Online Bonus Saver

Monthly Interest. Variable Rate.

Standard rates
Effective date Amount Net% Gross% AER%
20.03.09 £1 - 50,000 0.20 0.25 0.25
£50,000+ 0.20 0.25 0.25

Interest Including bonus (where you don't make a withdrawal during a month)

Effective date Amount Net% Gross% AER%
20.03.09 £1 - 50,000 0.60 0.75 0.75
£50,000+ 0.40 0.50 0.50

Regular Saver

The Savings Accounts Terms and Conditions (effective 1 December 2012) state that any Regular Saver account opened on or after 1 December 2012 will have a maximum monthly subscription limit of £200. This is not correct. Accounts opened on or after 1 December 2012 will have a maximum monthly subscription limit of £250. For these accounts, please therefore read '£250' for '£200' in clause 3 of the Savings Accounts Terms and Conditions. The subscription limits may change for future Regular Saver accounts you open, but we will tell you if this is the case.

For accounts opened on or after 3 September 2012

Only available to HSBC Premier, HSBC Advance (Graduate) and HSBC Passport customers.
Annual interest (Fixed Rate)

Effective date Amount Net% Gross% AER%
03.09.12 £25 - £250 per month 4.80 6.00 6.00
For accounts opened on or after 3 September 2012

Only available to Bank Account, Bank Account Pay Monthly and Graduate Bank Account customers
Annual Interest (Fixed Rate).

Effective date Amount Net% Gross% AER%
03.09.12 £25 - £250 per month 3.20 4.00 4.00
For accounts opened between 7 February 2011 and 2 September 2012.

Only available to HSBC Premier, HSBC Advance (Graduate) and HSBC Passport customers.
Annual interest (Fixed Rate)

Effective date Amount Net% Gross% AER%
07.02.11 £25 - £250 per month 6.40 8.00 8.00
For accounts opened between 13 March 2012 and 2 September 2012.

Only available to Bank Account, Bank Account Pay Monthly and Graduate Bank Account customers
Annual Interest (Fixed Rate).

Effective date Amount Net% Gross% AER%
13.03.12 £25 - £250 per month 4.80 6.00 6.00
For accounts opened between 7 February 2011 and 12 March 2012.

Only available to Bank Account, Bank Account Pay Monthly and Graduate Bank Account customers
Annual Interest (Fixed Rate).

Effective date Amount Net% Gross% AER%
07.02.11 £25 - £250 per month 3.20 4.00 4.00

Flexible Saver

Monthly Interest. Variable Rate.

Standard rates
Effective date Amount Net% Gross% AER%
20.03.09 Up to £10,000 0.04 0.05 0.05
£10,000+ 0.04 0.05 0.05
£50,000+ 0.04 0.05 0.05
HSBC Advance and HSBC Advance Graduate Customers only
Effective date Amount Net% Gross% AER%
20.03.09 Up to £10,000 0.08 0.10 0.10
£10,000+ 0.08 0.10 0.10
£50,000+ 0.08 0.10 0.10

HSBC Premier Savings†

Premier customers only.

Monthly Interest. Variable Rate.

Effective date Amount Net% Gross% AER%
20.03.09 Up to £50,000 0.08 0.10 0.10
£50,000+ 0.08 0.10 0.10
£100,000+ 0.08 0.10 0.10

HSBC Premier Family Savings

For 18-25 year old children of an HSBC Premier customer.

Monthly Interest. Variable Rate.

Effective date Amount Net% Gross% AER%
20.03.09 Up to £50,000 0.08 0.10 0.10
£50,000+ 0.08 0.10 0.10
£100,000+ 0.08 0.10 0.10

HSBC Loyalty Cash ISA

A Loyalty rate applies for 12 months* from the date of each payment into your ISA. If you make further payments into your ISA, your Loyalty rate period will begin again from the date of each payment. Upon the expiry of your Loyalty rate period, you will earn a standard rate of interest until you make a further payment.

Interest rates are variable and paid monthly.

* 12 months is calculated as 366 days for interest purposes to allow for leap years

HSBC Premier rates
Effective date Loyalty Rate Standard Rate
12.02.2014 1.60% AER (1.59% tax free) 0.50% AER (0.50% tax free)
HSBC Advance Rates
Effective date Loyalty Rate Standard Rate
12.02.2014 1.50% AER (1.49% tax free) 0.50% AER (0.50% tax free)
Other current account rates
Effective date Loyalty Rate Standard Rate
12.02.2014 1.40% AER (1.39% tax free) 0.50% AER (0.50% tax free)

Fixed Rate Saver

Fixed for the term of your deposit.

