Updated September 28, 2026 · DebitCue Editorial Team
HSBC UK vs Rahalaitos luottokorttikampanja
Rahalaitos luottokorttikampanja
HSBC UK
Higher score in this comparison
Where HSBC UK and Rahalaitos luottokorttikampanja differ
| Compare | HSBC UKReviewSee alternativesSee alternatives | Rahalaitos luottokorttikampanjaReviewVisitVisit |
|---|---|---|
| Annual fee | £0 | €0 |
| APR | 29.9% | €17.50 to €39 |
| Rewards type | None | Cashback |
| Perks | Purchase protection under section 75 of the Consumer Credit Act for purchases of £100 to £30,000, Contactless payments, Add the card to Apple Pay or Google Pay from the HSBC UK Mobile Banking app, Offers and discounts via homeandaway.hsbc.com, Freeze and unfreeze the card and check the balance in the app or online banking, Credit limit of up to £1,000, may be increased automatically | Travel insurance, Cancellation insurance, Purchase protection, Interest free payment period of 45 60 days, Apple Pay and Google Pay, Free current and savings account with the Ferratum card, 10% club discounts with the Instabank card, Fully digital card |
| Currency conversion fee | 2.75% | Not confirmed |
| Rewards rate | Not confirmed | 10 points per 1 EUR spent |
| Balance transfer intro period | 17 to 36 months | Not confirmed |
| Balance transfer fee | 3.09% to 3.49% | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- HSBC UK scores higher overall: 9.5 vs 9.1.
- Founded is lower at HSBC UK: 1836 vs 2011.
- Perks: only HSBC UK offers Purchase protection under section 75 of the Consumer Credit Act for purchases of £100 to £30,000, Contactless payments, Add the card to Apple Pay or Google Pay from the HSBC UK Mobile Banking app.
- Perks: only Rahalaitos luottokorttikampanja offers Travel insurance, Cancellation insurance, Purchase protection.
- Support channels: only HSBC UK offers Chat.
- Support channels: only Rahalaitos luottokorttikampanja offers Email.
- Features: only HSBC UK offers Multi currency, Travel.
- Features: only Rahalaitos luottokorttikampanja offers Rewards.
- Audience: only HSBC UK offers Student, Kids.
Our verdict on each
HSBC UK
HSBC UK suits UK account holders who want a fee free debit card for daily spending and a Classic credit card that costs nothing to hold. Borrowing and travel are the catch: 29.9% on the credit card and 2.75% in conversion fees abroad.
Rahalaitos luottokorttikampanja
Rahalaitos luottokorttikampanja suits Finnish businesses that want cashback on everyday card spending, paying 10 points per 1 EUR spent in rewards and adding nothing to fixed costs. It is built for companies rather than personal users, so a household cardholder will find it the wrong tool.
Score breakdown
| Area | HSBC UK | Rahalaitos luottokorttikampanja |
|---|---|---|
| Cost | 8.8The £0 monthly fee and £0 annual fee are both free, but 2.75% abroad and 29.9% on borrowing pull the score down. | 9.3HigherAnnual fee of €0 keeps holding costs low, but an APR of €17.50 to €39 is the weaker part of the cost picture. |
| Offer | 9.6 | 9.6 |
| Trust | 10.0Higher | 8.6 |
Availability and regulation
Additional countries for HSBC UK: 1. Additional countries for Rahalaitos luottokorttikampanja: 1.
How they place
| Ranking | HSBC UK | Rahalaitos luottokorttikampanja |
|---|---|---|
| Credit cards | 76 of 1020 | 25 of 1020 |
| Business credit cards | 10 of 92 | 5 of 92 |
What we checked
HSBC UK
- hsbc.co.uk: 14 facts, checked September 26, 2026
- about.hsbc.co.uk: 1 fact, checked September 26, 2026
Rahalaitos luottokorttikampanja
- rahalaitos.fi: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | HSBC UK | Rahalaitos luottokorttikampanja |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Multi currency, Travel | Rewards |
| Audience | Business, Student, KidsCovers more | Business |
| Legal entity | HSBC UK Bank plc | Sambla Group Oy |
| Headquarters | United Kingdom | Finland |
| Founded | 1836Lower | 2011 |
| Support channels | Chat, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | HSBC UK | Rahalaitos luottokorttikampanja | Median |
|---|---|---|---|
| Currency conversion fee | 2.75%highest quarter | Not confirmed | 1% |
| Balance transfer intro period | 17 to 36 monthshighest quarter | Not confirmed | 15 |
| Balance transfer fee | 3.09% to 3.49%above the median | Not confirmed | 3 |
Median across 312 listed cards.
