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Savings accounts interest rates

Fixed Rate Cash ISA

Online Bonus Saver

Regular Saver

Flexible Saver

HSBC Premier Savings†

HSBC Loyalty Cash ISA

Fixed Rate Saver

MySavings

HSBC Premier MySavings

Products no longer sold

Fixed Rate Cash ISA

Interest rate is fixed for the term of your deposit.
Effective date
 Amount
 AER
14 November 2025 £500+ 3.80% AER (3.80% tax-free)
Interest rate is fixed for the term of your deposit.
Effective date
 14 November 2025
Amount
 £500+
AER
 3.80% AER (3.80% tax-free)

Online Bonus Saver

Interest including bonus (Variable rate)

(Where you don't make a withdrawal in the month)
Effective date
 Amount
 Gross
 AER
20 October 2025 £1 to £50,000 3.45% 3.50%

Interest including bonus (Variable rate)

(Where you don't make a withdrawal in the month)
Effective date
 20 October 2025
Amount
 £1 to £50,000
Gross
 3.45%
AER
 3.50%

Standard rates

Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
20 October 2025 All balances 1.14% 1.15%

Standard rates

Monthly interest (variable rate)
Effective date
 20 October 2025
Amount
 All balances
Gross
 1.14%
AER
 1.15%

Regular Saver

Annual interest (fixed rate)
Effective date
 Amount
 Gross
 AER
7 October 2024 £25 to £250 per month 5.00% 5.00%
Annual interest (fixed rate)
Effective date
 7 October 2024
Amount
 £25 to £250 per month
Gross
 5.00%
AER
 5.00%

Flexible Saver

Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
20 October 2025 All balances 1.14% 1.15%
Monthly interest (variable rate)
Effective date
 20 October 2025
Amount
 All balances
Gross
 1.14%
AER
 1.15%

HSBC Premier Savings†

Any cash held in the Capital and Income cash accounts of the Premier Investment Management Service or Trust Discretionary Investment Services will be paid the interest rate set for balances over £100,000.

 

HSBC Premier Savings † is available to Premier customers only

Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
20 October 2025 Below £50,000 1.19% 1.20%
20 October 2025 £50,000 to £100,000 1.29% 1.30%
20 October 2025 Over £100,000 1.79% 1.80%

Any cash held in the Capital and Income cash accounts of the Premier Investment Management Service or Trust Discretionary Investment Services will be paid the interest rate set for balances over £100,000.

 

HSBC Premier Savings † is available to Premier customers only

Monthly interest (variable rate)
Effective date
 20 October 2025
Amount
 Below £50,000
Gross
 1.19%
AER
 1.20%
Effective date
 20 October 2025
Amount
 £50,000 to £100,000
Gross
 1.29%
AER
 1.30%
Effective date
 20 October 2025
Amount
 Over £100,000
Gross
 1.79%
AER
 1.80%

HSBC Loyalty Cash ISA

Interest rates are variable and paid monthly.

HSBC Loyalty Cash ISA – HSBC Premier rates
Effective date
 Interest rate
14 November 2025 3.00% AER (2.96% tax free)
HSBC Loyalty Cash ISA – HSBC Premier rates
Effective date
 14 November 2025
Interest rate
 3.00% AER (2.96% tax free)
HSBC Loyalty Cash ISA – Other current account rates
Effective date
 Interest rate
14 November 2025 2.50% AER (2.47% tax free)
HSBC Loyalty Cash ISA – Other current account rates
Effective date
 14 November 2025
Interest rate
 2.50% AER (2.47% tax free)

Fixed Rate Saver

Fixed for the term of your deposit.

Fixed Rate Saver – both monthly and annual interest products
Effective date
 Term Amount
 Gross
 AER
14 November 2025 1 year £2,000+ 3.70% 3.70%
14 November 2025 2 years £2,000+ 3.65% 3.65%
Fixed Rate Saver – both monthly and annual interest products
Effective date
 14 November 2025
Term 1 year
Amount
 £2,000+
Gross
 3.70%
AER
 3.70%
Effective date
 14 November 2025
Term 2 years
Amount
 £2,000+
Gross
 3.65%
AER
 3.65%

MySavings

MySavings – monthly interest (variable rate)
Balances up to £3,000
Effective date
 Gross
 AER
20 October 2025 3.93% 4.00%
MySavings – monthly interest (variable rate)
Balances up to £3,000
Effective date
 20 October 2025
Gross
 3.93%
AER
 4.00%
Balances of £3,000+
Effective date
 Gross
 AER
20 October 2025 1.19% 1.20%
Balances of £3,000+
Effective date
 20 October 2025
Gross
 1.19%
AER
 1.20%

HSBC Premier MySavings

Balances up to £3,000
Effective date
 Gross
 AER
20 October 2025 3.93% 4.00%
Balances up to £3,000
Effective date
 20 October 2025
Gross
 3.93%
AER
 4.00%
Balances of £3,000+
Effective date
 Gross
 AER
20 October 2025 1.19% 1.20%
Balances of £3,000+
Effective date
 20 October 2025
Gross
 1.19%
AER
 1.20%

Products no longer sold

Future Saver for children

Future Saver for children – Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
20 October 2025 £1+ 1.19% 1.20%
Future Saver for children – Monthly interest (variable rate)
Effective date
 20 October 2025
Amount
 £1+
Gross
 1.19%
AER
 1.20%

Help to Buy: ISA

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

Balances up to £12,000
Effective date Amount
 Gross AER
2 September 2025 Up to £200 per month 2.72% 2.75%

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

Balances up to £12,000
Effective date 2 September 2025
Amount
 Up to £200 per month
Gross 2.72%
AER 2.75%
Balances of £12,000+
Effective date Amount
 Gross AER
2 September 2025 Up to £200 per month 1.14% 1.15%
Balances of £12,000+
Effective date 2 September 2025
Amount
 Up to £200 per month
Gross 1.14%
AER 1.15%

Young Saver

Young Saver - Monthly interest (variable rate)
Effective date
 Amount
 Gross
 AER
10 August 2023 £1+ 2.23% 2.25%
Young Saver - Monthly interest (variable rate)
Effective date
 10 August 2023
Amount
 £1+
Gross
 2.23%
AER
 2.25%

Explore more

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).

Fixed vs variable rate savings accounts

 

Choose the right type of account for you.

All our savings accounts

 

Make your money grow. Choose from fixed-term or easy access accounts.

† 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 paid before any tax (where applicable) has been deducted.

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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