Our Best Savings Rates - Savings Interest Rates

Online Bonus Saver

Standard rates

Monthly interest (variable rate)
Effective date	Amount	Gross	AER
18.12.19	£1-£9,999	0.10%	0.10%
18.12.19	£10,000+	0.10%	0.10%

Standard rates

Monthly interest (variable rate)
Effective date	18.12.19
Amount	£1-£9,999
Gross	0.10%
AER	0.10%

Effective date	18.12.19
Amount	£10,000+
Gross	0.10%
AER	0.10%

Interest including bonus

(where you don't make a withdrawal in the month)
Effective date	Amount	Gross	AER
18.12.19	£1-£9,999	0.40%	0.40%
18.12.19	£10,000+	0.20%	0.20%

Interest including bonus

(where you don't make a withdrawal in the month)
Effective date	18.12.19
Amount	£1-£9,999
Gross	0.40%
AER	0.40%

Effective date	18.12.19
Amount	£10,000+
Gross	0.20%
AER	0.20%

Regular Saver

Regular Saver – Only available to HSBC Premier or HSBC Advance customers, Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account and Graduate Bank Account customers.
Effective date	Amount	Gross	AER
03.10.19	£25-£250 per month	2.75%	2.75%

Regular Saver – Only available to HSBC Premier or HSBC Advance customers, Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account and Graduate Bank Account customers.
Effective date	03.10.19
Amount	£25-£250 per month
Gross	2.75%
AER	2.75%

Flexible Saver

Monthly interest (variable rate)

Standard rates
Effective date	Amount	Gross	AER
18.12.2019	All balances	0.10%	0.10%

Monthly interest (variable rate)

Standard rates
Effective date	18.12.2019
Amount	All balances
Gross	0.10%
AER	0.10%

Flexible Saver - HSBC Advance and HSBC Advance Graduate customers only
Effective date	Amount	Gross	AER
18.12.2019	All balances	0.15%	0.15%

Flexible Saver - HSBC Advance and HSBC Advance Graduate customers only
Effective date	18.12.2019
Amount	All balances
Gross	0.15%
AER	0.15%

HSBC Premier Savings†

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

HSBC Premier Savings† Premier customers only

Monthly interest (variable rate)

Effective date

Amount

Gross

AER

18.12.2019

All balances

0.20%

HSBC Premier Savings† Premier customers only

Monthly interest (variable rate)

Effective date

18.12.2019

Amount

All balances

Gross

0.20%

AER

0.20%

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
18.12.2019	0.75% AER/tax free	0.50% AER/tax free

HSBC Loyalty Cash ISA – HSBC Premier rates
Effective date	18.12.2019
Loyalty rate	0.75% AER/tax free
Standard rate	0.50% AER/tax free

HSBC Loyalty Cash ISA – Other current account rates
Effective date	Loyalty rate	Standard rate
18.12.2019	0.55% AER/tax free	0.50% AER/tax free

HSBC Loyalty Cash ISA – Other current account rates
Effective date	18.12.2019
Loyalty rate	0.55% AER/tax free
Standard rate	0.50% AER/tax free

Fixed Rate Saver

Fixed for the term of your deposit.

Fixed Rate Saver – monthly interest

Effective date

Term

Amount

Gross

AER

18.12.2019

1 years

£2000+

0.85%

18.12.2019

2 years

£2000+

1.00%

18.12.2019

3 years

£2000+

1.10%

Fixed Rate Saver – monthly interest

Effective date

18.12.2019

Term

1 years

Amount

£2000+

Gross

0.85%

AER

0.85%

Effective date

18.12.2019

Term

2 years

Amount

£2000+

Gross

1.00%

AER

1.00%

Effective date

18.12.2019

Term

3 years

Amount

£2000+

Gross

1.10%

AER

1.10%

Fixed Rate Saver – annual interest

Effective date

Term

Amount

Gross

AER

18.12.2019

1 years

£2000+

0.85%

18.12.2019

2 years

£2000+

1.00%

18.12.2019

3 years

£2000+

1.10%

Fixed Rate Saver – annual interest

Effective date

18.12.2019

Term

1 years

Amount

£2000+

Gross

0.85%

AER

0.85%

Effective date

18.12.2019

Term

2 years

Amount

£2000+

Gross

1.00%

AER

1.00%

Effective date

18.12.2019

Term

3 years

Amount

£2000+

Gross

1.10%

AER

1.10%

MySavings

MySavings – monthly interest (variable rate)
Effective date	Amount	Gross	AER
18.12.2019	Up to £3,000	2.96%	3.00%
18.12.2019	£3,000+	0.75%	0.75%

