HSBC Student

(1) Offer valid when opening an account for the first time between 1st January 2022 to 31st December 2022. Specific rates reserved for students aged 18 to 28 at any one of the Bank’s partner universities. Subject to approval and the terms of the agreement. Visit your nearest branch or contact us for a list of partner universities.

(2) Can be used in conjunction with other current offers and does not apply to HSBC Continental Europe members of staff. The gift card is valid for one or more purchases in stores and online, to the nearest euro. Valid for 12 months. For a list of retail partners, go to www.illicado.com

(3) Subject to approval by the HSBC branch and in accordance with local regulations. 

(4) We would like to remind you that, under current French regulations, individuals, associations and non-commercial companies domiciled or established for tax purposes in France are required to declare accounts used, opened or closed abroad and the related income in their personal or corporate income tax return. Moreover, as soon as tax is paid on investment income, individuals must pay social contributions and, where applicable, make interim tax payments. Finally, under certain conditions, the portion of the value represented by real estate assets or shares of corporations or organisations held in these accounts must be declared for property wealth tax purposes if the holders concerned are liable to this tax. Moreover, under current regulations, individuals domiciled for tax purposes in France are required to include details in their tax return of capitalisation contracts and similar investments, particularly life insurance policies, underwritten by organisations established outside France and, where appropriate, any income earned upon surrendering these policies. Furthermore, these individuals must pay social contributions due in relation to their contract or policy. Finally, the surrender value of redeemable insurance policies and capitalisation bonds or contracts, for the portion of their value represented by units of account composed of taxable property assets, must be declared for property wealth tax purposes if the holders are liable to this tax. Tax adjustments and penalties will be applied if these obligations are not met. For further information regarding these tax obligations and declarations, we recommend that you speak to an independent advisor.

(5) Commission is nevertheless likely to be collected locally in certain countries and regions.

(6) Within the meaning of article D312-1-1 of the French Monetary and Financial Code.

(7) Preferential rate upon subscribing to the HSBC Hexagone agreement for the duration of your studies within the institution. Rate renewable each year on presentation of a valid student card. Offer only available at the Bank’s branches, subject to the Bank’s approval. Terms and conditions apply. Access to the products and services may be subject to restrictions with regard to certain persons or in certain countries.

(8) HSBC Volassur is an optional individual-membership insurance contract underwritten through HSBC Continental Europe with AIG Europe (SA). Subject to the terms of the agreement.

(9) Subject to approval. Overdraft facility available for up to 15 calendar days per month, consecutive or otherwise. Example: for an overdraft of €5150 daily for 15 days: total cost of €0.97 (including fees on the highest overdraft calculated at the rate of 0.05%) with interest rate equal to the HSBC base rate + 7%, i.e. at 21/09/2020, 14.40%. APR: 17.04%, i.e. a daily interest rate of 0.0431%.

(14) Selectra aims to present the insurance and banking providers best suited to the specific needs of students. This includes tarifs, services (loans, savings, guarantees, franchise, mobile app, etc.) and customer experience (subscription process, customer service). The classification produced by Selectra shouldn’t be considered as personal advice. To see the results and the methodology: https://selectra.info/finance/guides/comprendre/meilleure-banque-etudiante