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HSBC UK rates: up to 39.9% EAR

bank · FRN 765112 · www.hsbc.co.uk

Easy access

ProductTerm / tierRateBasisRecordedHistoryChange
Flexible SaverAll balances 1.05%AER2026-11-01 since 2026-11-01
Future Saver for children closed to new customers£1+ 1.10%AER2026-11-01 since 2026-11-01
HSBC Premier MySavings closed to new customersBalances up to £3,000 3.75%AER2026-11-01 since 2026-11-01
HSBC Premier MySavings closed to new customersBalances of £3,000+ 1.10%AER2026-11-01 since 2026-11-01
HSBC Premier SavingsBelow £50,000 1.10%AER2026-11-01 since 2026-11-01
HSBC Premier Savings£50,000 to £100,000 1.15%AER2026-11-01 since 2026-11-01
HSBC Premier SavingsOver £100,000 1.65%AER2026-11-01 since 2026-11-01
MySavingsBalances up to £3,000 3.75%AER2026-11-01 since 2026-11-01
MySavingsBalances of £3,000+ 1.10%AER2026-11-01 since 2026-11-01
Online Bonus Saver closed to new customersAll balances 1.05%AER2026-11-01 since 2026-11-01
Online Bonus Saver closed to new customersinterest including bonus, £1 to £50,000 · bonus 3.35%AER2026-11-01 since 2026-11-01
Regular Saver closed to new customers£25 to £250 per month 5.00%AER2026-11-01 since 2026-11-01
Young Saver closed to new customers£1+ 2.25%AER2026-11-01 since 2026-11-01

Fixed rate bonds

ProductTerm / tierRateBasisRecordedHistoryChange
Fixed Rate Saver£2,000+ · 1 year · fixed 4.50%AER2026-11-01 since 2026-11-01
Fixed Rate Saver£2,000+ · 2 years · fixed 5.00%AER2026-11-01 since 2026-11-01

Cash ISAs

ProductTerm / tierRateBasisRecordedHistoryChange
Fixed Rate Cash ISA£500+ · fixed 4.30%AER2026-11-01 since 2026-11-01
HSBC Loyalty Cash ISAHSBC Premier rates 3.00%AER2026-11-01 since 2026-11-01
HSBC Loyalty Cash ISAOther current account rates 2.50%AER2026-11-01 since 2026-11-01
Help to Buy: ISA closed to new customersmonthly interest (variable rate) Balances up to £12,000 2.50%AER2026-11-01 since 2026-11-01
Help to Buy: ISA closed to new customersBalances of £12,000+ 1.05%AER2026-11-01 since 2026-11-01

