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 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.

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

	Capital One	HSBC Bank


	SPECIAL OFFER 360 Checking Account - Learn More Read Capital One Review
	Benefits and Features
Savings	3.30% APY	Premier Relationship Savings: 3.30% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)
CD	3.30% to 4.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.15%	3.50% to 4.30% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 4.25%. Minimum deposit of $1,000 to open.
Checking	0.10% APY	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.
Customer Service	Mon-Sun: 8am - 11pm (ET)	24/7
ATMs	Over 70,000 no-fee Capital One & Allpoint ATMs	Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
Locations	Online Only	25 branches in the US; Global presence in more than 64 countries and territories worldwide
	CreditDonkey® Reviews

Savings
Checking
Money Market
Customer Service
Mobile App
CD
Pros & Cons	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks	Pros: Global presence Transfer money globally Priority customer service Cons: Limited US presence High account minimums
Bottom Line	Good online bank with access to in-person support... Read full review	Full-service global bank ideal for high net worth expats and travelers... Read full review
	360 Checking Account 360 Performance Savings - 3.30% APY Basic Business Checking
Capital One: Pricing information from published website as of 01/25/2023. HSBC: Data points including rates, fees, terms, and benefits was obtained on January 25, 2023 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 reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.

In short: Capital One's checking and mobile app are worth mentioning. In particular, the checking is outstanding.

Articles on Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.