HSBC Personal Banking

Everyday banking made easier

With HSBC Personal Banking, you can manage your day to day banking and grow your wealth with tools and services designed to make your life easier.

How to apply Get onboard in just few steps.

Mobile banking

Get everything done with a touch, tap or swipe, from checking your balance to managing your credit card payments.

Contactless payment

Use your contactless debit or credit card to make fast, secure and easy payments on the go.

Instant transfers

Make instant transfers with your personal internet banking and mobile banking accounts.

Extensive assistance

Got a question? Need assistance? Get in touch with our representatives through live chat, phone banking and much more.

Banking on the go

Get a complete control over your bank and credit card accounts online and on your phone with HSBC's internet and mobile banking services.

Digital Secure Key offers an extra layer of authentication for secure transactions
Video Customer Identification Process (V-CIP) means you can complete your KYC from the comfort of your home
Bill Payment service for convenient and flexible online bill payments
HSBC e-NACH services for paperless standing instructions with specific amount, times and dates
Now you can add nomination from Internet Banking or Download the form and submit at the nearest HSBC India Branch

A step closer to your dreams

Whether you're buying your dream home, planning your children's education or even a family wedding, our loan calculators help you to explore loan options, compare our mortgage products or find ways to save on interest.

Discover home loans that help you to buy ready properties and select under construction properties approved by HSBC India
Transfer the balance of your existing loans with special top-ups at attractive rates
Access loans against property (LAP) to raise funds when you need it the most
Apply for personal loans at attractive rates with easy documentation and quick processing
No collateral or guarantor required

Parents looking at mobile and daughter looking at laptop in the living room

Friends eating cake and chatting about what they see on mobile

Wherever you go, we'll follow you

Planning a big move overseas or returning to India? Our wide range of international banking and financial services are here for you, beyond the borders.

Open an account in the new country even before you leave India in just a few steps with assistance from our International Banking Centres
Manage your finances at home and overseas with single-view of all your accounts and move money across borders instantly
Access your account even when you're not in India, and make easy withdrawals overseas at any HSBC ATMs (currency conversion charges apply)
Make the most of studying abroad with banking, guidance and extensive assistance from HSBC

Know more about our products

Credit card

Compare the rates, offers, features and benefits of our range of credit cards.

Personal Loan

When expenses arise, like a wedding, furnishing your home, higher education for your children or a family holiday you can turn to Personal Loans from HSBC.

Home loan

Save more on Equated Monthly Instalments (EMIs) or reduce your loan tenure by transferring your Home Loan to HSBC.

Wealth management

Investment options for a range of financial goals.

Things to know

You're eligible for Personal Banking if you meet any one of the following criteria:

Maintain a quarterly Total Relationship Balance (TRB) of INR150,000 or more in a combination of savings and current account balances, fixed deposits, holdings in demat account held with HSBC, investments and life insurance through HSBC India, or
Hold a Corporate Salary Account under the Employee Banking Solutions (EBS) with monthly salary credits of INR25,000 or more into the account, or
Have a mortgage relationship with HSBC, with equated monthly instalments (EMI) being debited from this account towards the mortgage loan repayment with HSBC

Your Total Relationship Balance (TRB) refers to the total balance you have with HSBC India on the last day of every calendar quarter, and includes:

The average balance held in your HSBC savings or current accounts
The average balance held in your HSBC fixed deposits
The market value or net purchase value of your investments[@nri-trb-investments] with us (whichever is higher)
Your life-to-date (total) paid-up life insurance[@nri-insurance-caveat] premium for policies in force
The market value of your demat holdings in the depository account held with HSBC India
The average quarterly available balance[@trb-smart-lap] held in your Smart Home Drop-line Overdraft (Smart Home DLOD) or Smart LAP Drop-line Overdraft (Smart LAP DLOD) account

HSBC Personal Banking Terms and Conditions (PDF) Download

Open an HSBC Personal Banking Account

Apply in the app

Download the HSBC India app to apply for an account in minutes.

Scan the QR code with your mobile device to apply in the app.

Apply now

Apply in branch

To apply in a branch, just bring your identification document and a recent proof of address.

Find a branch

Notes

HSBC Personal banking customers need to fulfil the HSBC Personal banking eligibility criteria, failing which a quarterly Service Charge of 1% (plus applicable taxes[@nri-trb-gst]) of the shortfall of the TRB up to a maximum of INR1,200 (plus applicable taxes[@nri-trb-gst]) will be levied for the quarters in which the eligibility criteria is not met. A notification will be sent to customers in the month immediately following the end of the quarter, in case the account has had a shortfall. In the event the TRB is restored to the required level in the following quarter, there will be no charge. If there remains a shortfall, the Service Charge will be levied on the lower of the shortfalls in the two relevant quarters.