Online Bonus Saver

Standard rates

Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 £1-£9,999
 0.10% 0.10%
Until 16 June 2020
 £10,000+
 0.10%
 0.10%
From 17 June 2020 £1-£9,999 0.01% 0.01%
From 17 June 2020 £10,000+ 0.01% 0.01%

Standard rates

Monthly interest (variable rate)
Effective date
Until 16 June 2020
Amount
£1-£9,999
Gross
0.10%
AER
0.10%
Effective date
Until 16 June 2020
Amount
£10,000+
Gross
0.10%
AER
0.10%
Effective date
From 17 June 2020
Amount
£1-£9,999
Gross
0.01%
AER
0.01%
Effective date
From 17 June 2020
Amount
£10,000+
Gross
0.01%
AER
0.01%

Interest including bonus

(where you don't make a withdrawal in the month)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 £1-£9,999
 0.40% 0.40%
Until 16 June 2020 £10,000+
 0.20% 0.20%
From 17 June 2020 £1-£9,999 0.05% 0.05%
From 17 June 2020 £10,000+ 0.02% 0.02%

Interest including bonus

(where you don't make a withdrawal in the month)
Effective date
Until 16 June 2020
Amount
£1-£9,999
Gross
0.40%
AER
0.40%
Effective date
Until 16 June 2020
Amount
£10,000+
Gross
0.20%
AER
0.20%
Effective date
From 17 June 2020
Amount
£1-£9,999
Gross
0.05%
AER
0.05%
Effective date
From 17 June 2020
Amount
£10,000+
Gross
0.02%
AER
0.02%

Regular Saver

Regular Saver – Only available to HSBC Premier or HSBC Advance customers, Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account and Graduate Bank Account customers.
Effective date
 Amount
 Gross
 AER
03.10.19
 £25-£250 per month
 2.75%
 2.75%
Regular Saver – Only available to HSBC Premier or HSBC Advance customers, Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account and Graduate Bank Account customers.
Effective date
03.10.19
Amount
£25-£250 per month
Gross
2.75%
AER
2.75%

Flexible Saver

Monthly interest (variable rate)

 

Standard rates
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 All balances
 0.10%
 0.10%
From 17 June 2020 All balances 0.01% 0.01%

Monthly interest (variable rate)

 

Standard rates
Effective date
Until 16 June 2020
Amount
All balances
Gross
0.10%
AER
0.10%
Effective date
From 17 June 2020
Amount
All balances
Gross
0.01%
AER
0.01%
Flexible Saver - HSBC Advance and HSBC Advance Graduate customers only
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 All balances
 0.15%
 0.15%
From 17 June 2020 All balances 0.01% 0.01%
Flexible Saver - HSBC Advance and HSBC Advance Graduate customers only
Effective date
Until 16 June 2020
Amount
All balances
Gross
0.15%
AER
0.15%
Effective date
From 17 June 2020
Amount
All balances
Gross
0.01%
AER
0.01%

HSBC Premier Savings†

This includes the Premier Investment Management Service and Premier Discretionary Managed Service cash accounts where applicable.

HSBC Premier Savings† Premier customers only

Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020
 All balances
 0.20%
 0.20%
From 17 June 2020 All balances 0.01% 0.01%

HSBC Premier Savings† Premier customers only

Monthly interest (variable rate)
Effective date
Until 16 June 2020
Amount
All balances
Gross
0.20%
AER
0.20%
Effective date
From 17 June 2020
Amount
All balances
Gross
0.01%
AER
0.01%

HSBC Loyalty Cash ISA

A loyalty rate applies for 12 months from the date of each payment into your ISA. If you make further payments into your ISA, your loyalty rate period will begin again from the date of each payment. Upon the expiry of your loyalty rate period, you will earn a standard rate of interest until you make a further payment.

Interest rates are variable and paid monthly.

