HSBC Bank vs Capital One

HSBC Bank is a large full-service global bank. How does it compare to Capital One? Read our comparison chart below.

HSBC Bank 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.

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 Bank 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 HSBC Direct Savings - 2.30% APY - Learn More Read HSBC Bank Review	SPECIAL OFFER MMA - Learn More Read Capital One Review
	Benefits and Features
Savings	HSBC Direct Savings: 2.30% APY. $1 minimum opening deposit and no monthly service fee. Deposit checks easily by taking a picture with your phone using HSBC Mobile Banking.	1% APY. No monthly service fee and no minimum deposit.
CD	0.75% to 1.30% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 0.95%. Minimum deposit of $1,000 to open.	0.60% to 2.50% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%. No deposit to open.
Checking	Basic Banking: no minimum requirements; $3 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 $10,000 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.	0.20% APY under $50,000; 0.75% APY $50,000 or more; 1.00% APY $100,000 or more. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw
Money Market		0.85% APY up to $9,999.99; 2.00% APY $10,000 or more. No monthly service fee and no minimum deposit.
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 39,000 no-fee Capital One & Allpoint ATMs
Locations	HSBC - 240+ branches, mostly on the West and East coasts HSBC Direct - online only	Online Only
	CreditDonkey® Reviews

Savings
Checking
Customer Service
Money Market
Mobile App
Pros & Cons	Pros: Global presence High online savings APY Cons: Not in every state	Pros: Overdraft protection options No account minimums 27 Capital One 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

	HSBC Direct Savings - 2.30% APY HSBC Advance Checking - $350 Bonus HSBC Premier Checking - $750 Bonus	MMA Capital One 360 Checking - $25 Offer Capital One 360 Saving - $25 Offer
What Others View		Chase Citibank Discover Bank TD Bank Bank of America Wells Fargo Ally Bank
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. HSBC Bank: Information including rates, fees, terms, and benefits was obtained on July 17, 2019 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 07/19/2019.

Which is Better: HSBC Bank or Capital One?

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

In short: HSBC Bank's savings is impressive.

Articles on HSBC Bank

HSBC Bank Review

HSBC Bank offers a full array of services for different needs, including a high-yield online savings and several checking options. But there are downsides. Read on for the pros and cons.

HSBC Online Savings

Are you tired of abysmal interest rates on your savings accounts? Maybe you've even abandoned the thought of a savings account because it just doesn't seem worth it anymore.

HSBC Advance Checking

Are you tired of not earning interest on your checking account? Maybe you want more than just check writing privileges in exchange for depositing your money. HSBC Advance Checking may make you look at banks in a different light.

HSBC Premier Checking

Are you looking for a checking account that does more than allow you to write checks? If you are a high net worth individual, the HSBC Premier Checking account may be what you need. This top-of-the-line checking account offers access to a personal Relationship Manager.

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.

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Top 10 Best Online Savings Account

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HSBC Bank vs Capital One

Benefits and Features

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