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
 

Interest Rates - please click here for full details of our current interest rates

Please note some of our Savings interest rates are reducing.
See our interest rates (pdf) for full details.

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.

Account Interest rate Ways to open Next step

Help to Buy: ISA

HTB logo

Save to buy your first home

  • Save up to £200 per calendar month and receive a UK Government bonus of 25% of your saved balance, up to a maximum bonus of £3,000.
  • Interest is tax-free
  • Save an additional £1,000 in the first month to help kick start your savings
  • No minimum balance to open
  • Instant access with no charge

2.00% AER (tax free)
on balances up to £12,000

0.05% AER (tax free)
on balances over £12,000

Interest rates variable and paid monthly

Branch

Post

Phone

Ways to open

Branch, Post, Phone

Find out more

HSBC Loyalty Cash ISA

Flexible tax-free savings

  • Receive a Loyalty rate for 12 months* from the date of each payment into your ISA
  • £1 deposit to open
  • Instant access with no charge
  • Only available to HSBC current account customers

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

Loyalty Rates:

  • 1.30% AER (1.29% tax free)
    for HSBC Premier customers
  • 1.20% AER (1.19% tax free)
    for HSBC Advance customers
  • 1.10% AER (1.09% tax free)
    for other HSBC current account holders

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.50% AER until you make a further payment

Interest rates variable and paid monthly

Online

Mobile app

Branch

Post

Phone

Ways to open

Online, Mobile app, Branch, Post, Phone

Find out more

Online Bonus Saver

Bonus interest in any month you don't make a withdrawal

  • £1 deposit to open
  • Instant access with no charge
  • This account can only be managed online

Earn 0.50% AER/gross
interest for the months you don't make a withdrawal (0.25% AER/gross on balances over £50,000)

In any calendar month you make a withdrawal you'll still receive 0.10% AER/gross

Interest rates variable and paid monthly

Online

Ways to open

Online

Find out more

Flexible Saver

Save for a wedding, holiday or a rainy day

  • £1 deposit to open
  • Instant access with no charge
  • Open as many Flexible Saver accounts as you want

0.05% AER/gross for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers

0.10% AER/gross for HSBC Advance, HSBC Advance (Graduate)

Interest rates variable and paid monthly

Online

Branch

Ways to open

Online, Branch

Find out more

HSBC Premier Savings

Only available to HSBC Premier customers

  • £1 deposit to open
  • Instant access with no charge
  • Transfer funds in real time to or from your HSBC Premier current account

0.10% AER/gross

Interest rates variable and paid monthly

Online

Branch

Ways to open

Online, Branch

Find out more

Future Saver for Children

Start saving for your child's future

  • £1 deposit to open
  • Instant access with no charge

0.50% AER/gross

Interest rates variable and paid monthly

Branch

Ways to open

Branch

Find out more

MySavings

An easy way to save for 7-17 year olds

  • £10 deposit to open
  • Instant access with no charge
  • Take out money at a branch using your Cash Book
  • On your 11th birthday you'll get a current account called MyAccount which comes with an HSBC Visa debit card

3.00% AER (2.96% gross)
on balances up to £3,000

0.50% AER/gross
on balances over £3,000

Interest rates variable and paid monthly

Branch

Ways to open

Branch

Find out more

Regular Saver

Save up to £3,000 at a fixed rate of interest for 12 months

  • £25 deposit to open
  • 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 during the 12 month period

6% AER/gross
for HSBC Premier or HSBC Advance customers

4% AER/gross
for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers

Interest rates fixed and paid after 12 months

Online

Branch

Ways to open

Online, Branch

Find out more

Fixed Rate Saver Bond

Choose to save for a fixed term of 3 months to 3 years

  • Deposit between £2,000 and £1,000,000
  • For deposits of £50,000 or more, early withdrawals in full or in part are not permitted. For balances below £50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
  • Only available to HSBC current account customers

Earn between 0.50% AER/gross and 1.50% AER/gross depending on amount invested and term chosen

Interest rates fixed and paid monthly, annually or on maturity depending upon the term

Online

Branch

Ways to open

Online, Branch

Find out more

Need more information?

View our Savings Explained page where you will find definitions of common savings terms, or use our Savings calculator to find out how much you need to save each month in order to achieve your goals.

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

FSCS Protecting your money. This link will open in a new browser window.

Need more information?

Definitions