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 HSBC $500 Premier Checking Bonus - Learn More Read HSBC Review	SPECIAL OFFER 360 Checking Account - Learn More Read Capital One Review
	Benefits and Features
Savings	Premier Relationship Savings: 3.00% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)	3.00% APY
CD	3.50% to 4.50% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 4.25%. Minimum deposit of $1,000 to open.	2.70% to 4.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
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 40,000 no-fee Capital One & Allpoint ATMs
IRA CD		2.70% to 4.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%.
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

	HSBC $500 Premier Checking Bonus	360 Checking Account 360 Performance Savings - 3.00% APY Basic Business Checking
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 November 9, 2022 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 10/29/2022.

Member FDIC

HSBC Premier Checking - $500 Welcome Deposit

Get $500 Welcome Deposit

Expires 2/15/2023

Receive a $500 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
Open your new HSBC Premier checking account online, using this offer page, by February 15, 2023.
Make recurring Qualifying Direct Deposits totaling at least $10,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
You will automatically receive the $500 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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.

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