HSBC Loyalty Cash ISA – HSBC Premier rates
Effective date
 Loyalty rate
 Standard rate
Until 30 April 2020
 0.75% AER/tax free
 0.50% AER/tax free
From 1 May 2020 0.20% AER/tax free 0.05% AER/tax free
HSBC Loyalty Cash ISA – HSBC Premier rates
Effective date
Until 30 April 2020
Loyalty rate
0.75% AER/tax free
Standard rate
0.50% AER/tax free
Effective date
From 1 May 2020
Loyalty rate
0.20% AER/tax free
Standard rate
0.05% AER/tax free
HSBC Loyalty Cash ISA – Other current account rates
Effective date
 Loyalty rate
 Standard rate
Until 30 April 2020 0.55% AER/tax free
 0.50% AER/tax free
From 1 May 2020 0.10% AER/tax free 0.05% AER/tax free
HSBC Loyalty Cash ISA – Other current account rates
Effective date
Until 30 April 2020
Loyalty rate
0.55% AER/tax free
Standard rate
0.50% AER/tax free
Effective date
From 1 May 2020
Loyalty rate
0.10% AER/tax free
Standard rate
0.05% AER/tax free

Fixed Rate Saver

Fixed for the term of your deposit.

Fixed Rate Saver – monthly interest
Effective date
 Term Amount
 Gross
 AER
18.12.2019
 1 years
 £2000+
 0.85%
 0.85%
18.12.2019
 2 years
 £2000+
 1.00%
 1.00%
18.12.2019
 3 years
 £2000+
 1.10%
 1.10%

Fixed Rate Saver – monthly interest
Effective date
18.12.2019
Term 1 years
Amount
£2000+
Gross
0.85%
AER
0.85%
Effective date
18.12.2019
Term 2 years
Amount
£2000+
Gross
1.00%
AER
1.00%
Effective date
18.12.2019
Term 3 years
Amount
£2000+
Gross
1.10%
AER
1.10%

Fixed Rate Saver – annual interest
Effective date
 Term Amount
 Gross
 AER
18.12.2019
 1 years
 £2000+
 0.85%
 0.85%
18.12.2019
 2 years
 £2000+
 1.00%
 1.00%
18.12.2019
 3 years
 £2000+
 1.10%
 1.10%

Fixed Rate Saver – annual interest
Effective date
18.12.2019
Term 1 years
Amount
£2000+
Gross
0.85%
AER
0.85%
Effective date
18.12.2019
Term 2 years
Amount
£2000+
Gross
1.00%
AER
1.00%
Effective date
18.12.2019
Term 3 years
Amount
£2000+
Gross
1.10%
AER
1.10%

MySavings

MySavings – monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 Up to £3,000
 2.96%
 3.00%
Until 16 June 2020 £3,000+
 0.75%
 0.75%
From 17 June 2020 Up to £3,000 2.47% 2.50%
From 17 June 2020 £3,000+ 0.25% 0.25%
MySavings – monthly interest (variable rate)
Effective date
Until 16 June 2020
Amount
Up to £3,000
Gross
2.96%
AER
3.00%
Effective date
Until 16 June 2020
Amount
£3,000+
Gross
0.75%
AER
0.75%
Effective date
From 17 June 2020
Amount
Up to £3,000
Gross
2.47%
AER
2.50%
Effective date
From 17 June 2020
Amount
£3,000+
Gross
0.25%
AER
0.25%

HSBC Premier MySavings

HSBC Premier MySavings (for 11 to 17 year old children of an HSBC Premier customer) – monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 Up to £3,000
 2.96%
 3.00%
From 16 June 2020 £3,000+
 0.75%
 0.75%
From 17 June 2020 Up to £3,000 2.47% 2.50%
From 17 June 2020 £3,000+ 0.25% 0.25%
HSBC Premier MySavings (for 11 to 17 year old children of an HSBC Premier customer) – monthly interest (variable rate)
Effective date
Until 16 June 2020
Amount
Up to £3,000
Gross
2.96%
AER
3.00%
Effective date
From 16 June 2020
Amount
£3,000+
Gross
0.75%
AER
0.75%
Effective date
From 17 June 2020
Amount
Up to £3,000
Gross
2.47%
AER
2.50%
Effective date
From 17 June 2020
Amount
£3,000+
Gross
0.25%
AER
0.25%

