If you meet our eligibility criteria, then click below or scan the QR code to download the app and apply.
iPhone
Search for ‘HSBC Kinetic’ in the App Store today to download and apply.
Android
Search for ‘HSBC Kinetic’ in Google Play Store today to download and apply.
Categorised spending and cashflow insights to help you stay on top of your business expenses and plan ahead.
Cashflow graph is not available in the Android™ app however customers can still enjoy the forecast tool without the graph.
Pay overseas invoices or suppliers with confidence.
Our in-app indicative rate tool provides an idea of the converted currency amount, the exchange rate and how much you’ll be charged.
In-app screen for illustration purposes only. Fees apply.
Apply for up to £30,000 overdraft in-app, with funds available on the same business day that your credit assessment is successful.
Representative EAR 14.82%. A Daily Overdraft Facility Fee applies. Calculated at an annualised rate of 1.5% of your overdraft limit. This fee accrues daily and is charged regardless of whether the overdraft has been used, for an Overdraft Limit of above £200 only. It is charged on a monthly basis and is based on there being 365 days in the year.
For an Unarranged Overdraft (this includes any amount over the arranged overdraft limit) we charge you Business Standard Debit Interest Rate (BSDIR)
Full details available in-app.
If you need any of the above then take a look at other accounts from HSBC UK - these aren’t available in the HSBC Kinetic app.
See FAQs below for more details on HSBC Kinetic services
You’re a sole trader or a limited company with a sole director who is also the sole shareholder
You're a tax resident in the UK but not the Channel Islands or the Isle of Man
Your turnover is up to £6.5m per year
Apply for an overdraft in-app²
Apply for up to £30,000 overdraft in-app, with funds available on the same business day that your credit assessment is successful.
See further details above.
Representative EAR of 14.82% variable. Daily Overdraft fees apply.
Subject to eligibility and Credit Check. Terms and conditions and fees apply.
Apply for a HSBC Kinetic Credit Card in the App and receive a decision in minutes. Representative 15.9% APR variable.
Subject to eligibility and Credit Check. Terms and conditions and fees apply.
The HSBC Kinetic Small Business Loan is available from between £1,000 and £10,000 and
a repayment term of between 1 year to 10 years.
The Representative APR is 11.3% (fixed), based on an assumed loan amount of £7,000 over 60 months at the interest rate of 11.3% p.a. (fixed). Monthly repayment £151.34 with a total amount payable of £9,080.40.
Subject to eligibility and Credit Check. Terms and conditions and fees apply⁴.
1 Free UK digital banking means day-to-day standard electronic transfers made through HSBC Kinetic app are free. Other charges apply e.g. cheques. See HSBC Kinetic Price List for details. Subject to application, eligibility, credit check and T&Cs
2 Subject to eligibility and Credit Check. Terms and conditions and fees 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.
3 HSBC UK Bank plc, 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom, 9928412 acts as an introducer to Marsh Commercial.
4 If you want to open an HSBC Kinetic Savings Account and or HSBC Kinetic Small Business Loan without opening an HSBC Kinetic Current Account, please call us on 0345 587 3529 or +44 1397 436960 if you're outside the UK. You don't have to open, have or maintain a HSBC Kinetic Current Account to open, have or maintain a HSBC Kinetic Savings Account and or HSBC Kinetic Small Business Loan.
Business Standard Debit Interest Rate (BSDIR) is the rate applied to borrowing on an unarranged basis. It is charged where you have an arranged overdraft limit and go over that limit, or where you borrow on an unarranged basis. Debit interest is calculated daily and applied to your account usually once a month.
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.
App Store is a service mark of Apple Inc. Apple and iPhone are 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 and Google Play are trademarks of Google LLC.
