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 arranged overdraft request

  • Arranged 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 EAR1 of 11.74% variable

Apply for your Business overdraft

Apply for your Business overdraft

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

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.

Check your eligibility

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


Start now

Key benefits

Fees for arranged overdrafts start from GBP25 (Lending is subject to status)

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

Existing customers registered for Business Internet Banking can also apply online 3

Provides flexible access to more cash flow

Easy to arrange for new and existing customers – call us on 0800 731 8932 2

Could give your business more room to manoeuvre

Our £15 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. Margins are individually agreed with you and are added to the Bank of England Base Rate 4. Click here to see our interest rates.

The 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.

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

Unarranged overdraft requests

An unarranged overdraft request is when you authorise a payment that would take your account overdrawn or beyond your arranged limit without agreeing in advance, an overdraft to cover the payment.

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. 

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 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.

2 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.

3 You can apply for an overdraft of up to £30,000 on the phone or via Business Internet Banking. For details of our fees and charges, please see our Business Banking Price List

4 If the Bank of England Base Rate falls below zero, we will treat it as zero

Important information

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

Apply for your Business overdraft

Check your eligibility

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


Start now

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