M&S Bank vs HSBC UK
best recorded rate per product · 1 Nov 2026
| Product | M&S Bank | HSBC UK |
|---|---|---|
| Easy access | 1.05% AER Everyday Savings Account · 2026-11-01 | 3.75% AER HSBC Premier MySavings · Balances up to £3,000 · 2026-11-01 |
| Fixed rate bonds | 5.20% AER Fixed Rate Savings Issue 45 · 1 year fixed rate · fixed · 2026-11-01 | 5.00% AER Fixed Rate Saver · £2,000+ · 2 years · fixed · 2026-11-01 |
| Cash ISAs | 5.20% AER Fixed Rate Savings Issue 45 (Cash ISA) · 1 year fixed rate · fixed · 2026-11-01 | 4.30% AER Fixed Rate Cash ISA · £500+ · fixed · 2026-11-01 |
| Mortgages | not recorded | 4.15% rate 2 Year Term Tracker Standard · 60% LTV, 2 year tracker · tracker · 2026-11-01 |
| Overdrafts | not recorded | 39.9% EAR Bank Account · arranged; first £25 interest-free · 2026-11-01 |
| Business loans | not recorded | 8.6% APR Small Business Loan · £10001–£25000 · 12 months · fixed · 2026-11-01 |
Rates compare only on the same basis. Conditions, minimums and eligibility differ; follow each row to the bank page for detail.