---
title: HSBC Business Overdraft Rate & Real 30-Day Cost (August 2026)
description: HSBC Business charges −£280.51 in interest for 30 days overdrawn at £25,000 (14.54% representative EAR). See the full cost table and how it compares with all 7 business overdrafts we track.
image: https://overdrafts.com/brand/og/hsbc-business.png
canonical: https://overdrafts.com/business/hsbc/
updated: 2026-08-29
---

# HSBC Business overdraft: the real cost

Pricier than most overdrafts on the board.

## What 30 days overdrawn costs

| Amount overdrawn | Interest over 30 days |
| --- | --- |
| £10,000 | −£112.20 |
| £25,000 | −£280.51 |
| £50,000 | −£561.02 |

14.54% EAR (representative) · No arrangement fee published

## How the £25,000 figure is worked out

Amount charged interest

£25,000

Daily rate from 14.54% EAR

0.0372%

Interest over 30 days

−£280.51

The table ranks interest only. HSBC Business publishes no arrangement fee for this overdraft.

#6 of 7 cheapest at £25,000 · cheapest right now: [NatWest Business →](https://overdrafts.com/business/natwest/)

## Common questions

### How much does the HSBC Business overdraft cost?

At £25,000 overdrawn for 30 days, HSBC Business charges −£280.51 in interest at its representative 14.54% EAR. At £10,000 it’s −£112.20; at £50,000, −£561.02. No arrangement fee is published.

### Is the HSBC Business business overdraft the cheapest?

Not at £25,000 overdrawn: it ranks #6 of 7 on interest. The cheapest right now is NatWest Business. Compare arrangement fees too; they sit outside the ranked figure.

### Why is the rate called representative?

Business overdrafts are priced to the applicant. The representative EAR is the rate the bank expects at least 51% of accepted customers to get, and it is the figure the bank itself publishes. Your offer can differ.

[← Back to the business leaderboard](https://overdrafts.com/business/#board)

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