HSBC savings accounts and rates
HSBC offers a broad range of savings accounts with interest rates up to 5%.

HSBC is one of the “big four” banks in the UK and is one of the largest banking organisations in the world. It offers a broad range of savings accounts and ISAs that will fit any budget or saving plan.
HSBC's top savings rate of 5% is available on its regular savings account.
We currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseThe best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts HSBC offers, plus the highest interest rate currently available.
Savings account types include | Easy access, cash ISAs, fixed-rate bonds, regular savers, business |
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Best easy access rate | 4% |
Best cash ISA rate | 4.1% |
Best fixed-rate bond rate | 4.1% |
Best regular saver rate | 5% |
Best business savings account rate | 1.77% |
Fixed bond terms | 1 year - 2 years |
Opening options | Branch, website, mobile app, post, telephone |
FSCS protection |
Didn’t find the account type you were looking for? Check our other guides:
First, you will need to decide what you’re looking for in a savings account. You will need to consider how often you are planning to withdraw money and how much money you can afford to save each month. Do you have a lump sum to invest or do you want to put a small amount aside each month?
You need to work out what you need before comparing the different offers available for certain types of savings accounts. Once you’ve done that, it’s useful to look at the following:
In our independent 2024 customer satisfaction survey, 93% of HSBC’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s competitive rates and helpful customer service. Here’s what some of those HSBC customers had to say:
“The staff in branch are so kind and helpful. And the online banking is so easy to use. I couldn’t wish for better”
“HSBC has a range of different savings options which give you flexibility. This gives customers lots the opportunity to choose what best suits them”
The HSBC app has a rating of 4.8 out of 5 from over 1.5 million reviews on the App Store. On Google Play, the app has a score of 4.7 from over 342,000 Android app users (updated March 2025).
Email support | |
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Telephone support | |
In-app or live chat | |
Contact form | |
Branch support |
HSBC offers a vast range of savings accounts and other options to help you manage your money, whether you want to lock it away for a set amount of time, or would rather to be able to access it whenever required. So you should find an account to suit you.
Don’t forget, though, to check our round-up of the best savings deals first, to see how HSBC savings accounts weigh up against the competition in terms of rates, fees and perks.
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