HSBC Bank Malta

HSBC Bank Malta is the Maltese arm of the international HSBC group, and this listing places it at 78 Triq ir-Repubblika in Victoria, the capital of Gozo that Maltese speakers call Ir-Rabat Għawdex. It is the kind of address UK visitors and Gozo residents search for when they want a bank with a familiar name on the smaller of the two main islands.

The bank's own website is built for use in Malta and does not describe this individual branch, so this page covers the address and what HSBC Malta offers across the country. You will find it in our directory of banks in Malta.

Accounts and everyday banking

HSBC Malta organises its personal accounts in tiers. HSBC Premier sits at the top, HSBC Advance is the mainstream package, there is an Advance version for graduates and an HSBC Student account, and the range also includes a standard current account and a basic bank account. A switching service helps customers move across from another bank. On the savings side there are an HSBC Savings Account, an online savings account and term deposits.

The Advance debit card is available to Advance customers. It carries free phone and online banking, no HSBC charge for using your card at ATMs in Malta or worldwide, and acceptance at point-of-sale terminals without charge, although other banks may add their own fees at their machines. New cards and PINs normally arrive within seven working days. International currency accounts, foreign exchange and global transfers are also on offer, which suits people with money moving between the UK and Malta.

Borrowing, cards and home loans

For borrowing, HSBC lists personal loans, car loans, home improvement loans, student loans, energy efficiency loans and overdrafts. Home loan options include a Classic Home Loan, a buy-to-let loan and a HomeOwner Loan, and the bank runs a drawdown process for approved home loans. Credit cards include Premier, Advance, Mastercard and Visa cards, plus supplementary cards, with a comparison tool on the site.

If you are weighing up a property purchase from the UK, our guide to relocating to Malta and our Malta tax guide for UK nationals are useful companions. The wider sector is covered in our overview of financial services in Malta.

Investments, pensions and insurance

The bank also offers wealth management and financial planning, including remote financial planning and sustainable investing, plus locally managed funds such as a Malta Government Bond Fund, a Malta Bond Fund, Maltese asset funds, an international bond fund and an equity growth fund. Workplace pension plans and a retirement pension plan are available for people planning ahead.

On the insurance side the range covers life insurance, critical illness cover, loan insurance, travel insurance and building insurance. This page only names the products, and the bank itself is the right place to ask what suits your circumstances.

Digital banking, security and complaints

Customers can manage accounts through online banking, a mobile app and phone banking, with a Secure Key for logging on and mobile alerts. A security centre explains how to avoid fraud, report a lost or stolen card and dispute a transaction. A disputed card payment should reach the bank within 60 days of the transaction, and the bank suggests contacting the retailer first.

If a customer is unhappy, HSBC acknowledges a complaint within 48 hours and aims to reply within 10 working days. Complaints can be made in English or Maltese, and if the answer does not settle the matter, a customer can write to the Office of the Arbiter for Financial Services in Msida.

Visiting Victoria and sending a question

Victoria is the hub of Gozo and the natural base for sightseeing on the island. Our Gozo guide covers the Citadel and the countryside, our list of hotels in Gozo helps with accommodation, and the wider things to do in Malta page covers both islands. Check our Malta weather guide before you pack.

To ask about this location, use the VisitMalta.co.uk enquiry form on this page and we will pass your message on. For account queries involving personal details, existing HSBC customers should use the bank's secure online banking messages rather than any open channel.