Open An Advance Account With Us

Make more of your money

Apply Online for HSBC Advance

Make sure to make the most of your HSBC Advance package and enjoy all benefits, which 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 a minimum sole net annual income^ of €35,000 into your HSBC Bank Malta p.l.c. account/s; or
hold and maintain a minimum balance of €40,000 in savings or investments with HSBC Bank Malta p.l.c.

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 (other local and foreign banks may charge additional fees for the use of their ATM/s).

Find out more about the HSBC Advance Debit Card

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

Helpful HSBC services and support

in-branch personal support
priority call centre access on dedicated line +356 2148 9101 from 08:00-18:00 (Monday to Saturday)
24/7 Facebook Messenger and Online Banking secure message available
online banking
mobile banking³

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

Preferential interest rates and tariffs on selected loans
An even more advantageous preferential interest rate on unsecured personal loans for customers eligible for Advance through the Graduate criteria

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

Apply for HSBC Advance

New Customers

The first step to becoming an HSBC Advance customer 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 08:00-18:00 (Monday to Saturday).

You can also reach us any time via Facebook Messenger and Online Banking secure message available 24/7.

Request an appointment This link will open in a new window

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 18:00 (Monday to Saturday).

Fee-free insurance policies

Free travel insurance

Free travel insurance if you're an HSBC Advance customer under 76 years of age. You'll receive free multi-trip, worldwide travel insurance to cover you and your eligible family members when you're travelling.

Terms and conditions apply.

Find out more about Travel insurance

Important documents

More information

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

credit a minimum sole net annual income^ of €35,000 into your HSBC Bank Malta p.l.c. account/s; or
hold and maintain a minimum balance of €40,000 in savings or investments with HSBC Bank Malta p.l.c.

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.

^For the purpose of this requirement “income” is defined strictly as:

salary that is directly credited to your account by your employers
direct credits to your account originating from rental income, interest coupons and/or dividends affected via SEPA Payments
HSBC interest, coupons and/or dividend payments
salary or other employment income credited through online banking
rental income credited through online banking
cheque deposits greater than or equal to €500

This does not include money transferred from any other sole or joint personal account(s) you may hold with HSBC Bank Malta p.l.c.

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.

HSBC Advance