Pros and cons
HSBC UK
Pros
- The debit card runs on the visa network with a £0 monthly fee.
- The credit card has a £0 annual fee and purchase protection under the Consumer Credit Act.
- Balance transfers cost 3.09% to 3.49% for 17 to 36, worth weighing against your current card.
Cons
- Currency conversion is the weak point at 2.75%, ranking 207 of 259 brands.
- 29.9% on the credit card sits above the 20.97% seen across the cards compared.
- Rewards on the credit card are none, so spending earns nothing back.
Rahalaitos luottokorttikampanja
Pros
- Cashback on spending at 10 points per 1 EUR spent.
- Perks include travel insurance, cancellation insurance, purchase protection, an interest-free payment period, Apple Pay and Google Pay, and a fully digital card (travel insurance, cancellation insurance and purchase protection).
- Support covers email, phone and help centre.
Cons
- Borrowing is not cheap: an APR of €17.50 to €39 against a credit card ranking median of 20.85%.
- It is a business card, so personal spending sits outside its intended use (business).
- Perks differ by card, with a current and savings account bundled only with the Ferratum card and club discounts only with the Instabank card (travel insurance, cancellation insurance and purchase protection).
Who each suits
HSBC UK
Who it suits
- UK residents wanting a fee free debit card for daily spending and a credit card in the same app.
- People who pay contactless, add the card to Apple Pay or Google Pay, and freeze it from the app.
- Households wanting one provider across a business, student or kids account, listed under business, student and kids.
Who should look elsewhere
- Wise, for frequent currency conversion: 0.1% against 2.75% here.
- Varo Believe Secured Credit Card, if a secured card with a $0 monthly fee suits you better.
- Chime Card (Secured Visa Credit Card), if a secured Visa card with a $0 monthly fee fits your spending.
Rahalaitos luottokorttikampanja
Who it suits
- Companies that want a credit card with an annual fee of €0 and cashback on everyday purchases.
- Firms that pay by phone wallet and want a fully digital card (travel insurance, cancellation insurance and purchase protection).
- Teams that value travel, cancellation and purchase protection on the card (travel insurance, cancellation insurance and purchase protection).
Who should look elsewhere
- Wise, if you want a multi-currency account rather than a business credit line; its annual fee is £0.
- Varo Believe Secured Credit Card, if you are building a credit history with a secured card, annual fee $0.
- Chime Card (Secured Visa Credit Card), which is a secured card rather than a business credit card, annual fee $0.
Current offers
HSBC UK
Current offer
Bonus
Get £220 when you switch to an HSBC Bank Account: £220
Open a Bank Account in the mobile banking app and, within 60 days, complete a full switch (including 2 Direct Debits) using the Current Account Switch Service, pay in £2,000 and spend £500 on your debit card. New customers only, HSBC Bank Account only (Basic Bank Account not eligible); cashback paid within 60 days once all qualifying criteria are met; UK residents only; not available to customers who have held an HSBC UK or first direct current account since 1 January 2023; offer may be withdrawn at any time.
Source, checked September 26, 2026
Country by country
| Country | HSBC UK | Rahalaitos luottokorttikampanja |
|---|---|---|
| Finland | No | Yes |
| United Kingdom | Yes | No |
Questions about each
HSBC UK
What does the HSBC UK debit card cost to hold and spend?+
The current account carries a £0 monthly fee, so holding it costs nothing. Spending abroad is the expensive part, with currency conversion at 2.75%. The debit card runs on the visa network, so it works at home and overseas.
What does the Classic credit card cost?+
The annual fee is £0 and the APR is 29.9%, so a carried balance is among the pricier options around. Rewards are none, so nothing comes back on spending. The card is issued by HSBC UK Bank plc.
Rahalaitos luottokorttikampanja
What does the card cost to hold each year?+
The annual fee is €0, and the card runs on a no annual fee model, so there is no fixed charge for keeping it open. Costs come from borrowing at the annual percentage rate, not from holding the card.
What rate do I pay if I carry a balance?+
The APR is €17.50 to €39, a range rather than a single rate, so borrowing cost can land anywhere inside it. The perks list an interest-free payment period, which is the cheapest way to use the card: clear the balance before that ends.
Other options to compare
Other matchups
Rahalaitos luottokorttikampanja
HSBC UK