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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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Business

Merchant services & card acquiring

Take payment any way your customer wants to give it

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Overview

Card terminals, tap-to-phone, payment links, invoices and an online gateway — all settling into one account on one statement, at one published rate.

Our processing rate is quoted as a single percentage with no monthly minimum and no separate authorization fee. What you are quoted is what appears on the statement.

Why HBI

A bank that reads your interim financial statements

Business banking at HBI starts from how you trade. We look at cash conversion, customer quality and the people running the business, not only at what could be pledged as security.

From the Growth tier upward you deal with a named banker who knows your file. They have a direct line and a published response time, and they stay with the relationship as the business grows.

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What you get

Everything that is included

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

Features

  • Countertop, portable and mobile card terminals, rented or bought outright
  • Tap to phone on Android, with no terminal required
  • ACH and instant bank payments at checkout, for customers who prefer not to use a card
  • Payment links and invoices sent by text or email
  • Online gateway with hosted checkout, tokenization and 3-D Secure
  • Real-time dashboard with reconciliation files for your accounting system

What you need to qualify

  • An HBI business account for settlement
  • Business formation documents and owner identification
  • Business address and a description of what you sell
  • Higher-risk sectors are assessed individually and may require a reserve
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Pricing

Fees & rates

Published here, and the same figure you will see in your quotation.

Merchant pricing, effective January 1, 2026. The processing rate applies to the transaction value.
ChannelProcessing rateHardwareSettlement
Card present, debit1.35%From $0 (tap to phone)Next business day
Card present, credit2.60%From $0 (tap to phone)Next business day
ACH / instant bank payment0.80% (max $5)FreeImmediate
Online gateway2.90% + $0.30No hardwareNext business day
Payment link2.90% + $0.30No hardwareNext business day

Fees and rates are reviewed annually and published at least 30 days before any change takes effect. Terms and conditions apply.

Good to know

How we look after you

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

Controls come switched on

Dual authorization, account verification and user permissions are the default on business profiles. You choose to relax them; you do not have to remember to add them.

Your data feeds your books

Daily statement feeds run to QuickBooks, Xero and NetSuite, and reconciliation files are available for anything else, so month end starts from matched figures.

Decisions come with reasons

When we decline or reduce a facility we explain why and what would change the answer, so the next application is a better one.

Questions

Questions clients actually ask

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

Card card sales settle by 7 a.m. the next business day. Instant bank payments settle immediately. Weekend settlement is available for an additional 0.15%.

No. If you take nothing in a month, you pay nothing beyond any terminal rental.

Rental is $25 a month for a portable terminal including data and support, or $299 to buy outright. Tap to phone costs nothing.

A customer dispute reversing a transaction. We notify you, you have ten days to provide evidence, and we represent the case. Chargebacks are $15 each if upheld against you.

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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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