Make the most of your money
We have a range of savings accounts to meet your needs,
whether you want instant access to your cash, a fixed rate
or an account you can manage online.
- Show all
Savings accounts - I want
instant access - I want a
fixed rate - I want to be
tax efficient - I want an
online account - I am
under 18
Cash e-ISA
Online flexible tax-free savings
INTEREST RATE
Up to 2.75% AER tax-free variable
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant Access
No charge
Brief highlights
- 2.75% AER for balances over £15,000
- 2.10% AER for balances between £9,000 and £15,000
- 1.75% AER for balances up to £9,000
- Tax-free interest on your money
- All interest rates are variable
- Interest is paid monthly at the variable rate
- If you have fully subscribed your tax-free allowance in a tax year, any amount withdrawn cannot be reinvested until the following tax year.
- The value of the tax benefits described depends on individual circumstances. The tax treatment of ISAs could change in the future.
- This product is only available to existing HSBC current account customers.
Regular Saver
Save a fixed amount at a fixed rate of interest for 12 months
INTEREST RATE
Up to 8.00% AER/gross
(selected customers only)
MINIMUM AMOUNT TO OPEN
£25
ACCESS
Fixed term of 12 months
No partial withdrawals allowed
Brief highlights
- 8% AER/gross for HSBC Premier, HSBC Advance, HSBC Advance (Graduate) or HSBC Passport customers
- 4% AER/gross for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers
- An easy, convenient way to save for 12 months
- A great fixed rate of interest which you will receive one year after you open your account
- Deposit at least £25 a month. The monthly subscription limit is £250. However if you do not save £250 in any given month you can carry over any unused subscription to following months
- No partial withdrawals allowed
- For example: if you invest £250 a month, you will save the maximum balance of £3000 during the 12 month term, at 8% interest, you will earn approximately £130 interest (gross)
Online Bonus Saver
Earn bonus interest in any month you don't make a withdrawal
INTEREST RATE
Variable rate of 0.75% AER/gross
(including bonus interest for making no withdrawals, otherwise you'll get 0.25% AER/gross)
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant access
No charge
Brief highlights
- Minimum £1 deposit (one account permitted per customer).
- Earn 0.75% AER/gross interest for the months you don't make a withdrawal (0.50% AER/gross on balances over £50,000)
- Earn 0.25% AER/gross standard interest in any calendar month you make a withdrawal
- Balances over £50,000 earn a lower rate of interest (interest is paid monthly at a variable rate) Manage your account online at the click of a button
Flexible Saver
Save for a wedding, holiday or a rainy day
INTEREST RATE
0.05% AER/gross variable
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant access
No charge
Brief highlights
- Minimum £1 deposit
- Suitable for lump sums or regular payments
- Set up standing orders to make regular payments
- Monthly interest can be diverted into an HSBC current account
- Transfer funds instantly to or from your HSBC current account
- Preferential rates for HSBC Advance customers
Variable Rate Cash ISA
Flexible tax-free savings
INTEREST RATE
Up to 1.75% AER tax-free variable
Includes a fixed 1% bonus
for the first 12 months
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant Access
No charge
Brief highlights
- 1.75% AER for HSBC Premier, HSBC Advance and HSBC Graduate (Advance) customers with balances over £15,000
- 1.25% AER for Premier, HSBC Advance and HSBC Graduate (Advance) with balances under £15,000
- 1.30% AER for all other customers with balances over £15,000
- 1.20% AER for all other customers with balances under £15,000
- These rates include a 1% bonus rate for new accounts for the first 12 months
- Tax-free interest on your money
- Interest rates are variable
- If you have fully subscribed your tax-free allowance in a tax year, any amount withdrawn cannot be reinvested until the following tax year.
- The value of the tax benefits described depends on individual circumstances. The tax treatment of ISAs could change in the future.
- This product is only available to existing HSBC current account customers.
Fixed Rate Cash ISA
Fixed for one year
INTEREST RATE
Up to 2.75% AER tax-free
MINIMUM AMOUNT TO OPEN
£5,340
ACCESS
No access for 12 months
(fee applies for early closure)
Brief highlights
- 2.75% AER for HSBC Premier, HSBC Advance and HSBC Graduate (Advance) customers with balances over £15,000
- 2.60% AER for HSBC Premier, HSBC Advance and HSBC Graduate (Advance) customers with balances under £15,000
- 2.40% AER for all other customers
- Tax-free interest on your money
- Rate is fixed for 12 months
- Interest is paid at the end of the first 12 months
- No access or partial withdrawals. £100 fee applies for early closure
- If you have fully subscribed your tax-free allowance in a tax year, any amount withdrawn cannot be reinvested until the following tax year
- The value of the tax benefits described depends on individual circumstances. The tax treatment of ISAs could change in the future
- This product is only available to existing HSBC current account customers.
