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.

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Confused by savings jargon or need to know
the basics about savings accounts?

Whether you're saving for something special or you want to start saving for a rainy day, it's important to find savings accounts that can help you reach your goals. Here are some things to consider.


Fixed rate savings

If you're saving for something in the long term - university fees or house deposit, for example - and you're sure you won't need access to your savings in the near future, you may want to consider a fixed term savings product.

Fixed term savings products can offer higher rates of interest than accounts that give you instant access to your money, but you'll be putting your money away for a set period of time - usually something between three months and five years.

You may wish to consider our:
Regular Saver
Fixed Rate Saver Bond

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Instant access savings

If you think you'll need to dip into your savings from time to time, you may want to consider an Instant access savings account that allows you to withdraw money without a penalty or loss of interest.

Some of these accounts offer bonus interest if you don't make a withdrawal. You'll need to check the rules on Notice Periods and how many withdrawals you can make in a year.

You may wish to consider our:
Online Bonus Saver
Flexible Saver
HSBC Premier Savings - exclusive to HSBC Premier customers

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Tax–efficient savings

Because of their tax advantages, ISAs are subject to annual subscription limits. The overall ISA subscription limit for the current tax year is £20,000. ISA holders will be able to put the full allowance into a cash ISA, a stocks and shares ISA, an innovative finance ISA*, a lifetime ISA* or any combination of these.

Transfers are able to be made from a stocks and shares ISA into a cash ISA and from a cash ISA into a stocks and shares ISA.

You may wish to consider our:

Loyalty Cash ISA
Stocks and Shares ISAs

*Please note HSBC do not currently offer an innovative finance ISA or a lifetime ISA

The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

The value of the tax benefits described depends on individual circumstances. The tax treatment of ISAs could change in the future.

Please note that ISA transfers are made in cash and consequently, there may be a loss of interest, income or growth while the transfer is taking place.

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Under 18s savings

We offer a savings account designed especially for children between 7 and 17 called MySavings . If your child is between 16 - 18 years old they may wish to consider opening one of our range of Cash ISAs . And if you'd like to put money into a savings account on behalf of a child, you may wish to consider our:
Future Saver for Children account .

Please note that although The Child Trust Fund has now been phased out, if you already have one you can continue to save into it. The value of investments and any income can fall as well as rise and you may get back less than you originally invested.



AER: this stands for Annual Equivalent Rate. It shows what the interest rate would be before any tax deductions if interest was paid and compounded each year.

Notice Period: with some accounts you have to let the bank know in advance if you want to take your money out, and pay a penalty or lose interest payments if you withdraw money immediately. It's wise to check the notice period required before you open a savings account.

Tax-free: free from any UK Income Tax and Capital Gains Tax.

ISA: Individual Savings Account.

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

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