HSBC Help to Buy: ISA

Save to buy your first home.

  • Save up to £200 per calendar month and you’ll receive a UK government bonus of 25% of your balance (maximum bonus of £3,000).  Minimum balance of £1,600 applies.
  • Interest is tax-free.
  • Save an additional £1,000 in the first month to help kick-start your savings.
  • No minimum balance to open.
  • Instant access.
  • Open the account online, in branch, by post or on the phone.

2.25% AER (2.23% tax free)

on balances up to £12,000

0.15% AER/tax free

on balances over £12,000

Interest rates variable and paid monthly.

Help to Buy

HSBC Regular Saver

Save up to £3,000 at a fixed rate of interest for 12 months.
  • £25 deposit to open.
  • Deposit at least £25 a month. The monthly subscription limit is £250. However if you do not save £250 in any given month you can carry over any unused subscription to following months.
  • No partial withdrawals allowed during the 12 month period.
  • Available to HSBC current account customers.

5% AER / gross

for HSBC Premier or HSBC Advance customers

3% AER / gross

For Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account or Graduate Bank Account customer

Interest rates fixed and paid after 12 months.

 

 

HSBC Online Bonus Saver

Bonus interest in any month you don't make a withdrawal.
  • £1 deposit to open.
  • This account is exclusively opened and managed online.
  • Instant access with no charge.
  • Must be an existing HSBC customer.

  • Earn more interest in months when you don't make any withdrawals.

0.55% AER / gross

interest for the calendar months you don't make a withdrawal (0.35% AER/gross on balances over £10,000)

 

0.10% AER / gross

for any calendar month during which you make a withdrawal

 

Interest rates variable and paid monthly.

HSBC Loyalty Cash ISA

Flexible tax-free savings.
  • £1 deposit to open.
  • Receive a loyalty rate for 12 months from the date of each payment into your ISA.
  • Instant access.
  • Available to HSBC current account customers only.
  • Open the account online, in branch, by post or on the phone.

Loyalty rates

 

0.85% AER (tax free)

for HSBC Premier Account holders

0.75% AER (tax free)

for HSBC Advance Account customers

0.65% AER (tax free)

for HSBC current account customers

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.55% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

HSBC Flexible Saver

Save for whatever is important to you.
  • £1 deposit to open.
  • Instant access with no charge.
  • Open the account online, in branch or on the phone.

0.20% AER / gross

for HSBC Advance, HSBC Advance (Graduate)

0.15% AER / gross

for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers

Interest rates variable and paid monthly.

HSBC Premier Savings

Available to HSBC Premier customers only.
  • £1 deposit to open.
  • Transfer funds immediately to or from your HSBC Premier Current Account.
  • Instant access with no charge.
  • Open the account online, in branch or on the phone.

0.20% AER / gross

Interest rates variable and paid monthly.

HSBC MySavings / Premier MySavings

An easy way to save for 7-17 year olds.
  • £10 deposit to open.
  • Take out money at a branch if you need it.
  • Instant access.
  • On your 11th birthday you'll get a MyAccount which comes with an HSBC Visa debit card.
  • Open the account in branch or on the phone.

3.00% AER / 2.96% gross

on balances up to £3,000

0.75% AER / gross

on balances over £3,000

Interest rates variable and paid monthly.

HSBC Future Saver for Children

Start saving for your child's future, with an account you control.
  • £1 deposit to open.
  • Instant access.
  • Open the account online, in branch or on the phone.
  • Give the money to your child when it will help them the most.

0.75% AER / gross

Interest rates variable and paid monthly.

HSBC Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.
  • Deposit between £2,000 and £1,000,000.
  • For deposits of £50,000 or more, early withdrawals in full or in part are not permitted.
  • For balances below £50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest.
  • Open the account online, in branch or on the phone.
  • Available to HSBC current account or savings account customers (excluding Loyalty Cash ISA, Regular Saver or Basic Bank Account).

0.45% - 0.85% AER / gross

depending on amount invested and term chosen.

 

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.

Additional information

 

Confused by savings jargon or need to know the basics about savings accounts? Read our handy guide.

 

See and compare the interest rates for all HSBC savings accounts on one page.

 

Find out more about tax-efficient savings and how to make the most of your ISA allowance.

 

Find out how the Personal Savings Allowance could impact you.

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: free from personal liability to any UK Income Tax and Capital Gains Tax.