Small Business Accounts

HSBC Kinetic

Award-winning business banking designed around small businesses like you.
How to apply
If you’re a sole trader or single director shareholder business, HSBC Kinetic may be right for you. Apply in minutes, in app. Most accounts opened within 48hrs.
No monthly account fee for the first 12 months *1
Apply for an account in minutes in the app
Keep on track with a monthly breakdown of your cash flow

With the HSBC Kinetic Current Account you’ll get:

  • No monthly maintenance fee for the first 12 months*1
  • Stay in control of your debit card with the ability to activate, freeze and unfreeze in an instant
  • Get the funds you need with an easy in-app overdraft application*3
  • Keep on track with a monthly breakdown of your cashflow and categorised spending
  • Access on your desktop or mobile device
  • Scan and deposit cheques securely in the app. Limits & fees apply*4
  • Make payments of up to £25,000 per day in-app

How to apply

No more online forms, if you meet our eligibility criteria, then apply for an HSBC Kinetic Current Account right in the App.

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.

Ready to use features and services

Cashflow and spending insights

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 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.

Representative EAR 12.85%. 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)

Check your eligibility for Lending

Great perks to kick start your business

We’ve teamed up with some great partners that offer everything from discounted broadband to inspirational office space and so much more.

  • Enjoy up to 30% off business broadband with TalkTalk Business
  • Accept card and contactless payments from your customers with next day settlement with Global Payments
  • Discounted flexible office space from WeWork
  • Access to business insurance with Aviva

Full details available in-app. T&Cs apply.

Features and services not currently available with HSBC Kinetic

  • Making international payments in-app
  • Cheque books not issued for the HSBC Kinetic Current Account
  • Foreign currency accounts or holdings
  • Multi-user access

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

Am I eligible to apply?


Company type

Sole trader or limited company


You are the sole trader, or sole director and sole shareholder of the limited company


Tax resident

UK tax resident


You are a tax resident in the UK but not the Channel Islands or the Isle of Man


Device

Mobile banking


You have an iPhone (6 or newer) or Android handset

Manage your cashflow

Overdraft


Overdraft

HSBC Kinetic Overdraft


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 12.85% variable. Daily Overdraft fees apply.

Credit Card


Credit Card

HSBC Kinetic Credit Card


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.

Loan


Loan

HSBC Kinetic Small Business Loan


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.

Frequently asked questions

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