking, by phone or in branch. Your new limit can't be less than what you owe. We report account activity, including overdraft usage to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.
Overdrafts are designed for short-term borrowing only and are subject to status. These alerts help you manage your overdraft usage to avoid being charged interest. When you open your account you can apply for an arranged overdraft. Anything you borrow above that, but within your arranged or unarranged overdraft limit, will be charged interest at Further details can be found online at our Overdrafts page. How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.
You may not be eligible for some account features if you remain resident outside the UK. If you submitted your application for a Premier Account on or before 4 September previous eligibility criteria still apply. Are there any dependent children aged under 18 at the start of the trip, or under 23 if they are in full-time education and live with you outside term time? If so they'll only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.
You'll need to call the HSBC Medical Risk Assessment Helpline on before booking your trip if you or any insured person in the last 12 months have:. You should also tell us before you travel if there's been any changes to your health, or you've been referred to a consultant or specialist, or admitted to hospital.
