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Visa Electron Card

The easy way to avoid surprise overdraft charges


From 1 September 2020, the Visa Electron debit card becomes HSBC One.

You'll get a replacement HSBC One card when your Visa Electron card expires.

For more information, please speak to an adviser.

Why choose a Visa Electron Card

  • Avoid overdraft fees

    Automatically checks your account balance for every transaction

  • Free for the first year

    A debit card (payment card with systematic authorisation) for people under 18 years

  • Fee-free withdrawals

    Use it free of charge at any HSBC Group ATM at home and abroad(1)

  • Affordable annual fee

    Non-Hexagone customers pay just €35 a year.

An ideal card for young people

This card is perfect for people aged 16 to 18 years old, who want a card to help you manage your budget:

  • make international payments and withdrawals
  • check your balance to authorise every transaction
  • monitor your purchases and account balance

The Visa Electron network

This card can be used in France and abroad and benefits from the huge Visa Electron network.

Note: it isn't accepted at all outlets, such as motorway tolls and some car park pay stations.

Flexible withdrawal and payment limits

Your Visa Electron card offers the following standard limits.

These can be adjusted to suit your personal situation, and whether you bank online or in branch.

You’ll get your individual limits in your Personalised Conditions when you apply.


  • €1,200 every 7 days at HSBC France ATMs.
  • €300 every 7 days at any other ATMs(2)
  • Overall combined limit of €300/day for all ATMs

Use our locator service to find an ATM.


  • €2,000 every 30 days, of which €1,500 or the local currency equivalent can be abroad


The Visa Electron Card has an annual fee of €35.

Cash withdrawals

In France and the Eurozone:

Withdrawals in euros are free at HSBC ATMs, and subject to a charge from the fifth withdrawal at other ATMs.


In the European Economic Area: 

For card payments and cash withdrawals, currency is converted at the rate applied by Visa on the day the transaction is processed.

See our currency exchange rates, and how they compare against the European Central Bank’s (ECB) reference rates.


Outside the Eurozone:

  • withdrawals at HSBC Group ATMs are exempt from our standard charges(1)
  • withdrawals at other ATMs are subject to our fixed and proportional fees(1)

More information is available in branch and on our website in our card fees.

In case of loss or theft

Please report loss or theft immediately:

  • call free 0 800 970 179** our HSBC Customer Relations department is open 24/7.
  • at your local HSBC branch
  • in online banking: Accounts and cards France > Cards > Report a lost or stolen card

If you cancel your card online, you can order a replacement immediately after completing your report.

Always confirm your report without delay in writing to your branch. Either deliver it in person or send it by registered post.

Note: you may be liable for any debts incurred due to late cancellation, gross negligence or fraud.

Find out more

*Dial +33 810 246 810 within France (service €0.09 per call + call price) and for service outside France (cost varies by operator).

Make HSBC your main bank

Moving your accounts is child’s play with HSBC Easy.

Other cards


The high-end card with an international network


High-end travel and shopping privileges


International spending made simple

** Dial +33 800 970 179 from abroad (rates vary by operator).

(1) Note: In some countries and territories, your withdrawals may be subject to additional fees charged by the foreign bank (including HSBC banks) or by the local ATM administrator.

(2) Including ATMs operated by HSBC Group.

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