Download and apply before 30th June 2023. Make 10 qualifying transactions within 2 months of account opening. £100 Amazon.co.uk Gift Card* issued by a third party in September 2023. Subject to availability. Offer ends 30th June 2023.
*Restrictions apply, see amazon.co.uk/gc-legal
For more information see the T&C's.
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 not available currently for Android customers, however customers can still enjoy the forecast tool without the graph in app.
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 15.39%. 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)
We’ve teamed up with some great partners that offer everything from discounted broadband to accounting software and so much more.
Full details available in-app. T&Cs apply.
Require any of these features and services? Take a look at some of our other current accounts
See FAQs linked below for further details on HSBC Kinetic services
You are the sole trader, or sole director and sole shareholder of the limited company
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
Apply for an overdraft in-app*3
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 15.39% variable. Daily Overdraft fees apply.
Apply for a HSBC Kinetic Credit Card*5 in the App and receive a decision in minutes. Representative 15.9% APR variable.
Subject to eligibility and Credit Check.
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.
Fast application for an HSBC Kinetic Small Business Loan, Representative 7.1% APR (fixed) with a decision in minutes.
*1 If you apply on or after 1 June 2021 there will be no monthly current account maintenance fee for 12 months from account opening date. 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. Subject to eligibility, credit check and terms and conditions.
*2 Subject to eligibility and Credit Check. Terms and conditions and fees apply. 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 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.
*3 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.
*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.
*5 Subject to eligibility and Credit Check. Terms and conditions and fees apply.
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.
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.
