Contact tel 03457 404 404
see reverse for call times
Text phone 03457 125 563
used by deaf or speech impaired customers
Jones Kim www.hsbc.co.uk
420A Uxbridge Road
LondonHammersmith Your Statement
and Fulham W12 0NR
Account Summary
Opening Balance 0.57
Payments In 9,820.00
Payments Out 9,803.54
Closing Balance 17.03
International Bank Account Number
ABCDHBUK0000001234567894
15 October to 14 November 2024 Branch Identifier Code
JUBKGB12345F
Account Name Sortcode Account Number Sheet Number
Mr Jones Kim 40-25-02 862689098 16
Your Bank Account Details
Date Payment type and details Paid out Paid in Balance
14 Oct 24 BALANCE BROUGHT FORWARD 0.57
15 Oct 24 BP GBCLONLTD
construction 9,000.00
BP C Florea
For help 1,225.00
Victor Popa
BP For my 1,900.00 5,875.57
16 Oct 24 BP V Diminet
For help 1,710.00
BP V Birca
Fie felp 600.00
G Grajdean
2,565.57
BP For help 1,000.00
24 Oct 24 BP C Florea
For rent 300.00
BP Victor Popa
For my 265.00 2,000.57
2 Nov 24 BP D CHITAN
Gift 560.00 1,440.57
14 Nov 20 BP Victor Spinei
For help 360.00
BP Victor Popa
For my 500.00
BP Victor Spinei
For help 60.00
CR VICTOR POPA
for my 70.00 590.57
BALANCE CARRIED FORWARD 590.57
Commercial Banking Customers Effective from 14 March 2024
Interest and Charges Monthly cap on unarranged overdraft charges
[Your] Business Banking Terms and Conditions cover how and when 1. Each current account will set a monthly maximum charge for:
we can charge our interest rates and charges. (a) going overdrawn when you have not arranged an overdraft; or
Details of Debit interest together with details of the interest rate we (b) going over/past your arranged overdraft limit (if you
pay and charge in full [for all accounts] are available in [our] Business have one).
Price List. All [our] business current accounts are non-interest
bearing when in credit unless we individually agree a rate with you. 2. This cap covers any:
Overdrafts: (a) interest and fees for going over/past your arranged overdraft limit;
Arranged overdraft: Where you ask us for an overdraft before (b) fees for each payment your bank allows despite lack of funds; and
making any transactions that takes your account overdrawn, or over (c) fees for each payment your bank refuses due to lack of funds.
your current arranged overdraft limit. Interest rates are individually
The monthly cap on unarranged overdraft charges for the HSBC
agreed, for a period of 12 months, and are linked to the Bank of
Advance Bank Account, HSBC Bank Account, HSBC Current Account,
England base rate. For details of our fees and charges, please refer
Home Management Account and HSBC Graduate Bank Account is £20.
to our Business Price List – see Additional Information below.
The monthly cap on unarranged overdraft charges is not applicable to
Unarranged overdraft: When you make a payment that takes your
Bank Account Pay Monthly, Basic Bank Account, Student Bank
account overdrawn if you don’t have an arranged overdraft limit, or
Account, Amanah Bank Account and MyAccount as these accounts do
takes your account over your arranged overdraft limit. When you
not incur unarranged overdraft charges.
don’t have an arranged overdraft limit, we will charge our Business
Standard Debit Interest Rate on any balances. When you have an Unarranged overdraft charges incurred before 14 March 2020 may debit
existing arranged overdraft limit and go over this limit, we will charge your account after this date (we’ll still give advance notice). Charges
interest at the rate we have agreed with you on the balance of your incurred before 14 March 2020 won’t count towards the new
arranged overdraft limit and will charge Standard Debit Interest Rate £20 cap as they’ll relate to the previous month’s charging period.
