HSBC Savings Interest Rates

Online Bonus Saver

Online Bonus Saver: standard rates

Monthly Interest. Variable rate.
Effective date	Amount	Gross	AER
03.09.2018	£1-49,999	0.10%	0.10%
03.09.2018	£50,000+	0.10%	0.10%

Online Bonus Saver: Interest including bonus

(where you don't make a withdrawal in the month)
Effective date	Amount	Gross	AER
22.01.19	£1-£9,999	0.55%	0.55%
22.01.19	£10,000+	0.35%	0.35%
03.09.18	£1-£49,999	0.55%	0.55%
03.09.18	£50,000 +	0.35%	0.35%

Regular Saver

Regular Saver - Only available to HSBC Premier or HSBC Advance customers.
Annual interest (Fixed Rate)
Effective date	Amount	Gross%	AER%
30.09.16	£25-£250 per month	5.00	5.00

Regular Saver – Only available to Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account and Graduate Bank Account customers.
Effective date	Amount	Gross%	AER%
30.09.16	£25-£250 per month	3.00	3.00

Flexible Saver

Flexible Saver - Monthly Interest. Variable Rate.

Standard Rates
Effective date	Amount	Gross	AER
03.09.2018	All balances	0.15%	0.15%

Flexible Saver - HSBC Advance and HSBC Advance Graduate Customers only
Effective date	Amount	Gross	AER
03.09.2018	All balances	0.20%	0.20%

HSBC Premier Savings†

HSBC Premier Savings†
Premier customers only.

Monthly Interest. Variable Rate.
Effective date	Amount	Gross	AER
03.09.2018	All balances	0.20%	0.20%

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

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
03.09.2018	0.85% AER/tax free	0.55% AER/tax free

HSBC Loyalty Cash ISA - Advance rates.
Effective date	Loyalty Rate	Standard Rate
03.09.2018	0.75% AER/tax free	0.55% AER/tax free

HSBC Loyalty Cash ISA - Other current account rates.
Effective date	Loyalty Rate	Standard Rate
03.09.2018	0.65% AER/tax free	0.55% AER/tax free

Help to Buy: ISA

Help to Buy: ISA - Monthly interest. Variable rate.
Effective Date	Balance	Amount	Tax Free	AER
03.09.2018	Up to £12,000	Up to £200 per month (additional £1,000 in first month permitted)	2.23%	2.25%
03.09.2018	Balances above £12,000		0.15%	0.15%

Fixed Rate Saver

Fixed for the term of your deposit.

All net rates are rounded to 2 decimal places.

Fixed Rate Saver - Monthly interest
Effective date	Term	Amount	Gross	AER
03.09.2018	6 Months	£2k+	0.55%	0.55%
03.09.2018	6 Months	£50k+	0.55%	0.55%
03.09.2018	1 Years	£2k+	0.65%	0.65%
03.09.2018	1 Years	£50k+	0.75%	0.75%
03.09.2018	2 Years	£2k+	0.80%	0.80%
03.09.2018	2 Years	£50k+	0.80%	0.80%
03.09.2018	3 Years	£2k+	0.85%	0.85%
03.09.2018	3 Years	£50k+	0.85%	0.85%

Fixed Rate Saver - Annual interest
Effective date	Term	Amount	Gross	AER
03.09.2018	3 Months	£2k+	0.45%	0.45%
03.09.2018	3 Months	£50k+	0.45%	0.45%
03.09.2018	6 Months	£2k+	0.55%	0.55%
03.09.2018	6 Months	£50k+	0.55%	0.55%
03.09.2018	1 Years	£2k+	0.65%	0.65%
03.09.2018	1 Years	£50k+	0.75%	0.75%
03.09.2018	2 Years	£2k+	0.80%	0.80%
03.09.2018	2 Years	£50k+	0.80%	0.80%
03.09.2018	3 Years	£2k+	0.85%	0.85%
03.09.2018	3 Years	£50k+	0.85%	0.85%

MySavings

MySavings - Monthly interest. Variable rate
Effective date	Amount	Gross	AER
03.09.2018	Up to £3,000	2.96%	3.00%
03.09.2018	£3,000+	0.75%	0.75%

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
03.09.2018	Up to £3,000	2.96%	3.00%
03.09.2018	£3,000+	0.75%	0.75%

Future Saver for Children

Future saver for children: Monthly interest. Variable rate
Effective date	Amount	Gross	AER
03.09.2018	£1	0.75%	0.75%

Products no longer sold

Cash e-ISA

Cash e-ISA - Monthly Interest paid Tax-Free. Variable Rate.
Effective date	Amount	Tax free	AER
03.09.2018	£1	0.55%	0.55%

Variable Rate Cash ISA

Variable Rate Cash ISA - Standard Rates
Effective date	Amount	Tax free	AER
03.09.2018	£1+	0.50%	0.50%

Variable Rate Cash ISA - Preferential Rates
Effective date	Amount	Tax free	AER
03.09.2018	£1+	0.55%	0.55%

Online Saver

No interest is paid in any month that a withdrawal is made.

Online Saver. Interest paid monthly. Variable Rate.
Effective date	Amount	Gross	AER
03.09.2018	£1	0.35%	0.35%

Instant Access Savings

Instant Access Savings. Monthly interest. Variable rate.
Effective date	Amount	Gross	AER
03.09.2018	£1	0.15%	0.15%

Young Savers Account

Young Savers Account. Monthly/Annual interest. Variable rate.
Effective date	Amount	Gross	AER
03.09.2018	£1	0.75%	0.75%

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Definitions

# Only available to those resident in the UK.

† 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.

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.

HSBC Savings interest rates