HSBC Bank vs Capital One

HSBC is a full-service global bank ideal for high net worth expats and travelers. How does it compare to Capital One? Read our comparison chart below.

HSBC is a large multi-national bank that focuses on banking and wealth management services for international high net worth clients. With a global presence in over 64 countries, clients will access privileges around the world.

While 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.

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

	HSBC Bank	Capital One
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER HSBC Premier - Learn More Read HSBC Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	Premier Relationship Savings: 4.50% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)	4.25% APY
CD	4.00% to 4.70% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 4.70%. Minimum deposit of $1,000 to open.	3.90% to 5.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.80%
Checking	Premier Checking: $50 monthly service fee waived if you maintain a minimum balance of $75,000 in combined HSBC deposit and investment accounts, OR have at least $5,000 in total direct deposits per month.	0.10% APY
ATMs	Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.	Over 70,000 no-fee Capital One & Allpoint ATMs
Customer Service	24/7	Mon-Sun: 8am - 11pm (ET)
Locations	25 branches in the US; Global presence in more than 64 countries and territories worldwide	273 branches
	CreditDonkey® Reviews

Savings
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Global presence Transfer money globally Priority customer service Cons: Limited US presence High account minimums	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Full-service global bank ideal for high net worth expats and travelers... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	HSBC Premier Referral Program - Up to $6,000 Bonus	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Savings Account - $300 Bonus
HSBC: Data points including rates, fees, terms, and benefits was obtained on 04/11/2024 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 04/13/2024.

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