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At a glance


Lock in a loyalty interest rate for 12 months each time you pay into your account. For current account customers only.

Interest rate

Loyalty rate: 2.85% AER (2.81% tax-free)

Premier customer loyalty rate: 3.20% AER (3.15% tax-free)

Standard rate: 2.50% AER (2.47% tax-free)

Often used for

Saving up to £20,000 when you want (restrictions apply)


Instant access

Balance/deposit requirements

Min: £1

Max: the annual subscription limit for the current tax year is £20,000. This can be saved in a cash ISA, a stocks and shares ISA, an innovative finance ISA or a lifetime ISA with either the same or different providers

Who can apply?

Eligibility criteria

  • aged 16 or over
  • resident in the UK for tax purposes
  • not already subscribing to another cash ISA in the current tax year
  • an existing HSBC current account holder

Find out more

Please read the full product information before you apply

Additional information

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