Royal Bank of Scotland vs HSBC UK
best recorded rate per product · 1 Nov 2026
| Product | Royal Bank of Scotland | HSBC UK |
|---|---|---|
| Easy access | 3.75% AER Limited Edition Saver Issue 3 · £100,000 - £3,000,000 · bonus · 2026-11-01 | 3.75% AER HSBC Premier MySavings · Balances up to £3,000 · 2026-11-01 |
| Fixed rate bonds | 4.85% AER Fixed Term Savings Account · Issue 285 · 22 September 2026 to 22 September 2028 · £100,000+ · 2 years · fixed · 2026-11-01 | 5.00% AER Fixed Rate Saver · £2,000+ · 2 years · fixed · 2026-11-01 |
| Cash ISAs | 4.75% AER Fixed Rate ISA · Issue 406 · 27 October 2026 to 27 October 2027 · £1,000+ · 1 year · fixed · 2026-11-01 | 4.30% AER Fixed Rate Cash ISA · £500+ · fixed · 2026-11-01 |
| Current accounts | 1.60% AER Revolve Account · fixed · 2026-11-01 | not recorded |
| Mortgages | 4.08% rate Residential mortgage deal · 60% LTV, 2 year tracker, product fee £995 · tracker · 2026-11-01 | 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 | 12.18% APR Small Business Loan · £20000 · 12 months · fixed · 2026-11-01 | 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.