All net rates are rounded to 2 decimal places.

Monthly interest
Effective date Term Amount Net% Gross% AER%
03.03.14 5 years £2k+ 1.43 1.79 1.80
£50k+ 1.50 1.88 1.90
£250k+ 1.58 1.98 2.00
3 years £2k+ 1.27 1.59 1.60
£50k+ 1.35 1.69 1.70
£250k+ 1.43 1.79 1.80
2 years £2k+ 0.99 1.24 1.25
£50k+ 1.07 1.34 1.35
£250k+ 1.15 1.44 1.45
1 years £2k+ 0.80 1.00 1.00
£50k+ 0.87 1.09 1.10
£250k+ 0.95 1.19 1.20
6 months £2k+ 0.56 0.70 0.70
£50k+ 0.64 0.80 0.80
£250k+ 0.72 0.90 0.90
Annual Interest
Effective date Term Amount Net% Gross% AER%
03.03.14 5 years £2k+ 1.44 1.80 1.80
£50k+ 1.52 1.90 1.90
£250k+ 1.60 2.00 2.00
3 years £2k+ 1.28 1.60 1.60
£50k+ 1.36 1.70 1.70
£250k+ 1.44 1.80 1.80
2 years £2k+ 1.00 1.25 1.25
£50k+ 1.08 1.35 1.35
£250k+ 1.16 1.45 1.45
1 years £2k+ 0.80 1.00 1.00
£50k+ 0.88 1.10 1.10
£250k+ 0.96 1.20 1.20
6 months £2k+ 0.56 0.70 0.70
£50k+ 0.64 0.80 0.80
£250k+ 0.72 0.90 0.90
3 months £2k+ 0.40 0.50 0.50
£50k+ 0.48 0.60 0.60
£250k+ 0.56 0.70 0.70

MySavings

Monthly Interest. Variable Rate.

Effective date Amount Net% Gross% AER%
01.09.14 Up to £3,000 2.37 2.96 3.00
£3,000+ 0.40 0.50 0.50

HSBC Premier MySavings

Monthly Interest. Variable Rate.

Effective date Amount Net% Gross% AER%
06.04.12 Up to £3,000 2.37 2.96 3.00
£3,000+ 0.40 0.50 0.50

Future Saver for Children

Monthly Interest. Variable Rate.

Effective date Amount Net% Gross% AER%
20.03.09 £1+ 0.40 0.50 0.50

Investment Management Credit Interest Rates

(HSBC Premier Financial Advice):Interest credited in February, May, August and November .

Effective date Amount Net% Gross% AER%
20.03.09 Up to £50,000 0.08 0.10 0.10
£50,000+ 0.08 0.10 0.10
£100,000 and over 0.08 0.10 0.10

International Personal Savings Account

United States dollar (USD)

At present no credit interest is paid

One Euro Account (EUR)

At present no credit interest is paid

Australian dollar (AUD)

(Interest paid half yearly)

Effective Date Amount Net% Gross% AER%
10.03.09 920,000+ 0.40 0.50 0.50
460,000+ 0.20 0.25 0.25
92,000+ 0.00 0.00 0.00
46,000+ 0.00 0.00 0.00
6,000+ 0.00 0.00 0.00
Canadian dollar (CAD)

(Interest paid half yearly)

Effective Date Amount Net% Gross% AER%
10.03.09 850,000+ 0.04 0.05 0.05
400,000+ 0.00 0.00 0.00
85,000+ 0.00 0.00 0.00
40,000+ 0.00 0.00 0.00
5,000+ 0.00 0.00 0.00
Danish krone (DKK)

At present no credit interest is paid

Japanese yen (JPY)

At present no credit interest is paid

New Zealand dollar (NZD)

(Interest paid half yearly)

Effective Date Amount Net% Gross% AER%
10.03.09 1,220,000+ 0.60 0.75 0.75
610,000+ 0.40 0.50 0.50
122,000+ 0.00 0.00 0.00
61,000+ 0.00 0.00 0.00
7,300+ 0.00 0.00 0.00
Norwegian krone (NOK)

(Interest paid half yearly)

Effective Date Amount Net% Gross% AER%
10.03.09 4,600,000+ 0.20 0.25 0.25
2,260,000+ 0.00 0.00 0.00
452,000+ 0.00 0.00 0.00
226,000+ 0.00 0.00 0.00
27,000+ 0.00 0.00 0.00
Swedish krona (SEK)

