HSBC Kinetic Current Account

If you see differently, bank differently with HSBC Kinetic.

Whether you’re new to business or looking to switch, HSBC Kinetic is the business current account that makes banking simpler and faster.

Apply in minutes, in app. Most accounts opened same-day.

Continue with a saved application

*1 If you apply for a HSBC Kinetic Current Account before 1 June 2021 there will be no monthly current account maintenance fee until December 2022 giving you an 18 month free period.  If you apply on or after 1 June 2021 there will be no monthly current account maintenance fee for 12 months from account opening.
The monthly current account maintenance fee after the fee free period is £6.50 per month.  Fees subject to change, customers will be notified in advance. Other fees and charges apply, see pricelist for details.

*2 If you would like to open an HSBC Kinetic Savings Account without opening an HSBC Kinetic Current Account, we’re happy to help. Please call 0345 587 3529 or 01397 436960 if you’re outside the UK.

*3 Subject to eligibility criteria. Terms and conditions apply. Representative fees and rates: How much you pay for your overdraft depends on your overdraft limit, the amount of your overdrawn balance and how long you are overdrawn for.

*4 There is a charge of £0.50 per cheque deposited in-app. £500.00 per cheque limit applies, £2,500.00 limit per day.

Ready to use features

Apply for an account in minutes

Manage Direct Debits, standing orders and future payments with ease

Stay in control of your debit card with the ability to activate, freeze and unfreeze in an instant

Get the funds you need fast with an easy in-app overdraft application*3

Savings account available upon application, subject to eligibility at 0.01% AER/Gross. Save for important events or equipment

Analyse your spending with automatically categorised transactions

Keep on track with a monthly breakdown of your cash flow within your HSBC Kinetic Current Account

Access your account on your desktop or mobile

Scan and deposit cheques securely in the app. Limits & fees apply.*4

Make payments of up to £25,000 per day in-app. Larger payments available via business telephone banking.

 

A pioneering new business banking service

 

Apply in minutes in the app

No more online forms, if you meet our eligibility criteria, then apply for an HSBC Kinetic Current Account right in the App.

Take a look at our ready to use features and services for iPhone and Android users

Search for ‘HSBC Kinetic’ in the App Store and Google Play Store today to download and apply in minutes.

  

 

Cashflow and spending insights

Categorised spending and cashflow insights to help you stay on top of your business expenses and plan ahead.

 

 

 

Apply for an overdraft in-app *3

Apply for up to £30,000 overdraft in-app, with funds available on the same day of approval.
Only pay interest for what you use.

Representative EAR of 10.47% variable

 

Instant savings account on application*2

Apply for a savings account to help you budget for future business expenses i.e. Tax or office furniture

 

 

Manage your cashflow with our Credit Card

Apply for a HSBC Kinetic Credit card in the App and receive a decision in minutes.

Representative 15.9% APR variable


Eligibility criteria for HSBC Kinetic

You have a Limited company, are the only Director and sole shareholder, registered with Companies House

OR

You are a Sole Trader and the sole owner of the business for which you are applying

AND

You are a tax resident in the UK but not the Channel Islands or the Isle of Man

You have an iPhone (6 or newer) or Android handset

Features and services not available at this time

  • Making international payments in-app.
  • Cheque books not issued for this account

Require any of these features and services? Take a look at some of our other current accounts

Definitions:

AER stands for annual equivalent rate. A notional rate which illustrates what the gross rate would be if interest was paid and compounded each year

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

Apple and the Apple Logo are registered trademarks of Apple Inc. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Android is a trademark of Google LLC. App Store is a service mark of Apple Inc.

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Please be aware that the external site policies will differ from our website terms and conditions and privacy policy. The next site will open in a new browser window or tab.