HSBC Online Banking activation

We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

Find out more
 

Online Bonus Saver

Standard rates
Effective date Amount Gross% AER%
02.06.15 £1 - 49,999 0.10 0.10
£50,000+ 0.10 0.10

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

Effective date Amount Gross% AER%
02.06.15 £1 - 49,999 0.50 0.50
£50,000+ 0.25 0.25

Regular Saver

For accounts opened on or after 3 September 2012

Only available to HSBC Premier or HSBC Advance customers.
Annual interest (Fixed Rate)

Effective date Amount Gross% AER%
03.09.12 £25 - £250 per month 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 Gross% AER%
03.09.12 £25 - £250 per month 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 Gross% AER%
07.02.11 £25 - £250 per month 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 Gross% AER%
13.03.12 £25 - £250 per month 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 Gross% AER%
07.02.11 £25 - £250 per month 4.00 4.00

Flexible Saver

Monthly Interest. Variable Rate.

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

HSBC Premier Savings†

Premier customers only.

Monthly Interest. Variable Rate.

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

Rates effective up to 28 September 2016
HSBC Premier rates
Effective date Loyalty Rate Standard Rate
11.01.2016 1.30% AER (1.29% tax free) 0.50% AER (0.50% tax free)
HSBC Advance Rates
Effective date Loyalty Rate Standard Rate
11.01.2016 1.20% AER (1.19% tax free) 0.50% AER (0.50% tax free)
Other current account rates
Effective date Loyalty Rate Standard Rate
11.01.2016 1.10% AER (1.09% tax free) 0.50% AER (0.50% tax free)
Rates effective from 29 September 2016
HSBC Premier rates
Effective date Loyalty Rate Standard Rate
29.09.16 0.90% AER (0.90% tax free) 0.50% AER (0.50% tax free)
HSBC Advance Rates
Effective date Loyalty Rate Standard Rate
29.09.16 0.80% AER (0.80% tax free) 0.50% AER (0.50% tax free)
Other current account rates
Effective date Loyalty Rate Standard Rate
29.09.16 0.70% AER (0.70% tax free) 0.50% AER (0.50% tax free)

Help to Buy: ISA

Monthly Interest. Variable Rate.

Balance Amount Gross % AER %
Up to £12,000 Up to £200 per month (additional £1,000 in first month permitted) 1.98% 2.00%
Balance above £12,000 0.05% 0.05%

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 Gross% AER%
18.08.15
3 years £2k+ 1.39 1.40
£50k+ 1.49 1.50
2 years £2k+ 1.09 1.10
£50k+ 1.19 1.20
1 years £2k+ 0.90 0.90
£50k+ 1.00 1.00
6 months £2k+ 0.70 0.70
£50k+ 0.80 0.80
Annual Interest
Effective date Term Amount Gross% AER%
18.08.15
3 years £2k+ 1.40 1.40
£50k+ 1.50 1.50
2 years £2k+ 1.10 1.10
£50k+ 1.20 1.20
1 years £2k+ 0.90 0.90
£50k+ 1.00 1.00
6 months £2k+ 0.70 0.70
£50k+ 0.80 0.80
3 months £2k+ 0.50 0.50
£50k+ 0.60 0.60

MySavings

Monthly Interest. Variable Rate.

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

HSBC Premier MySavings

Monthly Interest. Variable Rate.

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

Future Saver for Children

Monthly Interest. Variable Rate.

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

Investment Management Credit Interest Rates

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

Effective date Amount Gross% AER%
20.03.09 Up to £50,000 0.10 0.10
£50,000+ 0.10 0.10
£100,000 and over 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 Gross% AER%
10.03.09 920,000+ 0.50 0.50
460,000+ 0.25 0.25
92,000+ 0.00 0.00
46,000+ 0.00 0.00
6,000+ 0.00 0.00
Canadian dollar (CAD)

(Interest paid half yearly)

Effective Date Amount Gross% AER%
10.03.09 850,000+ 0.05 0.05
400,000+ 0.00 0.00
85,000+ 0.00 0.00
40,000+ 0.00 0.00
5,000+ 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 Gross% AER%
10.03.09 1,220,000+ 0.75 0.75
610,000+ 0.50 0.50
122,000+ 0.00 0.00
61,000+ 0.00 0.00
7,300+ 0.00 0.00
Norwegian krone (NOK)

(Interest paid half yearly)

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

(Interest paid half yearly)

Effective Date Amount Gross% AER%
10.03.09 4,800,000+ 0.10 0.10
2,400,000+ 0.00 0.00
480,000+ 0.00 0.00
240,000+ 0.00 0.00
28,000+ 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.
Rates effective up to 28 September 2016
Effective date Amount Gross% AER%
01.10.14 £1 1.00 1.00
Rates effective from 29 September 2016
Effective date Amount Gross% AER%
29.09.16 £1 0.50 0.50

Variable Rate Cash ISA
Bonus ISA

Rates effective up to 28 September 2016

*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 Gross% AER%
25.11.13 £15,000+ 1.29 1.30
£9,000+ 1.19 1.20
Up to £9,000 1.19 1.20
Preferential Rates - for HSBC Premier and HSBC Advance customers
Effective date Amount Gross% AER%
25.11.13 £15,000+ 1.74 1.75
Up to £15,000 1.24 1.25
Rates effective from 29 September 2016
Standard Rates*
Effective date Amount Gross% AER%
29.09.16 £15,000+ 0.20 0.20
£9,000+ 0.20 0.20
Up to £9,000 0.20 0.20
Standard Rates*
Effective date Amount Gross% AER%
29.09.16 £15,000+ 0.25 0.25
Up to £15,000 0.25 0.25

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 Gross% AER%
20.03.09 £1 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 Gross% AER%
20.03.09 £1 0.50 0.50

Instant Access Savings

Monthly interest . Variable Rate.

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

Variable Rate Cash ISA#

Monthly interest paid tax-free.

Rates effective up to 28 September 2016
Standard rates
Effective date Amount Gross% AER%
20.03.09 £15,000+ 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 Gross% AER%
20.03.09 £15,000+ 0.75 0.75
Up to £15,000 0.25 0.25
Rates effective from 29 September 2016
Standard rates*
Effective date Amount Gross% AER%
29.09.16 £15,000+ 0.20 0.20
£9,000+ 0.20 0.20
Up to £9,000 0.20 0.20
Preferential Rates - for HSBC Premier, HSBC Advance and HSBC Graduate (Advance) customers
Effective date Amount Gross% AER%
29.09.16 £15,000+ 0.25 0.25
Up to £15,000 0.25 0.25

Fixed Rate Cash ISA#

Annual interest paid tax-free.

Standard rates
Effective date Amount Gross% AER%
14.02.11 £1 2.40 2.40
Preferential rates

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

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

Young Savers Account

Annual Interest. Variable Interest.

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

* From 6 April 2016, all credit interest will be paid gross.

Young Savers Account

Monthly Interest. Variable Rate.

Effective date Amount Gross% AER%
20.03.09 £1 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.

Gross is the rate of interest if interest were paid and not compounded each year.

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.