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At a glance


Get a higher interest rate in any months you don't make a withdrawal. For existing HSBC customers only. You can only open this account online.

Interest rate

Bonus rate up to £50,000: 4.00% AER / 3.93% gross

Bonus rate over £50,000: 2.30% AER / 2.28% gross

Standard rate: 2.00% AER / 1.98% gross

Often used for

Saving what you want, when you want

Bonus interest paid on months when you don't make a withdrawal (restrictions apply)


Instant access

Balance/deposit requirements

Min: £1

No maximum

Who can apply?

Eligibility criteria

  • aged 16 or over
  • an existing HSBC customer (excluding Basic Bank Account).
  • able to manage the account in online banking or via the mobile app

Find out more

Additional information

    It's easy to answer your query online. Visit our Help page to find out how.