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Business banking

Low rates, great savings

Bira has negotiated business banking rates with service partner HSBC, just for you. Enjoy savings with HSBC Small Business Tariff.

We’re currently working with HSBC to revise the rates for Bira members.

For new users, HSBC will advise you on the best rates for your business when you open your account.

For existing users, you do not have to do anything at the moment but you may benefit from a rates review by calling the Bira membership team on 0121 446 6688 opt. 1.

How you'll benefit
You can enjoy low rates and significant savings against the HSBC Small Business Tariff.
      • Low business banking rates
      • FREE business banking for 18 months (as a new HSBC customer)*1
      • FREE 24/7 online banking*2
      • No monthly account maintenance fee
      • Access to HSBC’s telephone banking services*3
      • FREE ATM withdrawals in the UK (some independent operators may apply a charge)
      • No standard transaction charges on your account excluding any international payments
      • Next day crediting when using the Global Payments card processing scheme
      • No Post Office charges for 18 months (as a new HSBC customer)*4

*Terms and condition in Important Information section below

We’re working with Bira approved service partner, HSBC, to help bring down the cost of your business banking, and you can now enjoy low rates and significant savings against their Small Business Tariff. If you’re new to HSBC you’ll even get the first 18 months for free.

With a HSBC business account you can use your business debit card at the Post Office counter to check your balance on your current account, withdraw cash from your current account and  deposit cash into your current account. Cash withdrawals will be deducted from your daily withdrawal limit.


The safeguarding programme is an on-going programme to update and validate the information HSBC hold on all business customers. As part of the programme a business customer will have to provide information about themselves and the nature of their business.

The first phase of this programme is complete and all business customers have received a letter to request them to provide the required information. It is important these requests are responded to in a timely manner so that the information gathered can be processed, which typically can take up to 3 months to be processed, verified and approved. Failure, to respond to this letter will result in HSBC closing the business bank account.

Safeguard FAQ

If you are a Bira member and have an HSBC business account, you can use your business debit card at the Post Office counter to:

  • Check your balance on your current account
  • Withdraw cash from your current account
  • Deposit cash into your current account
  • Cash withdrawals will be deducted from your daily withdrawal limit.

You can also deposit cheques using a pre-printed HSBC credit slip. This will take one day longer to reach your account than those paid in at HSBC branches, if you pay your cheque in before the Post Office® branch cut-off time. Please ask your Post Office® branch for details of the cut-off time. You will also need to use an HSBC Post Office® cheque deposit envelope which is available from Post Office® branch counters.

In certain circumstances, subject to status, we may offer a cheque encashment service at Post Office® branches to customers who are unable to use a Chip and PIN card. Please contact HSBC for further information regarding this service.

Please note that the terms we’ve negotiated apply to businesses throughout the UK with an annual turnover of up to £10 million.



HSBC preferential rates do not cover retailers in the Isle of Man

*1 Free banking means that HSBC won’t charge an account maintenance fee or for payments into your account covered by their standard account charges

*2 Subject to planned periods of maintenance

*3 To help us continually improve our service and in the interests of security, we may monitor and/or record your telephone call

*4 Excluded from this are paying in and withdrawing cash at the Post Office

Start saving time and money on your business banking today

Bira members can login to access exclusive information

If you’re already a Bira member and want to take advantage of this service, simply login to view contact details for this service as well as exclusive member-only information.

If you’re not currently a Bira member, but you are interested in preferential member benefits, find out more by joining us .

Alternatively, you can contact our membership team on 0800 028 0245