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HBI GroupBanking

Everyday banking

Accounts and cards for salaries, spending and day-to-day money — with fees you can read on one line.

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Open an account in about 10 minutesStart online with your Social Security number, a photo ID and a selfie. Most personal accounts are ready the same day.

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Accounts & payments

Operating accounts, collections and payroll for businesses from first invoice to first hundred staff.

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One account, every channelCard, ACH and instant payments settle into the same business account by 7 a.m. the next morning.

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Global markets

Rates, currency, credit and commodity risk management across US and international markets.

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Pricing in 38 currenciesSpot, forward and option pricing in every major currency and the main emerging markets.

Global markets

Private banking

A named banker, consolidated reporting and credit that understands an illiquid balance sheet.

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From $250,000 annual incomePrivate banking qualification is based on income or investable assets. Both routes are published.

Private banking

Who we are

A banking group built in 1998 around a simple idea: say the price, then keep to it.

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Our 2026 resultsGroup results, the annual report and the climate disclosure, all in one place.

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Ways to bank

Digital wallet & tap to pay

Your card on your phone, with the number hidden from the merchant

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Overview

Add your HBI cards to the HBI wallet, Apple Pay, Google Wallet or Samsung Wallet and pay by tapping your phone or watch. The merchant never receives your actual card number.

Each device gets its own token, so losing a phone does not mean cancelling a card — you remove that device and the rest keep working.

Why HBI

Every channel does the same job

Whichever way you reach us, you see the same balance and can do the same things. The app, online banking, the ATM network and the branch are four doors into one account.

We build for ordinary conditions: older phones, slow connections and people in a hurry. If something is quicker in the app than at a counter, we will tell you.

More about ways to bank
What you get

Everything that is included

The full list, not the highlights. If something is not here, it is not included.

Features

  • Apple Pay, Google Wallet, Samsung Wallet and the HBI wallet
  • Watch payments on Apple Watch and Wear OS
  • Biometric authentication on every transaction
  • In-app and online checkout wherever wallets are accepted
  • Online checkout with tokenized card details
  • Instant removal of a device from online banking or the app

What you need to qualify

  • Any active HBI debit, credit or prepaid card
  • A compatible phone or watch with NFC
  • Online banking or app registration
  • Device biometric authentication enabled
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Good to know

How we look after you

Three commitments that apply to every ways to bank product, this one included.

We never ask for your PIN

No one from HBI will ask for your password or one-time passcode by phone, email or message. Anyone who does is not us.

Changes apply immediately

Card freezes, limits and payee changes take effect the moment you confirm them, on every channel at once.

Help at any hour

The fraud and lost-card lines are answered at any hour, every day. Everything else has a published opening time and a call-back option.

Questions

Questions clients actually ask

If yours is not here, a banker will answer it directly.

Safer than the physical card, in practice. The merchant gets a token rather than your number, and every payment is authenticated biometrically.

No. Because wallet payments are biometrically authenticated, there is no per-transaction ceiling beyond your normal card limit.

Remove the device from online banking or the app. The token stops working immediately; your physical card and other devices are unaffected.

Yes. Tap to pay works offline for a limited number of transactions before the device needs to reconnect.

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Related

You may also want

Products clients commonly hold alongside this one.

Security center

How we protect you, and how to spot an approach that is not us.

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Ways to bank

Ready to take this further?

Apply online in about ten minutes, or ask a banker to call you at a time that suits.

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