HSBC Basic Account / Debit Card

mu51cal

Got some good news for those people with a HSBC basic account. This account now comes with a visa debit card so no more restrictions to just using cash machines.

I rang up to upgrade my account to a full account a couple of days ago and they told me I can now get a debit card (non-contactless) on my basic account. I decided it wasn't worth running another credit check for the full account just yet.

Hope this helps a few people

HSBC has been good to me for the last 9 months - not had any issues with them

kevinspearson

Hi i just applied for this account but dont have card or anything yet - what kind of debit card is it? Does it have chip and pin?

mu51cal

Yep, mine is a visa debit. Not too sure if its an offline card or not though

mu51cal

Well I just spoke to HSBC and they said I can use it anywhere there is a chip and pin terminal, even on flights as I'm flying to Italy next week. My card starts with 4659 which i think is offline as opposed to 4658 which is offline cards

dr_adidas01

mu51cal wrote: »

Well I just spoke to HSBC and they said I can use it anywhere there is a chip and pin terminal, even on flights as I'm flying to Italy next week. My card starts with 4659 which i think is offline as opposed to 4658 which is offline cards

If you have a basic account the card will no doubt be an online card, which means it will have to dial home to the bank to find out if you have sufficient funds in your account to authorise the transaction.

So if your on an airplane and it can't dial home to authorise the transaction it will automatically be declined.

JuicyJesus

You-kip wrote: »

Having an offline debit card with a basic account is like having a sub-prime credit card dishing out 10% APR's its not going to happen.

Exactly...

mu51cal

I've used it at tesco pay at pump and on the train this morning

kevinspearson

Thats good i have this card now - recieved it today i have a nationwide flex account too and that comes with pump access for there cash card plus.

Please only advise dont slate people who are after advice! - mr know it alls

cheers mu51cal

Savvy_Money

Lets hope HSBC upgrade their online banking too

JuicyJesus

Savvy_Money wrote: »

Lets hope HSBC upgrade their online banking too

HSBC's online banking is one of the best around, if not THE best. Not exactly sure what's supposed to be wrong with it.

innovate

JuicyJesus wrote: »

HSBC's online banking is one of the best around, if not THE best.

That may be so, if you can develop a liking to their hideous keypad, without which you can't even log in.