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Banking & Saving HSBC ISA

Compare HSBC ISAs

Compare HSBC ISAs – read our review and compare the features and benefits available from HSBC. Find an ISA that suits you and make the most of your annual tax-free savings.

HSBC ISA Review

As an incentive to encourage people to save, the government agreed to give every individual in the UK the potential to benefit from tax free savings. Each saver is limited to £3,600 per tax year, so this is the first avenue you should explore when considering a place to start your savings off.

HSBC ISA's come with some great features to benefit your individual needs. You can begin saving with as little as £1, earning interest rates depending on balances that works in a tiered structure.

Whether you want to deposit the full £3,600 as a lump sum at the beginning of the tax year to get the most benefit, or you would find it more affordable to make regular deposits, HSBC ISA's have an account to match.

With an HSBC ISA you can access your account online, over the phone or in branch.

Top 5 ISA products

Provider Account AER Notice Deposit Per Year Apply
Min Max
Halifax 4 Year Fixed Rate ISA Saver
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 4.25% AER. Minimum deposit £500.
4.25%
Instant
 £500 £3,600
Apply >
More Info
Halifax 3 Year Fixed Rate ISA Saver
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 3.75% AER. Minimum deposit £500.
3.75%
Instant
 £500 £3,600
Apply >
More Info
Halifax 2 Year Fixed Rate ISA Saver
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 3.50% AER. Minimum deposit £500.
3.50%
Instant
 £500 £3,600
Apply >
More Info
Lloyds TSB 2 Year Fixed Rate Cash ISA
Get 2.70% AER/Tax Free on balances of £3,000 - £14,999 or up to 3.30% AER/Tax Free on balances of £30k+. You CAN transfer your existing ISA balances to this ISA. YOU MUST BE AN EXISTING LLOYDS CUSTOMER
3.30%
Instant
 £3,000 £150,000
Apply >
More Info
A&L Direct ISA (Issue 6)
Deposit £1k - £9k and get 2.0% AER for 12 months. Deposit £9K+ and get 2.75% AER for 12 months. Transfer your existing ISA balances to this ISA. NO withdrawal Restrictions
2.75%
Instant
 £9,000 £150,000
Apply >
More Info
Halifax 4 Year Fixed Rate ISA Saver
  • Get 4.25% AER Fixed for 4 Years
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
Halifax 3 Year Fixed Rate ISA Saver
  • Get 3.75% AER Fixed for 3 Years
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
Halifax 2 Year Fixed Rate ISA Saver
  • Get 3.50% AER Fixed for 2 Years
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
Santander ISA (Issue 6)
  • Save up to £3,600 in the 2009/10 tax year without paying any tax on the interest
  • Transfer/Deposit £1 - £9,000 & get 2.0% AER (includes a 12 month variable rate bonus of 1.50% gross/AER)
  • Transfer/Deposit £9,000+ & get 3.0% AER (includes a 12 month variable rate bonus of 2.00% gross/AER)
  • After 12 month intro rate reduces to:
  • £1 - £9,000 = 0.5%AER
  • £9,000 + 1.00%AER
  • Pay-in/Withdraw via Abbey Branch, Online, and Telephone
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
A&L Direct ISA (Issue 6)
  • Enjoy TAX-FREE saving with our simple cash ISA account.
  • Direct ISA (Issue 6): 2.75% AER tax-free (variable) from £9k+
  • 2.00% AER tax-free (variable) from £1k+ which includes a 12 month variable rate bonus of 1.50% AER tax-free
  • 2.75% AER tax-free (variable) from £9k+ which includes a 12 month variable rate bonus of 2.25% AER tax-free
  • TRANSFER in existing ISA funds from another Cash ISA.
  • No withdrawal charges.
  • Open account in minutes.
  • ACCESS your MONEY within 24 hours when a transfer is made into your Alliance & Leicester current account: or up to 4 working days for a transfer to another provider.
  • Available to those aged 16 or over.
Lloyds TSB Cash ISA
  • Earn a variable rate of 2.50% AER/tax-free.
  • This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months from account opening.
  • Interest paid annually on the 31st March.
  • Save up to £3,600 per tax year. From 6 October 2009 you can save up to £5,100 per tax year if you were born on or before 5 April 1960.
  • Make withdrawals from as little as £1.
  • Set up regular payments into your ISA from your current account.
  • Manage your Cash ISA Saver through Internet Banking if you're registered.
  • You can transfer your existing ISA into us, with our ISA transfer form.
Halifax 1 Year Fixed Rate ISA Saver
  • Earn 2.5% AER tax free fixed for 1 year
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
ING Direct Cash ISA
  • Act now and you can enjoy a great tax free rate of 2.5% AER variable (2.47% gross p.a variable, including a 1.47% gross p.a bonus fixed for 12 months from opening)
  • This rate then reverts to a variable Cash ISA rate currently 1.00% gross/AER.
