Get the most from your ISA allowance

  • Your ISA allowance for 2018/2019 is £20,000
  • Save with an HSBC Cash ISA or Stocks and Shares ISA or a combination of the two

Cash ISAs

If you are looking to start saving and want instant access to your money, then a cash ISA could be the right choice. They work like a normal savings account except the interest isn't taxed, so all the interest you earn is yours to keep.

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HSBC Loyalty Cash ISA
  • Be rewarded for your loyalty
  • Earn interest tax-free
  • Open with just £1
  • Instant access
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  • Helps you to save towards your first home
  • Get a 25% bonus on your savings, up to £3000
  • Save up to £200 per month. All the interest is tax free
  • Save an additional £1000 in the first month, to help kick start your savings

Stocks & Shares ISAs

Investing in a stocks & shares ISA gives you access to a diversified range of investments. And this gives you the potential for a greater return than you might get from a cash ISA. Of course, along with the potential for greater returns comes an increased risk as you may not get back what you invest. Is investing worth the risk? You can read our article on risk to find out more.

Whether you’re new to investing or already an expert, we can help you find a way to invest in a stocks & shares ISA that meets your level of knowledge and confidence.

Get investment advice

Simply tell us about your finances and for a one-off fee, we’ll recommend an investment option that’s right for you. Start investing with just £1,000.

Choose an HSBC portfolio

Browse a range of 5 HSBC multi-asset, professionally-managed and globally diversified portfolios to find one that meets your preferred level of risk.

Choose your own funds

Through our online fund platform, Global Investment Centre, you can research and buy your own funds, and monitor your investments via your online banking.

Choose your own shares

With our online sharedealing service, InvestDirect, you can buy and sell shares, using tools to help you make informed investment decisions.

If you have an existing stocks & shares ISA and would like to top-up, please call 03457 456 123 or textphone 03457 660 391. Lines are open 8am to 6pm Monday to Friday, excluding public holidays. All calls are recorded.

When investing, bear in mind that the value of investments and any income they generate can go down as well as up. This means you may not get back what you invest.

Investing should be seen as a medium-to-long-term commitment so you should aim to invest for at least 5 years.

Remember, the value of any tax benefits described depends on your individual circumstances, and tax rules may change in the future.

Please bear in mind

Investment risk: All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

Time commitment: Most investments should be considered as a medium to long-term commitment; this means you should be prepared to hold them for at least five years.

Tax benefits: The value of any tax benefits described depends upon your individual circumstances - tax rules may change in future.

Other risks: In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document for each product and, where applicable, in the Key Investor Information Document for the underlying fund(s), which you should read carefully before applying.

Terms and Conditions

1Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Years Day). To help us continually improve our services and in the interests of security, we may monitor and/or record your communications with us. Any calls that may or do lead to a transaction will be recorded. We will keep these records for seven years. You can ask for a copy at any time during those seven years.