HSBC Kinetic
ProductOperating Status: Currently Offered
Mobile-first business banking app for UK SMEs offering accounts, debit cards, overdrafts, credit cards, savings, and cash flow insights.
Mobile-first business banking app for UK SMEs offering accounts, debit cards, overdrafts, credit cards, savings, and cash flow insights.
HSBC Kinetic is a mobile-first banking service designed for UK small and medium-sized enterprises. Launched in March 2021 after beta testing since 2020, the app enables business owners to apply for an account in minutes, order a debit card, manage payments, and access automatically categorised spending overviews with cash flow insights up to three months ahead.
The service includes in-app products such as overdrafts, credit cards, and savings accounts, with small business loans added subsequently. Kinetic integrates with accounting software providers including Xero, QuickBooks, and Sage, and is built on the Google Cloud platform. A monthly fee of £6.50 applies after an initial 18-month free period.
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