HSBC Debit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

Annual fee

£0

Spending abroad

2.75% fee

Foreign transaction fee applies

Lounge access

Not included

Using it abroad

2.75% non-sterling transation fee.

Converts at the Visa exchange rate.

Who can apply

Must have HSBC current account.

Our Expert Opinion on HSBC Debit Card

The HSBC Debit Card is free to hold and comes automatically with an HSBC current account, so it suits people who simply want a no-cost everyday card for UK spending. It pays no rewards on spending, and abroad it is behind the best cards, sitting about 2.6% off the real exchange rate on the Visa network. I would think twice before using it overseas, as that 2.75% non-sterling transaction fee adds up on any trip. If you travel regularly, the Co-operative Bank Debit Card offers no foreign fees as an alternative worth considering.
Jonny Pease (Co-Founder)DepositScout

Compare Travel Cards

Guides featuring HSBC

The Best UK Savings Rates for September 2026

Four 8% regular savers, 5% fixed bonds, Premium Bonds' rise to 4.35% and the top easy access and cash ISAs.

Basic Bank Accounts: Your Legal Right to an Account

Nine UK banks are legally required to offer you a free basic account — even with bad credit.

Should Revolut Be Your Main Bank in 2026?

Revolut is now a fully licensed UK bank, which changes the conversation around using it as your main account.

Best UK Premier Bank Accounts in 2026

We compare the UK’s main Premier and status bank accounts from Barclays, HSBC, NatWest and Lloyds.

HSBC Expat Account (Offshore) Explained

HSBC Expat is positioned as a “global hub” account — multi-currency balances, international transfers, and access to Premier credit cards. But it’s based in Jersey, with a different deposit protection scheme than the UK, and it comes with eligibility hurdles. Here’s what to know before you commit.

How to Start Saving in 2026 (Even If You’re Starting from Zero)

The start of a new year is the perfect moment to reset your finances. Whether you're starting from scratch or rebuilding after a tough year, here’s how to create strong saving habits in 2026 — with simple UK-specific strategies you can put into action today.

Best Multi-Currency Accounts in the UK (2026)

Multi-currency accounts make it easier to get paid, spend, and save in different currencies without losing money to hidden exchange fees. In this guide, we look at the real options discussed in our podcast episode - Wise, Revolut, Trading 212, Bunq, HSBC Global Money, and NatWest - and explain who each one works best for. Learn when to open a foreign currency account, how to avoid conversion markups, and what to expect when opening USD or euro accounts in the UK.