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
	SPECIAL OFFER Referral Program - Up to $6,000 Bonus - Learn More Read HSBC Review	SPECIAL OFFER 360 Performance Savings - 4.30% APY - 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)	4.30% APY
CD	4.50% to 5.00% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 5.00%. Minimum deposit of $1,000 to open.	4.10% to 5.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.00%
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 70,000 no-fee Capital One & Allpoint ATMs
Locations	25 branches in the US; Global presence in more than 64 countries and territories worldwide	Online Only
	CreditDonkey® Reviews
Savings
CD
Checking
Customer Service
Mobile App
Money Market
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
	Referral Program - Up to $6,000 Bonus	360 Performance Savings - 4.30% APY 18-Month CD - 5.00% APY Capital One 1 Year CD - 5.00% APY
HSBC: Data points including rates, fees, terms, and benefits was obtained on 11/26/2023 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 11/13/2023.

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 Chase.

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

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 Bonus

HSBC Premier Checking is offering a $500 Welcome Deposit for eligible new customers who open an account with qualifying activities. Find out how to qualify for this promotion.

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.

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.