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 | |
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360 Checking Account - | ||
Benefits and Features | ||
Savings | Premier Relationship Savings: 4.15% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY) | |
CD | 3.75% to 4.50% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 4.50%. Minimum deposit of $1,000 to open. | 3.90% to 4.75% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.75% |
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. | |
Customer Service | ||
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 | |
CreditDonkey® Reviews | ||
Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Money Market | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Full-service global bank ideal for high net worth expats and travelers... | Good online bank with access to in-person support... |
HSBC: Data points including rates, fees, terms, and benefits was obtained on 5/28/2023 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 6/04/2023. |
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.