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Business Overdraft

If you're looking for a safety net to help you manage fluctuations in your cash flow and respond to emergencies, our Business Overdraft could be just the answer.

At a glance

  • Pay interest only on the amount you use - calculated on a daily basis

  • An arrangement fee applies when we agree to a formal overdraft request

  • Formal overdraft facility available for a period of 1 to 12 months

  • Reviewed annually and a renewal fee taken

  • Available to HSBC Business Current Account customers

  • Representative EAR3 of 10.36% variable

Apply for your Business overdraft

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Apply for your Business overdraft

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

Log on to apply

If you are new to HSBC UK or prefer to speak to someone, you can call us now on:

0800 731 8932

Text phone 180011 0800 028 3516

Lines are open 8am to 10pm every day (excluding Christmas Day, Boxing Day and New Year's Day). To help us continually improve our service and in the interests of security, we may monitor and/or record your telephone call.

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Key benefits

Fees for arranged overdrafts start from GBP252 (Lending is subject to status)

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

Faster business loan applications for your business with LinkScreen

Provides flexible access to more cash flow

Easy to arrange - just call us or visit your local branch

Could give your business more room to manoeuvre

Our £14 billion lending fund could be the cash boost to help you realise your ambitions.

Arranged overdraft requests

An arranged overdraft request is when you approach us in advance to set up an overdraft for a period of up to 12 months. Interest rates are individually agreed with you and are linked to the Bank of England base rate.

The debit interest rate margin you pay will be re-assessed each time we review your overdraft facility and may change at this time. If it does we will give you notice of this.

An arrangement fee applies when we agree an arranged overdraft. The facility is normally reviewed annually and a renewal fee taken if it is renewed.

In some cases, security will be required to arrange an arranged overdraft.

Your home may be repossessed if you do not keep up repayments on a facility that your home is securing.

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

Unarranged overdraft requests

An unarranged overdraft request is where you do not contact us in advance and you make payments from your account which, if processed by us, would cause it to go overdrawn or go over an existing formally arranged overdraft limit.

For unarranged overdrafts where you have an existing formally agreed limit and go over this limit, we will 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 on any balance over your arranged agreed limit.

Where you have no existing arranged overdraft limit, we will charge our Business Standard Debit Interest Rate on all debit balances. Click here to see our interest rates

If you anticipate you may want to make frequent unarranged overdraft requests, it will be cheaper for you to apply in advance for an arranged overdraft.

1 Call us on 03457 60 60 60. To help us continually improve our service and in the interests of security we may monitor and/or record your call. Lines are open 8am to 10pm 7 days a week subject to planned routine maintenance.

2 If you go over your arranged overdraft limit, Business Standard Debit Interest Rate will be applied.

3 The Representative EAR 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 the a credit agreement as a result of the advertising or marketing.

Important information

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

Apply for your Business overdraft

Apply now

Check your eligibility

Find out instantly if you're likely to receive the money you need


Start now

Help and support

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