Mortgages

ProductTerm / tierRateBasisRecordedHistoryChange
HSBC Standard Variable Ratecurrent standard variable rate 6.49%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver60% LTV, 2 year fixed · fixed 5.19%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver70% LTV, 2 year fixed · fixed 5.29%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver75% LTV, 2 year fixed · fixed 5.29%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver80% LTV, 2 year fixed · fixed 5.39%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver85% LTV, 2 year fixed · fixed 5.39%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver90% LTV, 2 year fixed · fixed 5.49%rate2026-11-01 since 2026-11-01
2 Year Fixed Fee Saver95% LTV, 2 year fixed · fixed 5.83%rate2026-11-01 since 2026-11-01
2 Year Fixed Premier Standard60% LTV, 2 year fixed · fixed 4.93%rate2026-11-01 since 2026-11-01
2 Year Fixed Premier Standard70% LTV, 2 year fixed · fixed 5.03%rate2026-11-01 since 2026-11-01
2 Year Fixed Premier Standard75% LTV, 2 year fixed · fixed 5.03%rate2026-11-01 since 2026-11-01
2 Year Fixed Premier Standard80% LTV, 2 year fixed · fixed 5.16%rate2026-11-01 since 2026-11-01
2 Year Fixed Premier Standard85% LTV, 2 year fixed · fixed 5.16%rate2026-11-01 since 2026-11-01
2 Year Fixed Premier Standard90% LTV, 2 year fixed · fixed 5.28%rate2026-11-01 since 2026-11-01
2 Year Fixed Standard60% LTV, 2 year fixed · fixed 4.96%rate2026-11-01 since 2026-11-01
2 Year Fixed Standard70% LTV, 2 year fixed · fixed 5.06%rate2026-11-01 since 2026-11-01
2 Year Fixed Standard75% LTV, 2 year fixed · fixed 5.06%rate2026-11-01 since 2026-11-01
2 Year Fixed Standard80% LTV, 2 year fixed · fixed 5.19%rate2026-11-01 since 2026-11-01
2 Year Fixed Standard85% LTV, 2 year fixed · fixed 5.19%rate2026-11-01 since 2026-11-01
2 Year Fixed Standard90% LTV, 2 year fixed · fixed 5.31%rate2026-11-01 since 2026-11-01
2 Year Term Tracker Standard60% LTV, 2 year tracker · tracker 4.15%rate2026-11-01 since 2026-11-01
2 Year Term Tracker Standard70% LTV, 2 year tracker · tracker 4.27%rate2026-11-01 since 2026-11-01
2 Year Term Tracker Standard75% LTV, 2 year tracker · tracker 4.27%rate2026-11-01 since 2026-11-01
2 Year Term Tracker Standard80% LTV, 2 year tracker · tracker 4.50%rate2026-11-01 since 2026-11-01
2 Year Term Tracker Standard85% LTV, 2 year tracker · tracker 4.50%rate2026-11-01 since 2026-11-01
2 Year Term Tracker Standard90% LTV, 2 year tracker · tracker 4.81%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver60% LTV, 5 year fixed · fixed 5.06%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver70% LTV, 5 year fixed · fixed 5.19%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver75% LTV, 5 year fixed · fixed 5.19%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver80% LTV, 5 year fixed · fixed 5.32%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver85% LTV, 5 year fixed · fixed 5.32%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver90% LTV, 5 year fixed · fixed 5.38%rate2026-11-01 since 2026-11-01
5 Year Fixed Fee Saver95% LTV, 5 year fixed · fixed 5.73%rate2026-11-01 since 2026-11-01
5 Year Fixed Premier Standard60% LTV, 5 year fixed · fixed 4.96%rate2026-11-01 since 2026-11-01
5 Year Fixed Premier Standard70% LTV, 5 year fixed · fixed 5.10%rate2026-11-01 since 2026-11-01
5 Year Fixed Premier Standard75% LTV, 5 year fixed · fixed 5.10%rate2026-11-01 since 2026-11-01
5 Year Fixed Premier Standard80% LTV, 5 year fixed · fixed 5.17%rate2026-11-01 since 2026-11-01
5 Year Fixed Premier Standard85% LTV, 5 year fixed · fixed 5.17%rate2026-11-01 since 2026-11-01
5 Year Fixed Premier Standard90% LTV, 5 year fixed · fixed 5.23%rate2026-11-01 since 2026-11-01
5 Year Fixed Standard60% LTV, 5 year fixed · fixed 4.99%rate2026-11-01 since 2026-11-01
5 Year Fixed Standard70% LTV, 5 year fixed · fixed 5.13%rate2026-11-01 since 2026-11-01
5 Year Fixed Standard75% LTV, 5 year fixed · fixed 5.13%rate2026-11-01 since 2026-11-01
5 Year Fixed Standard80% LTV, 5 year fixed · fixed 5.20%rate2026-11-01 since 2026-11-01
5 Year Fixed Standard85% LTV, 5 year fixed · fixed 5.20%rate2026-11-01 since 2026-11-01
5 Year Fixed Standard90% LTV, 5 year fixed · fixed 5.26%rate2026-11-01 since 2026-11-01

Overdrafts

ProductTerm / tierRateBasisRecordedHistoryChange
Bank Accountarranged; first £25 interest-free 39.9%EAR2026-11-01 since 2026-11-01
HSBC Graduate Bank Accountarranged; first £3000 interest-free 39.9%EAR2026-11-01 since 2026-11-01
HSBC Premier Accountarranged; first £500 interest-free 39.9%EAR2026-11-01 since 2026-11-01
HSBC Student Bank Accountinterest-free up to £3000 0.00%EAR2026-11-01 since 2026-11-01

Business loans

ProductTerm / tierRateBasisRecordedHistoryChange
Small Business Loan£1000–£10000 · 12 months · fixed 11.3%APR2026-11-01 since 2026-11-01
Small Business Loan£10001–£25000 · 12 months · fixed 8.6%APR2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.hsbc.co.uk/mortgages/our-rates/2026-11-01 11:41 UTC ok25efb7928e07
api.hsbc.com/open-banking/v2.2/personal-current-accounts2026-11-01 11:22 UTC ok4faf0bce5784
api.hsbc.com/open-banking/v2.2/unsecured-sme-loans2026-11-01 11:22 UTC okcf7babddd965
www.hsbc.co.uk/savings/interest-rates/2026-11-01 11:41 UTC okd8a9fe2f39ff