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 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 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 Advance Checking - Up to $270 Cash Bonus - Learn More Read HSBC Review	SPECIAL OFFER Current Promotion - Learn More Read Capital One Review
	Benefits and Features
Savings	HSBC Direct Savings: 1.30% APY. $1 minimum opening deposit and no monthly service fee. Deposit checks easily by taking a picture with your phone using HSBC Mobile Banking.	1.30% APY
CD	0.75% to 0.80% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 0.80%. Minimum deposit of $1,000 to open.	0.60% to 1.40% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.30%
Checking	Basic Banking: no minimum requirements; $1 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 $5,000 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
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
IRA CD		0.60% to 1.40% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.30%.
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 Advance Checking - Up to $270 Cash Bonus HSBC Advance Checking - $225 Welcome Deposit HSBC Premier Checking - Up to $700 Cash Bonus	Current Promotion 360 Performance Savings Account - $100 Bonus 360 Performance Savings Account - $200 Bonus
What Others View		Chase Discover Bank TD 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: Information including rates, fees, terms, and benefits was obtained on May 4, 2020 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 05/21/2020.

Which is Better: HSBC 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 or Chase.

In short: HSBC's savings is excellent.

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