Open An Advance Account With Us - HSBC Malta

Make more of your money

Apply Online for HSBC Advance

When a casual meal means the start of a new relationship, go with it. Some of the benefits of HSBC Advance include:

free Visa Platinum credit card
free Travel insurance
loyalty reward scheme

Be ready for your every unexpected.

Eligibility

You can enjoy all the benefits of HSBC Advance, free of charge, if you:

credit into your HSBC Bank Malta p.l.c account a minimum net annual income of €25,000 to your account if applying as a sole customer, or €35,000 if applying jointly with a spouse or partner
hold a new or existing mortgage with HSBC Bank Malta p.l.c. equivalent to a minimum of €200,000 if applying as a sole customer, or a minimum of €300,000 as a joint customer with a spouse or partner*

Also, if you are a Graduate, you can enjoy all the benefits of HSBC Advance, free of charge, for a period of 3 consecutive years or for the duration of your personal loan taken with HSBC Bank Malta p.l.c. whilst such eligibility is applicable, if you:

have obtained a minimum of MQF level 6 qualification within the last 5 years*

*Your salary must be credited to your HSBC Bank Malta p.l.c. account to qualify.

Learn more about our Graduate package

To learn more about Advance eligibility and terms, please review our HSBC Advance FAQs.

Making the most of HSBC Advance

Faster access, more control

Online and on your side

Expertise and support

Preferential rates and rewards

How HSBC Advance can help you

All the services our standard bank account offers plus:

Preferential rates and terms

no fee subject to meeting the eligibility criteria¹

An account that rewards you

debit card – Free ATM withdrawals from both HSBC and non-HSBC ATMs

Find out more about the HSBC Advance Debit Card

Credit card² - No annual fee on primary and first additional card

Rewards Programme:

Earning your points is easy, just use your HSBC Advance Visa Platinum Credit Card and you'll earn one point for every €3 (including VAT) for euro (€) transactions and one point for every €1 (including VAT) for non-euro transactions of Eligible Spending. Points will be awarded for each separate transaction. Any amounts below €3 for euro transactions and amounts below €1 for non-euro transactions, and any cents in respect of each transaction, will be disregarded and will not be accumulated to your total number of points. Points will be shown on your monthly statement and are valid for up to two years from the month that they are first shown on the statement. Each redemption must be of a minimum of 5000 points.

Every time you earn 5000 points, we will credit your card account with a €20 cashback. You do not need to do anything as we’ll take care of it for you.

Find out more about HSBC Advance credit cards

Helpful HSBC services and support

in-branch personal support
priority call centre access on dedicated line from 08:00 to 22:00 (Monday to Saturday)
online banking
mobile banking³

All the services our standard bank account offers plus:

Preferential rates and terms

no fee subject to meeting the eligibility criteria¹

An account that rewards you

debit card – Free ATM withdrawals from both HSBC and non-HSBC ATMs

Find out more about the HSBC Advance Debit Card

Credit card² - No annual fee on primary and first additional card

Rewards Programme:

Earning your points is easy, just use your HSBC Advance Visa Platinum Credit Card and you'll earn one point for every €3 (including VAT) for euro (€) transactions and one point for every €1 (including VAT) for non-euro transactions of Eligible Spending. Points will be awarded for each separate transaction. Any amounts below €3 for euro transactions and amounts below €1 for non-euro transactions, and any cents in respect of each transaction, will be disregarded and will not be accumulated to your total number of points. Points will be shown on your monthly statement and are valid for up to two years from the month that they are first shown on the statement. Each redemption must be of a minimum of 5000 points.

Every time you earn 5000 points, we will credit your card account with a €20 cashback. You do not need to do anything as we’ll take care of it for you.

Find out more about HSBC Advance credit cards

Helpful HSBC services and support

in-branch personal support
priority call centre access on dedicated line from 08:00 to 22:00 (Monday to Saturday)
online banking
mobile banking³

preferential terms on HSBC home loans, personal loans and credit cards to meet your needs
a fixed preferential rate of 4.99% (5.2% APRC*) on unsecured personal loans for customers eligible for Advance through the Graduate Criteria

*Representative example:

The Annual Percentage Rate of Charge (APRC) on a Personal Loan of €10,000, repayable over 7 years at a fixed borrowing rate of 4.99% per annum will be 5.2%. The loan will be repayable in 83 equal monthly instalments of €141.63 and one final instalment of €142.44. The total amount paid after 7 years will be €11,897.73.

discount on international account opening⁴
access to HSBC Group ATMs worldwide
portable HSBC credit history⁵

Insurance policy details

As with all insurance policies, terms and conditions, exclusions and limitations apply, so before each trip you should check carefully the following documentation to see whether it meets your needs.

* This is a third party document for which we have no control, and which may be inaccessible to some users.

* This is a third party document for which we have no control, and which may be inaccessible to some users.

Important documents

Apply for HSBC Advance

New Customers

The first step to becoming an HSBC Advance is to open a Current Account. Apply online to become an HSBC Customer.

Apply online

Existing HSBC Customer

It’s quick and easy to upgrade to HSBC Advance.

Call us on +356 2148 9101 from 08:00 to 22:00 (Monday to Saturday).

Request an appointment

Apply by phone

A member of our Advance team is ready to get you started.

Call us on +356 2148 9101 from 08:00 to 22:00 (Monday to Saturday).

More information

¹You can enjoy all the benefits of HSBC Advance, free of charge, if you:

credit a minimum net annual income of €25,000 to your account if applying as a sole customer or a minimum joint net annual income of €35,000 if applying with a spouse or partner, not including money transferred from any other sole or joint personal account(s) you may hold with HSBC Bank Malta p.l.c.
hold a new or existing mortgage with HSBC Bank Malta p.l.c. equivalent to a minimum of €200,000 if applying as a sole customer, or a minimum of €300,000 if applying as a joint customer with a spouse or partner*

Also, you can enjoy all the benefits of HSBC Advance, free of charge, for a period of 3 consecutive years or for the duration of your unsecured loan taken with HSBC Bank Malta p.l.c. whilst such eligibility is applicable, if you:

have graduated within the last 5 years with a minimum of MQF level 6 qualification

*Your salary must be credited to your HSBC Bank Malta p.l.c. account to qualify.

²HSBC Advance VISA Platinum credit cards are issued by HSBC Bank Malta plc., subject to credit approval and require an HSBC Advance relationship.

³Requires you to be registered for online banking and have your credentials readily available. Data charges from your mobile service provider may apply.

⁴International account opening is not available in all countries or regions and is subject to approval based on local regulations and policies.

⁵HSBC Premier and Advance mortgages and portable HSBC credit history are not available in all countries or regions. Speak to an HSBC Representative to determine in which countries and regions these benefits are available. Subject to credit approval.