(Interest paid half yearly)

Effective Date Amount Net% Gross% AER%
10.03.09 4,800,000+ 0.08 0.10 0.10
2,400,000+ 0.00 0.00 0.00
480,000+ 0.00 0.00 0.00
240,000+ 0.00 0.00 0.00
28,000+ 0.00 0.00 0.00
Swiss franc (CHF)

At present no credit interest is paid


PRODUCTS NO LONGER SOLD

Cash e-ISA#

Monthly Interest paid Tax-Free. Variable Rate.
Effective date Amount Net% Gross% AER%
01.10.14 £1 Tax-free 1.00 1.00

Variable Rate Cash ISA
Bonus ISA

*These rates apply to new Variable Rate Cash ISA's opened on or after 25 November 2013 and include a 1.0% AER bonus for 12 months. The bonus rate was 1.4% AER for accounts opened between 7 June 2012 and 24 November 2013.

Standard Rates*
Effective date Amount Net% Gross% AER%
25.11.13 £15,000+ Tax-free 1.29 1.30
£9,000+ Tax-free 1.19 1.20
Up to £9,000 Tax-free 1.19 1.20
Preferential Rates - for HSBC Premier and HSBC Advance customers
Effective date Amount Net% Gross% AER%
25.11.13 £15,000+ Tax-free 1.74 1.75
Up to £15,000 Tax-free 1.24 1.25

Online Saver

No interest is paid in any month that a withdrawal is made.

Interest paid monthly. Variable Rate. Accounts opened before 05.02.07

Effective date Amount Net% Gross% AER%
20.03.09 £1 0.20 0.25 0.25

Online Saver Offer

No interest is paid in any month that a withdrawal is made.

Interest paid monthly. Variable Rate. Accounts opened on or after 05.02.07.

Effective date Amount Net% Gross% AER%
20.03.09 £1 0.40 0.50 0.50

Instant Access Savings

Monthly interest . Variable Rate.

Effective date Amount Net% Gross% AER%
20.03.09 Up to £10,000 0.04 0.05 0.05
£10,000+ 0.04 0.05 0.05
£50,000+ 0.04 0.05 0.05

Variable Rate Cash ISA#

Monthly interest paid tax-free.

Standard rates
Effective date Amount Net% Gross% AER%
20.03.09 £15,000+ Tax-free 0.30 0.30
£9,000+ 0.20 0.20
Up to £9,000 0.20 0.20

Monthly interest paid tax-free.

Only available to HSBC Advance, HSBC Premier and HSBC Graduate (Advance) customers

Preferential rates
Effective date Amount Net% Gross% AER%
20.03.09 £15,000+ Tax-free 0.75 0.75
Up to £15,000 0.25 0.25

Fixed Rate Cash ISA#

Annual interest paid tax-free.

Standard rates
Effective date Amount Net% Gross% AER%
14.02.11 £1 Tax-free 2.40 2.40
Preferential rates

Only available to HSBC Premier, HSBC Advance and HSBC Advance (Graduate) customers

Effective date Amount Net% Gross% AER%
14.02.11 £15,000+ Tax-free 2.75 2.75
Up to £15,000 2.60 2.60

Young Savers Account

Annual Interest. Variable Interest.

Effective date Amount Net% Gross% AER%
20.03.09 £1 0.40 0.50 0.50

Young Savers Account

Monthly Interest. Variable Rate.

Effective date Amount Net% Gross% AER%
20.03.09 £1 0.40 0.50 0.50

 

Download PDF version of interest rates

Definitions

# Only available to those resident in the UK.

Private Clients Savings Account customers also receive these credit rates. Please note that this account is no longer sold. Investment Management (HSBC Premier Financial Advice): Overdraft interest on outstanding overdrawn balances is calculated daily at 3% above base rate.

AER stands for Annual Equivalent Rate. This shows you what the gross rate would be if interest were paid and compounded each year.

Net is the interest rate you'll receive after applicable tax has been deducted, currently 20%. Higher rate tax payer will have an additional liability.

Gross is the interest rate you'll receive before applicable tax is deducted from your account.

Tax free means free from UK Income Tax and Capital Gains Tax.

ISA stands for Individual Savings Account.

ESD The rate before deduction of tax applicable to interest on savings accounts. If your account is based in Jersey, credit interest may be subject to a retention tax. As an alternative you can opt to have your account details reported ultimately to your local tax authority.

All rates are variable unless otherwise indicated.