on any balance over your arranged overdraft facility. In either of Your debit card
these circumstances, unarranged overdraft charges will be applied When you use your card outside the UK, your statement will show where
on each working day that your account is overdrawn (if you don’t the transaction took place, the amount spent in foreign currency and the
have an arranged overdraft) or you go over your arranged overdraft amount converted into sterling. We also monitor transactions to protect
limit (if you have an arranged overdraft). For details of our fees and you against your card being used fraudulently. Unless you agree that the
charges, please see our Business Price List and for information on currency conversion is done at the point of sale or withdrawal and agree
our Interest Rates – see Additional Information below. the rate at that time, for example with the shopkeeper or on the self-
Your debit card service machine screen, the exchange rate that applies to any foreign
For debit card charges and how foreign currency transactions are currency debit card payments (including cash withdrawals) is the VISA
converted to sterling please refer to the Business Price List. Payment Scheme Exchange Rate applying on the day the conversion is
Additional Information made. For foreign currency transactions we will charge a fee of 2.75% of
A copy of [our] Business Price List and the Business the amount
Banking Terms and Conditions can be found on our website of the transaction. This fee will be shown as a separate line on your
www.business.hsbc.uk/en-gb/gb/generic/ statement as a ‘Foreign Currency Transaction Fee’. Details of the current
legal-information. VISA Payment Scheme Exchange Rates can be obtained from the card
support section of hsbc.co.uk or by calling us on the usual numbers. We
Information on our Interest Rates can be found on our website will deduct the payment from your account once we receive details of the
www.business.hsbc.uk/en-gb/interest-rates/interest-rates- payment from the card scheme, at the latest, the next working day. For
finance-borrowing. cash machine withdrawals in a currency other than sterling we will charge
This information is also available in our branches, by calling a Non Sterling Cash Fee of 2% (minimum
03457 60 60 60 (lines are open GMT 8am to 10pm, Monday to £1.75, maximum £5). This fee applies to all cash machines outside the
Sunday) or by textphone 0345 12 55 63. [Details of the interest UK, and to cash machines in the UK, if we convert the withdrawal to
rate we pay and charge are also separately available through Sterling for you. HSBC Advance customers are exempt from this fee.
these channels.] Some cash machine operators may apply a direct charge for
To help us continuously improve our service and in the interests of withdrawals from their cash machines and this will be advised on screen
security, we may monitor and/or record your telephone calls with us. at the time of withdrawal.
Personal Banking Customers Commercial and Personal Banking Customers
Interest Lost and Stolen Cards
Credit Interest is calculated daily on the cleared credit balance and is If any of your cards are lost or stolen please call 0800 032 7075
paid monthly if applicable (this is not paid on all accounts, e.g. Basic or if you are calling from outside the UK, please call us on
Bank Account, Bank Account and HSBC Advance). For personal +44 1442 422 929. Lines are open 24 hours.
current accounts, overdraft interest is charged on the whole overdraft Dispute Resolution
balance above any interest free amount. Debit interest is calculated If you have a problem with your agreement, please try to resolve it
daily on the cleared debit balance of your account, it accrues during with us in the first instance. If you are not happy with the way in which
your charging cycle (usually monthly) and is deducted from your we handled your complaint or the result, you may be able to complain
account following the end of your charging cycle. to the Financial Ombudsman Service. If you do not take up your
Overdrafts problem with us first you will not be entitled to complain to the
Arranged overdraft: Where you ask us for an overdraft before Ombudsman. We can provide details of how to contact the
making any transactions that takes your account overdrawn, or over Ombudsman.
your current arranged overdraft limit. Disabled Customers
Unarranged overdraft: When you make a payment that takes your We offer a number of services such as statements in Braille or large print.
account overdrawn if you don’t have an arranged overdraft, or takes Please contact us by calling 03457 60 60 60 (lines are open
your account over your arranged overdraft limit. GMT 8am to 10pm, Monday to Sunday) or textphone 0345 12 55 63
to let us know how we can serve you better.
HSBC UK Bank plc, registered in England and Wales number 009941218. Register office, 1-Cehtenary Sqaure, Brmingham B1 1HQ. Authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number 765112.
RFB1898 MCP54585 ©HSBC Group 2019