  • The interest is calculated daily and paid monthly.
  • You can invest from £1 up to £3,600 each tax year and benefit from tax free savings.
  • You can NOT transfer your existing ISA balances to this ISA
  • The tax year runs from 6 April to 5 April the following year.
  • You can invest in one lump sum or in any number of smaller payments up to the annual subscription limit (£3,600).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
Natwest e-ISA
  • Save from £1 and save up to £3600 per tax year
  • If you wish to transfer your existing ISAs balances to this ISA you will earn the following rate of interest:
  • £0 - £9,999 = 2.00% AER
  • £10,000 - £29,900 = 2.25% AER
  • £30,000+ = 2.50% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
Santander ISA (Issue 6)
  • Save up to £3,600 in the 2009/10 tax year without paying any tax on the interest
  • Transfer/Deposit £1 - £9,000 & get 2.0% AER (includes a 12 month variable rate bonus of 1.50% gross/AER)
  • Transfer/Deposit £9,000+ & get 3.0% AER (includes a 12 month variable rate bonus of 2.00% gross/AER)
  • After 12 month intro rate reduces to:
  • £1 - £9,000 = 0.5%AER
  • £9,000 + 1.00%AER
  • Pay-in/Withdraw via Abbey Branch, Online, and Telephone
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
A&L Direct ISA (Issue 6)
  • Enjoy TAX-FREE saving with our simple cash ISA account.
  • Direct ISA (Issue 6): 2.75% AER tax-free (variable) from £9k+
  • 2.00% AER tax-free (variable) from £1k+ which includes a 12 month variable rate bonus of 1.50% AER tax-free
  • 2.75% AER tax-free (variable) from £9k+ which includes a 12 month variable rate bonus of 2.25% AER tax-free
  • TRANSFER in existing ISA funds from another Cash ISA.
  • No withdrawal charges.
  • Open account in minutes.
  • ACCESS your MONEY within 24 hours when a transfer is made into your Alliance & Leicester current account: or up to 4 working days for a transfer to another provider.
  • Available to those aged 16 or over.
Natwest Cash ISA
  • Save from £1 and save up to £3600 per tax year
  • Earn 0.50% AER to 2% AER depending on deposit:
  • £50,000+ = 2.00% AER
  • £27,000 - £49,999 = 1.75% AER
  • £22,000 - £26,999 = 1.10% AER
  • £15,000 - £21,999 = 0.95% AER
  • £9,000 - £14,999 = 0.75% AER
  • £1 - £8,999 = 0.50% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
Principality e-ISA
  • Minimum investment of £1.
  • Invest up to £3,600 in this tax year – click here to see the changes to ISA limits for over 50’s after 6th October 2009.
  • No limitations on the amount you may withdraw.
  • Mini cash ISA transfers from other providers permitted~.
  • Interest paid annually.
  • Transfers from other Principality Building society accounts to e-ISA accounts are not permitted.
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS – Financial Services Compensation Scheme.
Lloyds TSB 2 Year Fixed Rate Cash ISA
  • Fixed tiered interest rates.
  • Earn from 2.70% AER/Tax Free on balances of £3,000 to £14,999
  • Earn 3.30% AER/Tax Free on balances of £30,000 or more.
  • Interest rate fixed for 24 months from account opening.
  • Interest calculated on a daily basis and paid on anniversary of account opening and upon account maturity.
  • Tax-free savings from previous years ISA allowances to maximise savings.
  • Continued growth - at the end of the 24 month fixed rate period, your account pays interest at our standard variable Cash ISA Saver rate.
  • Manage your account through Internet Banking, PhoneBank® or branch.
  • Save up to £3,600 each tax year. From 6 October 2009 you can save up to £5,100 each tax year if you were born on or before 5 April 1960.

HSBC News

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Wed 10th Jun, 2009
HSBC's Cash e-ISA
Those on the search for an individual savings account (ISA) may want to consider a fixed rate ISA offered by HSBC. ...
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Thu 5th Mar, 2009
New bonds offered by HSBC
With the property market in a state of decline and the wider financial markets also experiencing difficulties, it is crucial that consumers ensure they get the best possible deal on ...
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Wed 28th Jan, 2009
HSBC indicates the go ahead for its dormant accounts scheme
According to the HSBC, firms are currently writing to around 12,000 customers who have not touched their money for over 15 years. It is also searching for the addresses of a further ...
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Wed 10th Sep, 2008
FaceBook Protest causes HSBC to climb down on student overdraft fee
The power of social networking has been graphically demonstrated by the climbdown by HSBC over its decision to scrap interest-free overdrafts for graduates. ...
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Sat 1st Sep, 2007

ISA Reviews