Fixed Rate Saver Bond
Put your money to work with a great interest rate
INTEREST RATE
1.00% to 3.30% AER/gross
MINIMUM AMOUNT TO OPEN
£2,000
ACCESS
Fixed terms to choose from, withdrawal conditions apply
Brief highlights
- Choose a fixed term from 3 months to 5 years
- Choose to deposit between a minimum of £2,000 to a maximum of £1,000,000
- Interest is fixed, so you know exactly what you'll earn. Interest is paid either monthly, annually, or on maturity (depending upon the term)
- Earn higher rates on balances of £50,000 or more
- For deposits of £50,000 or more, early withdrawals in full or in part ar not permitted
- For balances below £50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
- This product is only available to existing HSBC current account customers.
HSBC Premier Savings
A straightforward and flexible saving option
INTEREST RATE
0.10% AER/gross variable
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant access
No charge
Brief highlights
- Real-time transfer of funds
- Minimum deposit of only £1
- Suitable for regular savings, ad hoc payments and lump sums
- Instant access to your funds
- No notice necessary for withdrawals
- Exclusive to HSBC Premier customers
- Tiered rates of interest
- Interest is paid monthly
High Interest Savings Account for Children
Start saving for your child's future
INTEREST RATE
0.50% AER/gross variable
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant access
No charge
Brief highlights
- Minimum deposit of only £1
- Earn interest monthly
- Suitable for regular savings and lump sums
- Instant access to your funds
MySavings
Watch your money grow with this straightforward savings account
INTEREST RATE
0.50% AER/gross
MINIMUM AMOUNT TO OPEN
£1
ACCESS
Instant access
No charge
Brief highlights
- An easy way to save if you're 7 to 17 years old
- Minimum deposit of £1
- Receive monthly interest (variable rate) on your savings
- Learn to be responsible for your own money
- On your 11th birthday we'll also open you a current account called MyAccount. Both accounts form a package called MyMoney
Money Market
Flexible savings to meet your needs
INTEREST RATE
Fixed – Interest rate fixed for term
Call/Notice – Interest rate variable
MINIMUM AMOUNT TO OPEN
£50,000
ACCESS
Fixed – Partial withdrawals are not permitted.
Notice – Withdrawals can be made subject to notice requirements.
Call – No notice is required for withdrawals
Brief highlights
- We match the term of your deposit to your individual needs and agree a rate that is personal to you
- £50,000 is the minimum balance required to open a Call/Notice or fixed term account.
- Deposits can be accepted on a Fixed term or Call/Notice basis
- Monthly interest option available for all Call/Notice accounts and for Fixed term accounts of 6 months and longer. Daily interest option available for Call accounts.
- Deposits can be viewed through Internet Banking, and transfers can be made to and from Call/Notice accounts
- This product is only available to existing HSBC current account or savings account customers.
International Personal Savings Account
Ideal if you move funds abroad regularly
INTEREST RATE
MINIMUM AMOUNT TO OPEN
No minimum
ACCESS
Instant access with no charge and/or fixed term with fee for early withdrawal
Brief highlights
- Available in a wide range of foreign currencies
- £5 or currency equivalent monthly fee on US Dollar, One Europe or World Currency Savings Accounts.
- Choose between instant access and fixed term deposits
- Currency Instant Access Savings Account:
- No minimum balance required
- Immediate access to cleared funds on instant access account.
- Fixed Term Deposit Account:
- For Canadian Dollars, Euro, Japanese Yen, Swiss Francs and US Dollars, a minimum balance of US$10,000 or currency equivalent is required.
- Other currencies require a minimum balance of the currency equivalent of US$15,000
- Optional automatic renewal of your original deposit, plus interest on maturity, for the same period
- The is a minimum £150 fee for early withdrawal
Definitions
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 interest rate before the deduction of tax applicable to interest on savings accounts.
- About HSBC
- Site map
- Newsroom
- Legal
- Accessibility
- HSBC Group
- © HSBC Bank plc 2012
