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Find out how you can save with individual savings accounts

ISAs: a smart way to save

ISAs are a tax-efficient way to save. You pay no tax on the interest earned on a Cash ISA. And no tax on income or growth from a stocks & shares ISA. That's why many people choose to maximise their ISA allowance every year.

The value of any tax benefits described depends upon your individual circumstances. Tax rules may change in future.

Want to know more about using your tax allowances? Visit our tax hub

  • In 2020/21, you can save up to a maximum of £20,000 – in a lump sum or spread out over the tax year.
  • Save with an HSBC Cash ISA or stocks & shares ISA or a combination of the two.
  • be rewarded for your loyalty
  • earn interest tax-free
  • open with just £1
  • instant access
  • browse a range of different ways to invest
  • start with as little as £50 per month if you want some investment advice
  • start with £100 if you choose your own investments

Eligibility criteria and fees may apply. You may get back less than you invested. You should aim to invest for at least 5 years.

Other ways to save and invest

There's more than one way to make your money work harder. Whatever your goals, putting something aside today could have a big impact on your future.

The value of investments can go down as well as up and you could get back less than you paid in. Investing should be seen as a medium- to long-term commitment, so you should be prepared to invest for at least 5 years. Eligibility criteria and fees apply.

You might also be interested in


The Help to Buy: ISA has now closed to new applicants. But you can find out more about managing an existing ISA.


Learn about the different types of ISA and how you could benefit from them.


Find out how an investment ISA works and what you need to consider.


Maximise your savings with 2.75% AER/gross, fixed for 12 months.

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