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Graduates package

Enjoy HSBC Advance benefits and more

Post-university banking made easy

Wherever life may lead you after graduation, one thing you won't need to worry about is your bank account! When you choose HSBC Malta as your main bank, you can keep your finances flexible and enjoy a wide range of benefits with our Advance Proposition for Graduates, including exclusive preferential rates on unsecured personal lending.

As an Advance Graduate, you will be eligible for our Advance Proposition for the first 3 years from application, or for the duration of any personal loan you have taken with us since graduating.


You will be eligible for HSBC Advance under the Graduates package, for 3 consecutive years, if you:

  • have obtained a minimum of MQF level 6 qualification within the last 5 years
  • can provide proof of graduation, ie. a valid Graduation Certificate
  • credit your salary to an HSBC Malta account

Benefits at a glance

Fee free day-to-day banking

  • HSBC Visa Advance International Debit Card
  • HSBC Phone Banking, Online Banking, Mobile Banking and Mobile Services
  • 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

Credit card and related benefits

  • HSBC Advance Visa Platinum Credit Card
  • free life cover on credit card debit balance
  • loyalty rewards scheme with cashback
  • travel insurance for you and your immediate family


  • preferential rates on selected loans and investments
  • a fixed preferential rate of 5.75% (6.0% APRC*) on unsecured personal loans

*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 5.75% per annum will be 6.0%. The loan will be repayable in 83 equal monthly instalments of €145.29 and one final instalment of €148.49. The total amount paid after 7 years will be €12,207.56.

Further benefits

  • Global View and free transfers between your global accounts
  • discounted MIA lounge entrance fee

How to apply

New Customers

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

Existing HSBC Customer

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

You can either opt for a face-to-face appointment at a branch, or a remote appointment by phone and email exchange without the need to visit a branch1.

Call us on +356 2148 9101 from 08:00 to 18:00 (Monday to Saturday).

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

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).

1 You can use our remote appointment if you hold an account with HSBC Bank Malta p.l.c., have updated bank records on our system, hold a valid identity document/passport and are physically located in Malta.

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