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Capital One vs HSBC Bank

Capital One is a good online bank with access to in-person support. How does it compare to HSBC? Read our comparison chart below.

Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

While HSBC is a large multi-national bank and offers several checking accounts for different needs. HSBC Direct is the online banking operation and offers high interest savings for just $1 minimum deposit with no service fees.

Compare Capital One with HSBC, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 HSBC Bank
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Capital One

HSBC Bank

SPECIAL OFFER
Current Promotion - Learn More

Read Capital One Review

SPECIAL OFFER
HSBC Advance Checking - Up to $350 Cash Back - Learn More

Read HSBC Review

 

Benefits and Features

Savings
1.50% APY
HSBC Direct Savings: 1.70% APY. $1 minimum opening deposit and no monthly service fee. Deposit checks easily by taking a picture with your phone using HSBC Mobile Banking.
CD0.60% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.00%0.75% to 0.80% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 0.80%. Minimum deposit of $1,000 to open.
Checking
0.20% APY
Basic Banking: no minimum requirements; $1 monthly service fee
Choice Checking: $15 monthly service fee waived if you set up direct deposit OR maintain a minimum monthly balance of $1,500
Advance Checking: $25 monthly service fee waived if you maintain a minimum monthly balance of $5,000 in combined HSBC deposit and investment accounts.
Premier Checking: $50 monthly service fee waived if you maintain a minimum monthly balance of $75,000 in combined HSBC deposit and investment accounts.
Customer Service
Mon-Sun: 8am - 11pm (ET)
24/7
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsAny HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
IRA CD0.60% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.00%. 
Locations
Online Only
HSBC - 240+ branches, mostly on the West and East coasts
HSBC Direct - online only
 

CreditDonkey® Reviews

 HSBC Bank
Savings
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Pros:
  • Global presence
  • High online savings APY
Cons:
  • Not in every state
Bottom LineGood online bank with access to in-person support... Read full reviewLarge full-service global bank... Read full review
 Learn MoreVisit Site
What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Capital One: Pricing information from published website as of 03/28/2020.

    HSBC: Information including rates, fees, terms, and benefits was obtained on January 16, 2020 from published websites and is believed to be accurate, but not guaranteed.

    Which is Better: Capital One or HSBC?

    Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.

    In short: HSBC's savings is excellent.


    Articles on Capital One


    Articles on HSBC Bank


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