Cash Flow

International Business Overdraft

Apply for an International Business Overdraft
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If you want cash flow flexibility when transacting in international markets, our International 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 an arranged overdraft request

Reviewed annually and a renewal fee taken

Available to HSBC International Business Account customers

Minimum overdraft limit of £25,001 – maximum dependent upon requirements and subject to status. Security may be required

Key benefits

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

Easy to arrange - speak to your Relationship Manager¹

Available in US Dollar and Euro for Business Banking customers

Available in up to 25 currencies for larger customers²

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 a Reference Rate or HSBC’s Currency Base Rate*. Click here for further details.

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.

For details of our fees and charges, please see our Business Banking Price List (PDF,157KB)

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 arranged overdraft limit. Unarranged overdrafts are available at the Bank’s discretion.

For unarranged overdrafts where you have an existing arranged limit and go over this limit, we charge interest at the rate we have agreed with you on balances up to your facility limit and will charge our Currency Standard Debit Interest Rate3 on any balance over your formally arranged limit, unless otherwise agreed with you.

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

If you anticipate you may want to make frequent informal overdraft requests, it will be cheaper for you to apply in advance for a formal overdraft.

Important information

View the current Reference Rates and Currency Base Rates

Read a copy of our current price list

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Apply for an International Business Overdraft

Do you have an HSBC International Business Account?

Speak to your Relationship Manager

Are you new to HSBC?

Please visit your nearest branch to find out about switching to HSBC

If you would like one of our representatives to call you back, simply let us know and we will call you back at your convenience (between 9am and 5pm Monday to Friday UK time).

Check your eligibility

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

Eligibility:
Eligibly for an International Business Overdraft will be assessed on a case by case basis. We will take into account factors such as affordability and the suitability of the product for your business

Important information

Before applying, please read the following carefully, including the 'Your Information' section in the Business Banking Terms and Conditions.

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