Future Saver for Children

Future saver for children – Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020 £1+
 0.75%
 0.75%
From 17 June 2020 £1+ 0.25% 0.25%
Future saver for children – Monthly interest (variable rate)
Effective date
Until 16 June 2020
Amount
£1+
Gross
0.75%
AER
0.75%
Effective date
From 17 June 2020
Amount
£1+
Gross
0.25%
AER
0.25%

Products no longer sold

Help to Buy: ISA

Help to Buy: ISA – monthly interest (variable rate)

Effective

date

 Balance
 Amount

Tax

free

 AER
Until 30 April 2020
 Up to £12,000
 Up to £200 per month 
 2.23%
 2.25%
Until 30 April 2020 Balances above £12,000
 Up to £200 per month 
 0.15%
 0.15%
From 1 May 2020 Up to £12,000 Up to £200 per month  1.74% 1.75%
From 1 May 2020 £12,000+ Up to £200 per month
 0.01% 0.01%
Help to Buy: ISA – monthly interest (variable rate)

Effective

date

 Until 30 April 2020
Balance
Up to £12,000
Amount
Up to £200 per month 

Tax

free

 2.23%
AER 2.25%

Effective

date

 Until 30 April 2020
Balance
Balances above £12,000
Amount
Up to £200 per month 

Tax

free

 0.15%
AER 0.15%

Effective

date

 From 1 May 2020
Balance
Up to £12,000
Amount
Up to £200 per month 

Tax

free

 1.74%
AER 1.75%

Effective

date

 From 1 May 2020
Balance
£12,000+
Amount
Up to £200 per month

Tax

free

 0.01%
AER 0.01%

Cash e-ISA

Cash e-ISA – Monthly interest paid tax-free (variable rate)
Effective date
 Amount
 Gross
 AER
Until 30 April 2020
 £1+
 0.55%
 0.55%
From 1 May 2020 £1+ 0.10% 0.10%

Cash e-ISA – Monthly interest paid tax-free (variable rate)
Effective date
Until 30 April 2020
Amount
£1+
Gross
0.55%
AER
0.55%
Effective date
From 1 May 2020
Amount
£1+
Gross
0.10%
AER
0.10%

Variable Rate Cash ISA

Variable Rate Cash ISA – Standard rates
Effective date
 Amount
 Gross
 AER
Until 30 April 2020 £1+
 0.50%
 0.50%
From 1 May 2020 £1+ 0.05% 0.05%
Variable Rate Cash ISA – Standard rates
Effective date
Until 30 April 2020
Amount
£1+
Gross
0.50%
AER
0.50%
Effective date
From 1 May 2020
Amount
£1+
Gross
0.05%
AER
0.05%

Variable Rate Cash ISA – Preferential rates
Effective date
 Amount
 Gross
 AER
Until 30 April 2020
 £1+
 0.55%
 0.55%
From 1 May 2020 £1+ 0.10% 0.10%

Variable Rate Cash ISA – Preferential rates
Effective date
Until 30 April 2020
Amount
£1+
Gross
0.55%
AER
0.55%
Effective date
From 1 May 2020
Amount
£1+
Gross
0.10%
AER
0.10%

Young Savers Account

Monthly/annual interest (variable rate)
Effective date
 Amount
 Gross
 AER
Until 16 June 2020
 £1+
 0.75%
 0.75%
From 17 June 2020 £1+ 0.25% 0.25%
Monthly/annual interest (variable rate)
Effective date
Until 16 June 2020
Amount
£1+
Gross
0.75%
AER
0.75%
Effective date
From 17 June 2020
Amount
£1+
Gross
0.25%
AER
0.25%

† Private Clients Savings Account customers also receive these credit rates. Please note that this account is no longer sold. Investment Management (HSBC Premier Financial Advice): Overdraft interest on outstanding overdrawn balances is calculated daily at 3% above base rate.

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 rate of interest if interest were paid and not compounded each year.

Tax-free means free from UK Income Tax and Capital Gains Tax.

ISA stands for Individual Savings Account.

All rates are variable unless otherwise indicated.

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