Cash Flow

Business Overdraft

Apply for your Business overdraft
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A Business Overdraft can provide a safety net to help you manage fluctuations and minimise the effects of smaller purchases on your day to day cash flow.

For information about our HSBC Kinetic Overdraft

At a glance

Pay interest only on the amount you use – calculated on a daily and charged to your Business Current Account. The interest rate applied to your overdraft is subject to status and re-assessed at each review, so this may change.

Arrangement fee proportional to your arranged overdraft (minimum GBP25) and charged to your current account when we agree to an arranged overdraft. Overdrafts are renewed annually and a renewal fee taken.

Arranged overdraft facilities available for a period of 1 to 12 months. Representative EAR 16.25% variable. Lending is subject to credit status. Terms and conditions apply.

Overdraft facilities are repayable on demand - at any time, the Bank has the right to request repayment of the overdraft, reduce the overdraft limit and/or close the overdraft facility.

Available to HSBC Business Current Account customers

Security may be required – each case is considered on its individual merits. If security is required, an administration fee will be payable

Key benefits

You can reduce and/or cancel your arranged overdraft at any time. See Important Information section below

Apply online or by phone.

Provides flexible access to more cash flow

Could give your business more room to manoeuvre

Could be ideal for one-off purchases you know you can repay quickly

Important information

The Representative EAR (Effective Annual Rate) is the rate at or below which we reasonably expect would apply to unsecured credit provided to at least 51% of customers who enter into a credit agreement, as a result of advertising or marketing. EAR takes into account the interest rate and how often interest is paid. It does not include any fees or charges.

To reduce or cancel your arranged overdraft, you can do this online if you’re registered for Business Internet Banking. Alternatively, you can call us on 03457 60 60 60*.


The arranged overdraft limit cannot be reduced lower than the current debit balance.


To cancel your arranged overdraft, the account cannot be in a debit balance at the time of the request.

Interest rates

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Guide to business borrowing

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Arranged overdraft

An arranged overdraft request is when you approach us in advance to set up an appropriate overdraft limit, for a period of up to 12 months.

An arrangement fee applies when we agree to an arranged overdraft. The facility is normally reviewed annually and, if renewed, a renewal fee will be charged.

Interest rates on arranged overdrafts will be individually agreed with you and the rate added to the Bank of England Base Rate, which is subject to change. If the Bank of England Base Rate falls below zero, we will treat it as zero. Click here to see our interest rates.

The interest rate applied to your overdraft will be re-assessed at each review of your overdraft and so this may change, although we’ll give you notice of this.

For details of our fees and charges, please see our Business Banking Price List

Unarranged Overdraft

An unarranged overdraft request is when you do not contact us in advance, and you make payments from your account which would, if processed by us, cause your account to go overdrawn or over an existing arranged overdraft limit. We will always consider an unarranged request and will try to be supportive. However, if we are not able to agree to unarranged overdraft and a payment is returned, we may charge you a fee for returning the payment, in line with our Business Banking Price List.

Where you have no existing arranged overdraft limit, we’ll charge interest at our Business Standard Debit Interest Rate of 19.50% on all debit balances. This is a higher interest rate than an arranged overdraft.

Where you have an existing arranged overdraft limit and go over this limit, we’ll charge interest at the rate we have agreed with you on balances up to your facility limit, and will charge our Business Standard Debit Interest Rate of 19.5% on any balance over your arranged limit.

Continually going into an unarranged overdraft or over your arranged overdraft limit could impact your credit rating and ability to obtain finance with HSBC or other lenders.

If you anticipate you may want to make frequent unarranged overdraft requests, it may be cheaper for you to apply in advance for an arranged overdraft. Lending is subject to credit status. Terms and conditions apply. Click here to see our interest rates.

See what business current accounts, unsecured loans and overdrafts are available from other providers

Apply for your Business overdraft

You can apply for an overdraft of up to £100,000 via Business Internet Banking or by phone. For details of our fees and charges, please see our Business Banking Price List.

If you are registered for Business Internet Banking, and are the Primary User, you can apply here:

Alternatively, and if you’re new to HSBC or not registered for Business Internet Banking, you can call us now on

03457 60 60 60

To book an appointment with a Business Specialist, you can call us now or use live chat click ‘Need help?’ on the right-hand side of this page.

If you need a Text Relay service you can download the ‘Relay UK’ app and call our number from within it. For other accessible ways to contact us, please visit: business.hsbc.uk/accessibility.

Our Business Telephone Banking lines are open Monday to Friday, 8:00am to 8:00pm and Saturday, 8:00am to 2:00pm (subject to change over certain periods). To help us continually improve our service, and in the interests of security, we may monitor and/or record your conversation with us. For other accessible ways to contact us, please visit: business.hsbc.uk/accessibility.

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