MySavings – monthly interest (variable rate)
Effective date	18.12.2019
Amount	Up to £3,000
Gross	2.96%
AER	3.00%

Effective date	18.12.2019
Amount	£3,000+
Gross	0.75%
AER	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
18.12.2019	Up to £3,000	2.96%	3.00%
18.12.2019	£3,000+	0.75%	0.75%

HSBC Premier MySavings (for 11 to 17 year old children of an HSBC Premier customer) – monthly interest (variable rate)
Effective date	18.12.2019
Amount	Up to £3,000
Gross	2.96%
AER	3.00%

Effective date	18.12.2019
Amount	£3,000+
Gross	0.75%
AER	0.75%

Future Saver for Children

Future saver for children – Monthly interest (variable rate)
Effective date	Amount	Gross	AER
18.12.2019	£1+	0.75%	0.75%

Future saver for children – Monthly interest (variable rate)
Effective date	18.12.2019
Amount	£1+
Gross	0.75%
AER	0.75%

Products no longer sold

Help to Buy: ISA

Help to Buy: ISA – monthly interest (variable rate)
Effective date	Balance	Amount	Tax free	AER
18.12.2019	Up to £12,000	Up to £200 per month (additional £1,000 in first month permitted)	2.23%	2.25%
18.12.2019	Balances above £12,000		0.15%	0.15%

Help to Buy: ISA – monthly interest (variable rate)
Effective date	18.12.2019
Balance	Up to £12,000
Amount	Up to £200 per month (additional £1,000 in first month permitted)
Tax free	2.23%
AER	2.25%

Effective date	18.12.2019
Balance	Balances above £12,000
Amount
Tax free	0.15%
AER	0.15%

Cash e-ISA

Cash e-ISA – Monthly interest paid tax-free (variable rate)

Effective date

Amount

Gross

AER

18.12.2018

£1+

0.55%

Cash e-ISA – Monthly interest paid tax-free (variable rate)

Effective date

18.12.2018

Amount

£1+

Gross

0.55%

AER

0.55%

Variable Rate Cash ISA

Variable Rate Cash ISA – Standard rates
Effective date	Amount	Gross	AER
18.12.2018	£1+	0.50%	0.50%

Variable Rate Cash ISA – Standard rates
Effective date	18.12.2018
Amount	£1+
Gross	0.50%
AER	0.50%

Variable Rate Cash ISA – Preferential rates

Effective date

Amount

Gross

AER

18.12.2018

£1+

0.55%

Variable Rate Cash ISA – Preferential rates

Effective date

18.12.2018

Amount

£1+

Gross

0.55%

AER

0.55%

Young Savers Account

Monthly/annual interest (variable rate)
Effective date	Amount	Gross	AER
18.12.2018	£1+	0.75%	0.75%

Monthly/annual interest (variable rate)
Effective date	18.12.2018
Amount	£1+
Gross	0.75%
AER	0.75%

Download PDF version of interest rates for HSBC Savings accounts Download

† 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 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.

Savings accounts interest rates

Online Bonus Saver

Regular Saver

Flexible Saver

HSBC Premier Savings†

HSBC Loyalty Cash ISA

Fixed Rate Saver

MySavings

HSBC Premier MySavings

Future Saver for Children

Products no longer sold

Help to Buy: ISA

Cash e-ISA

Variable Rate Cash ISA

Young Savers Account

Definitions

AER stands for Annual Equivalent Rate. This shows you what the gross rate would be if interest were paid and compounded each year.

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