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A list of banks in Portugal, including more information on some of the biggest and most popular retail banks in the country. If you want to check if youre likely to get an overdraft without making an application, you can use our eligibility checker. The HSBC Advance Account offers easy everyday banking for people aged over 18, with no monthly fee. In short, yes, your overdraft could affect your credit score. Looking for a student account and debit card instead? <>/Border[0 0 0]/H/N/OC 128 0 R/Rect[89.2913 546.305 179.261 534.755]/Subtype/Link/Type/Annot>> <> Student overdrafts typically dont charge interest. Lenders must tell you the APR before you sign a credit agreement with them. The HSBC debit card works just like any other bank-issued debit card in the UK. Youll get an HSBC visa debit card, contactless payments and an optional arranged overdraft of at least 1,000. Typically, you'll agree an overdraft limit with your bank or lender - this is known as an arranged overdraft. 135 0 obj 0000035991 00000 n However, its important to understand everything associated with your overdraft before using it. Youll then be able to borrow up to that limit without any issues. We wont be able to tell you over the phone. 144 0 obj Prefer to complete your application with one of our team? 129 0 obj HSBC UK debit card: features, fees, and limits [2023] - Wise With both types of overdraft, you'll usually have to pay interest on what you borrow. Youll only pay a small transparent conversion fee, or it's free if you already have the currency in your Wise account. 149 0 obj For example, someone who's set up a 1,000 overdraft limit with their bank. Our overdraft text alerts help you avoid being charged overdraft interest. Well send texts when you have entered or we become aware you are due later that day to enter: If you don't provide your mobile number, or let us know when you've changed it, we won't be able to send you text alerts to make you aware of your overdraft usage. You can reduce your arranged overdraft limit or ask to increase it in our app or online banking. We make switching banks simple. 0000005683 00000 n Whats more, all HSBC cardholders have access to the home&Away offers programme. Over the course of a holiday or business trip, this can soon add up. This could make it an expensive way to spend internationally. 0000005983 00000 n These could restrict how much money you can withdraw at once, or spend on your contactless card in a shop, bar or restaurant.