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.
Learn more about using your tax allowances.
Find out how you could reduce the impact of inflation on your savings.

Get a £500 Selfridges Gift Card and VIP experience
Open an HSBC Premier account and either deposit £100,000 or more into savings / investments or switch your account using the Current Account Switch Service. Offer ends 28 Aug 2025.
Apply for an HSBC Premier Account between 28 Jul and 28 Aug 2025, and by 17 Oct 2025 either: a) pay in £100k+ in savings / investments or, b) complete a full switch, including your monthly salary (equivalent to an individual annual salary of £100k+) and 2+ Direct Debits.
Continue to meet the criteria until 31 Dec 2025 and you'll receive an email on or after 2 Feb 2026 to claim the offer.
Excludes existing HSBC UK and first direct current account customers. UK residents only. Further offer and Premier eligibility criteria apply[@premier-cass-offer].


Fixed Rate Cash ISA
- Earn interest tax free
- Fixed rate for up to 13 months, know the interest you will be earning
- Open with £500
- Withdrawal restrictions and an early withdrawal fee may apply

HSBC Loyalty Cash ISA
- be rewarded for your loyalty
- earn interest tax-free
- open with just £1
- instant access

Stocks & shares ISA
- start investing with £50
- choose a ready-made portfolio that's managed for you
- invest on the website or in the app
Eligibility criteria and fees may apply. You may get back less than you invested. You should aim to invest for at least 5 years.
Frequently asked questions
You might also be interested in
Help to Buy: ISA
The scheme has now closed to new applicants. But you can find out more about managing an existing ISA or transferring in.
What is an ISA?
Learn about the different types of ISA and how you could benefit from them.
What is a stocks & shares ISA?
Understand how an investment ISA works and what to consider.
Regular Savings Account
Save between £25 and £250 every month with a 12-month fixed rate account. Available to customers with a current account (excluding Appointee / Executor Account).