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 - Earn Up to $3,000 - 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: 3.60% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)	3.50% APY
CD	3.30% to 3.90% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 3.70%. Minimum deposit of $1,000 to open.	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking	Premier Checking to enjoy premium banking with both local and global benefits	0.10% APY
Mobile App		iOS & Android
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, MoneyPass, and Allpoint ATMs
Customer Service	24/7	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Locations	21 branches in the US; Global presence in more than 64 countries and territories worldwide	263 branches
	CreditDonkey® Reviews

Savings
Checking
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 Over 50 cafes for in-person support Cons: Other banks have higher APY
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 - Earn Up to $3,000 HSBC Premier	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. HSBC: Data points including rates, fees, terms, and benefits was obtained on 07/03/2025 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 07/02/2025.

Which is Better: HSBC or Capital One?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing HSBC or Bank of America.

Articles on HSBC Bank

HSBC Bank Review

HSBC Bank offers a global banking account ideal for those who live and work overseas. Is it right for your needs? Read on for the pros and cons.

HSBC Premier Checking

If you work, live, or travel abroad, the HSBC Premier Checking account may be what you need. Read on to see if this global checking account is right for you.