HSBC Qormi

HSBC Qormi is one of the local branches of HSBC Bank Malta plc, the Maltese arm of the global HSBC group. Qormi sits in the middle of the island, a short drive from Valletta, Birkirkara and the business parks around the town's Central Business District, which is also where the bank keeps its HSBC Banking Centre on Mill Street. For people living or working in the central towns, the branch is a convenient place to sit down with a member of staff rather than handle everything online.

The bank sells a full range of everyday and longer-term products in Malta, and the branch is where many of them are discussed in person. On VisitMalta.co.uk it appears in our directory of banks in Malta, where you can compare it with other lenders on the island.

What you can do at the branch

Several services are designed to be handled at a branch. You can change the address on your account, send money abroad at the rate applying on the day, and report a card payment you want to dispute by speaking to the team face to face. Insurance customers can also visit to update a protection policy, alter the Direct Debit that pays for it, cancel cover, or fill in a claim notification form and hand over supporting documents.

Meetings with a Financial Planning Adviser or a Premier Relationship Manager usually take place by appointment. You request a slot, the bank phones you back, and a meeting is set at the branch you prefer. Complaints can be raised in English or Maltese, and if a matter remains unresolved it can go in writing to the Office of the Arbiter for Financial Services in Msida.

Accounts, cards and payments

Personal customers can choose between HSBC Premier, HSBC Advance, Advance for Graduates, the HSBC Student account, a standard Current Account and a Basic Bank Account, with a switching service for anyone moving their banking from another provider. Savings options include the HSBC Savings Account, an Online Savings Account and a Term Deposit Account.

Debit cards come in Premier, Advance, Student and International versions. The Premier card carries no HSBC charge for cash withdrawals at ATMs in Malta or abroad, although other banks may add their own fee, and it includes travel insurance and purchase protection. New and replacement cards normally arrive by post within seven working days. For overseas payments the bank offers foreign exchange, international currency accounts and Global View and Global Transfers. When someone sends you money from the UK there is no sort code to give: you share your IBAN and HSBC Malta's BIC, MMEBMTMT. If you are planning a move, our guide to relocating to Malta from the UK covers opening a local account in context.

Home loans and borrowing

The Classic Home Loan is aimed at buyers at any stage, from a first flat to a second home. Subject to lending criteria, it can cover up to 90% of the value of a main residence and up to 75% for a second property. The processing fee is waived, but other charges still apply: a legal fee of €200, a booking fee of €100, €41.70 for updating searches, €30 for checking the hypothec after the deed and €300 for the bank's architect. Applicants need proof of income, a Maltese identity or residence card, the preliminary agreement and an architect's valuation, plus life cover and buildings insurance.

The range also includes a Buy-to-let Loan and a HomeOwner Loan, together with personal, car, home improvement, student and energy efficiency loans, overdrafts and Premier, Advance, Mastercard and Visa credit cards. Anyone weighing up property or income in Malta may also want our overview of Malta tax for UK nationals.

Investments, pensions and insurance

For savers and investors, HSBC Malta provides wealth management and financial advice, including remote financial planning sessions and a risk tolerance questionnaire. Products include World Selection portfolios, the HSBC Portfolios Select fund range, the HSBC Euro Fixed Term Bond 2028 and locally managed funds such as the Malta Government Bond Fund, Malta Bond Fund, Maltese Assets Funds, International Bond Fund and Equity Growth Fund. Workplace pension plans and a retirement pension plan are also available.

Insurance is provided through HSBC Life Assurance (Malta) Ltd and covers life insurance, Key FIVE Critical Illness Cover, loan insurance, travel insurance, buildings insurance and Premier Purchase Protection. To see where the bank sits within the wider industry, read our introduction to financial services in Malta.

Getting in touch with HSBC Qormi

Qormi is easy to reach from most of the central and harbour towns, and many visitors base themselves among the hotels across Malta before travelling in for a meeting. Because branch visits for advice and lending are mostly booked in advance, it helps to explain briefly what you need before you go.

Tell us whether your question is about an account, a home loan, a card, insurance or investments, and add any timing that matters to you. Send it through the VisitMalta.co.uk enquiry form on this page and we will forward it to HSBC so the right person can reply.