HSBC Bank Malta review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
HSBC Bank Malta suits people already banking with the brand who want everyday savings alongside fixed-rate borrowing. Its 6.7% personal loan rate comes with EUR 0 (no processing fees) and free early repayment, while a €5 monthly account fee is the main cost to weigh.
Key facts
Loans
- APR
- 6.7%↗
- Loan amount
- €50,000 to €70,000↗
- Term
- 6 to 84 months↗
- Arrangement fee
- EUR 0 (no processing fees)↗
- Credit check
- Hard↗
- Funding time
- Same day on approval↗
- Representative example
- Personal Loan of €15,000 over 7 years at 6.50% fixed: 6.70% APRC, 83 monthly instalments of €222.74 plus one final instalment of €222.92, total paid €18,710.34↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Resident of Malta, aged 18 or over; existing HSBC Malta customers only↗
- Loan types
- Personal, Car, Student, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
Mortgages
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Instant access savings: pay money in and withdraw it whenever you like, on an easy access account
- Personal loans priced at 6.7% on a fixed rate, with funding Same day on approval
- EUR 0 (no processing fees) on personal loans, plus free early repayment if you settle early
- Home loans with an 2.85% initial rate, an 2.9% APRC and a 90% maximum loan to value
Cons
- The everyday account carries a €5 monthly fee
- Personal loan amounts sit at €50,000 to €70,000 over terms of 6 to 84, and eligibility is limited to existing HSBC Malta customers
- Support runs on email and phone only
Who it suits
- Malta residents who bank with HSBC Bank Malta and can pass a hard credit check for borrowing
- Homebuyers and first-time buyers in Malta, where the classic home loan runs at 2.85%
- Savers who want to pay money in and take it out whenever they like
Who should look elsewhere
- Borrowers who need more than €50,000 to €70,000 or longer than 6 to 84
- Anyone hunting for a fee-free everyday account, since the account charges €5 a month
- New customers opening a first product, as loan eligibility is limited to existing HSBC Malta customers
How HSBC Bank Malta compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.9
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Where HSBC Bank Malta is available
- Available
- Malta
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does an HSBC Bank Malta account cost each month?+
The customer account fee is €5 a month. Personal loans carry no arrangement charge, at EUR 0 (no processing fees), and early repayment is free if you settle the balance sooner. Home loans do charge a product fee of €200.
Can I get at my savings when I need it?+
Yes. The savings account is easy access: you can pay money in and withdraw it whenever you like, with no notice period. It is an easy access account, and 75.2% of the savings accounts listed on the site use that same access type.
Who can take a personal loan from HSBC Bank Malta?+
The loan is for residents of Malta who meet a minimum age and are existing HSBC Bank Malta customers. It covers personal, car, student and debt consolidation borrowing, aimed at home improvement spending, with amounts of €50,000 to €70,000 and terms of 6 to 84.
How fast is the money, and does the loan cost to set up?+
Funding is Same day on approval, and same day funding is listed among the loan features. There is no processing charge, at EUR 0 (no processing fees). The representative example shows monthly instalments with a final instalment to settle the balance.
What credit check applies to the personal loan?+
The loan runs a hard credit check, the same approach taken by 75% of the personal loans listed. HSBC Bank Malta lends directly rather than through a broker or marketplace, and the rate is fixed at 6.7%.
What are the home loan rates, and who are they for?+
The classic home loan has an 2.85% initial rate, an 2.9% APRC and a fixed period of 30, with a 90% maximum loan to value. It covers purchase, first time buyer and remortgage purposes for borrowers in Malta.
What cards does the bank offer?+
HSBC Bank Malta issues a debit card for everyday spending and a credit card for borrowing. The card offering sits alongside the savings and lending accounts, and help runs through email and phone.
How long has the bank operated in Malta?+
The bank has operated since 1999 under the name HSBC Bank Malta p.l.c., headquartered in Malta. Customers are served through email and phone, so a phone call or an email covers the main routes to help with accounts, cards and loans.
Sources
- about.hsbc.com.mt checked September 26, 2026
Backs: Founded
“In 1999, HSBC bought 70.03 per cent of Mid-Med Bank; In 2024, HSBC Bank Malta celebrated its 25th anniversary of operations in Malta and Gozo”
- hsbc.com.mt checked September 26, 2026
Backs: Card type, Headquarters
“HSBC Premier Debit Card”
- hsbc.com.mt/credit-cards checked September 26, 2026
Backs: Card kind
“Credit Cards | International Credit Card - HSBC MT”
- hsbc.com.mt/home-loans/products/classic-home-loan checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“The APRC will be 2.9% p.a.”
- hsbc.com.mt/loans/products/personal checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term, Use cases
“Maximum Loan Value: HSBC Premier €70,000, HSBC Advance €50,000, HSBC Personal Banking €50,000”
- hsbc.com.mt/rates-and-tariffs/customer-account-fee checked September 26, 2026
Backs: Legal entity, Monthly fee, Support channels
“into any of your current or savings accounts held with HSBC Bank Malta p.l.c.”
- hsbc.com.mt/savings-accounts/products/instant-access checked September 26, 2026
Backs: Access terms, Account kind
“Our Savings Account gives you the flexibility to deposit and withdraw cash whenever you need to be”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
HSBC Bank Malta
Malta residents who bank with HSBC Bank Malta and want savings, cards and loans from the same bank