HSBC Bank Malta review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

HSBC Bank Malta suits existing HSBC Malta customers who want a direct lender for a home loan or a borrowing for home improvements. Its home loan runs at an initial rate of 2.85% with an APRC of 2.9%, and personal loans cost no processing fee. Eligibility is limited to Malta residents who are adults.

Key facts

Best for
Existing HSBC Malta customers buying or remortgaging, or funding home improvements.
Initial rate
2.85% (Source, checked September 26, 2026)
APRC
2.9% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€200 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
HSBC Bank Malta p.l.c. (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
hsbc.com.mt

Loans

APR
6.7% (Source, checked September 26, 2026)
Loan amount
€50,000 to €70,000 (Source, checked September 26, 2026)
Term
6 to 84 months (Source, checked September 26, 2026)
Arrangement fee
EUR 0 (no processing fees) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day on approval (Source, checked September 26, 2026)
Representative example
Personal Loan of €15,000 over 7 years at 6.50% fixed: 6.70% APRC, 83 monthly instalments of €222.74 plus one final instalment of €222.92, total paid €18,710.34 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Resident of Malta, aged 18 or over; existing HSBC Malta customers only (Source, checked September 26, 2026)
Loan types
Personal, Car, Student, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
HSBC Bank Malta p.l.c. (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding

Apps and profiles

Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • No processing fee on personal loans, so borrowing costs start at the rate itself: EUR 0 (no processing fees)
  • Long fixed period of 30 on the home loan, which sits among the longest on the site
  • Money reaches you Same day on approval, and same-day funding is a listed feature: same day funding
  • Free early repayment lets you clear a personal loan early without a charge

Cons

  • A hard credit search is required: hard
  • Personal loan terms run 6 to 84 months and amounts start at €50,000 to €70,000, so smaller sums are out of reach
  • Borrowing sits with personal, car, student and debt consolidation loans, listed under personal, car and student, so there is no other product line
HSBC Bank Malta

Ready to try HSBC Bank Malta?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Malta residents who already bank with HSBC Malta and can pass a hard credit check
  • Homebuyers and remortgagors who want a long fixed period and can handle a product fee
  • Adults planning home improvements who want the money on the day of approval

Who should look elsewhere

  • Prestalo, if you want a lower initial rate for your home loan
  • Creditilia ES, if the initial rate matters more than the fixed period
  • Sofkredit, whose initial rate is far higher than this lender's

Who runs it

The lender is HSBC Bank Malta p.l.c., a direct lender based in Malta that has operated since 1999. It is supervised by the Malta Financial Services Authority. If a question comes up during an application, you can reach the bank by email, phone and help centre, so you are not left without a route to help while you compare options.

How HSBC Bank Malta compares

Where HSBC Bank Malta is available

Available
Malta
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a personal loan from HSBC Bank Malta cost?+

The rate is fixed, at an APR of 6.7%, and there is no processing fee, so the amount you borrow is the amount you repay. Terms run 6 to 84 months, and free early repayment is available if you want to settle it sooner.

What are the fees on the home loan?+

The home loan carries a product fee of €200. Personal loans are different: they carry no processing fee at all, with the fee listed as EUR 0 (no processing fees). Ask for the full cost illustration before you sign either product.

How much can I borrow?+

Personal loans run €50,000 to €70,000 with terms of 6 to 84 months. The home loan lends against the property instead, at a maximum loan to value of 90%, and covers purchase, first-time buyer and remortgage purposes.

How long is the home loan rate fixed for?+

The home loan is fixed for 30, which is longer than many offers on the site. That length suits people who want the same monthly payment for a long stretch.

How fast do I get the money?+

Funding is Same day on approval, and same-day funding is listed among the product features: same day funding. It suits anyone who needs money for home improvements to land quickly rather than wait weeks.

Who can apply?+

The loan is for Malta residents who are adults and existing HSBC Malta customers, so you need an HSBC Malta account before you can borrow. Applicants also pass a credit check, which is hard.

Is HSBC Bank Malta regulated?+

Yes. The legal entity behind the loans is HSBC Bank Malta p.l.c., authorised and supervised in Malta by the Malta Financial Services Authority. It lends as a direct lender rather than as a broker.

How do I get help with the application?+

You can get in touch through email, phone and help centre, which covers email, phone and a help centre. The bank has run in Malta since 1999, so its support setup is an established one rather than a new entrant.

Sources

  • about.hsbc.com.mt checked September 26, 2026

    Backs: Founded

    “In 1999, HSBC bought 70.03 per cent of Mid-Med Bank; In 2024, HSBC Bank Malta celebrated its 25th anniversary of operations in Malta and Gozo”

  • hsbc.com.mt/home-loans/products/classic-home-loan checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose, Support channels

    “The APRC will be 2.9% p.a.”

  • hsbc.com.mt/loans/products/personal checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term, Use cases

    “Maximum Loan Value: HSBC Premier €70,000, HSBC Advance €50,000, HSBC Personal Banking €50,000”

  • hsbc.com.mt/site-terms checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Approved and issued by HSBC Bank Malta p.l.c. (116, Archbishop Street, Valletta, VLT 1444, Malta).”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

HSBC Bank Malta

HSBC Bank Malta

Existing HSBC Malta customers buying or remortgaging, or funding home improvements.

9.3/10See alternatives

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