Our highest savings rate

Put money aside each month and watch your balance grow with an HSBC Regular Saver. You can save up to £3,000 at a great interest rate that's fixed for 12 months - either 4% or 6% AER/gross.

Are you eligible for a Regular Saver? Check the full details



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.

  • Get a preferential rate of 6% AER/gross if... You're an HSBC Premier, HSBC Advance or HSBC Advance (Graduate) customer1
  • Get 4% AER/gross if... You're a Bank Account, Bank Account Pay Monthly or Graduate Bank Account customer2
  • Save for a 12-month term With Regular Saver, you save money over a 12-month fixed period. Partial withdrawals are not permitted. If you close your account early, you'll receive interest at our Flexible Saver rate
  • Earn a high rate of interest If you save £250 every month for 12 months and qualify for the 6% interest rate, you'll earn approximately £97 interest (gross)
  • Build your savings your way Even if you don't save the maximum £250 every month, you can still save £3000 over the year. You can carry your savings allowance over into the following months
  • Receive a lump sum At the end of 12 months we'll transfer your account balance into your Instant Access Savings, Flexible Saver or Premier Savings. If you have more than one of these accounts we'll pay your savings into the account which pays the best interest. And if you don't have any of these accounts, we'll convert your Regular Saver to a Flexible Saver

    Please note that the money will only be moved into accounts that have exactly the same sole or joint names as the Regular Saver account
  • Start saving from just £25 You can start your account by saving just £25 per month by standing order from your HSBC current account

Which Account:

Please select your account type.

Monthly payments:

Please enter an amount between £25 and £250 in whole pounds.

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Interest Rates - The calculator assumes that interest rates will remain the same throughout the calculation. The calculator assumes Interest payable on the Regular Saver is gross (before tax). Please note dependant on your tax bracket deductions will be made at either higher or basic tax rate. Interest is calculated on daily cleared balance and paid on first anniversary of account opening.

Length of Month - Months are of equal length. However given some months are longer than others interest accrued will vary depending upon the month. Number of Weeks/Fortnights in a Year. One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.

Deposit frequencies - The calculator assumes deposits are made at set intervals, and are always made at the same time & frequency. The frequency can be changed by the user. e.g. Monthly, Yearly.

Rounding - The calculator uses the unrounded payment to derive the amount of interest accrued over the full term of the deposit. As this is rounded down, in some cases the calculator may underestimate interest paid.

The figures provided by the calculator are a guide only and are not a precise calculation.


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 payers will have an additional liability.

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



1. HSBC Premier is subject to financial eligibility criteria. HSBC Advance Bank Account currently costs £12.95 per month. HSBC Advance has an initial 12 month contract then renewable monthly. HSBC Advance is not currently on sale.
2. HSBC Bank Account Pay monthly costs £15 per month. HSBC Bank Account requires a minimum of £500 per month to be paid into the account. This does not apply if you're under the age of 24.

Have you considered these other options?

HSBC Loyalty Cash ISA

Be rewarded for your loyalty –
See more about our Loyalty Cash ISA

Fixed Rate Saver

Know what you'll earn in advance with a Fixed Rate Saver

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