HSBC Bank vs Capital One

HSBC is a large full-service global bank. 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


		SPECIAL OFFER 360 Performance Savings - 1.00% APY - Learn More Read Capital One Review
	Benefits and Features
Savings	Premier Relationship Savings: 0.85% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)	0.90% APY
CD	0.65% to 1.75% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 1.25%. Minimum deposit of $1,000 to open.	0.75% to 2.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.75%
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
Customer Service	24/7	Mon-Sun: 8am - 11pm (ET)
ATMs	Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.	Over 40,000 no-fee Capital One & Allpoint ATMs
IRA CD		0.75% to 2.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.75%.
Locations	25 branches in the US; Global presence in more than 64 countries and territories worldwide	Online Only
	CreditDonkey® Reviews

Checking
Customer Service
Savings
Money Market
Mobile App
Pros & Cons	Pros: Global presence Cons: Not in every state	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Large full-service global bank... Read full review	Good online bank with access to in-person support... Read full review

		360 Performance Savings - 1.00% APY Basic Business Checking Business Savings
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 December 20, 2020 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 6/14/2022.

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