Interest Rates

Interest rates tool

Compare, filter and sort our accounts and rates in your chosen currency. Other currencies may be available - view all the currencies we offer.

How interest is calculated and paid

  • The above rates are quoted for indication purposes only and are subject to variation. Please call for us for confirmation of the rate you would get on a specific amount, including potentially higher rates for amounts over £250,000 (or currency equivalent) as follows:
  • Existing HSBC Premier customers of HSBC Expat, call: +44 1534 616 313
  • Existing HSBC Advance customers of HSBC Expat, call: +44 1534 616 212
  • Non customers of HSBC Expat, call +44 1534 616 055
  • AER (Annual Equivalent Rate) is a notional rate, which illustrates what the credit interest rate would be if interest were paid and compounded each year. Gross interest rate is the rate before the deduction of tax.
  • No tax is deducted from the interest we pay. However, if you live in the European Union, all the interest you earn from your accounts may be subject to the European Savings Directive. Find out more
  • Rates are set according to the type of account and the amount deposited, and are updated daily.
  • Interest on sterling accounts is calculated on a 365 day basis. Interest on most other currency accounts (including US dollars and euro) is calculated on a 360 day basis.
  • Rates on our Fixed Rate Saver and Fixed Deposit accounts are subject to change up to and until the account is opened. Interest on these accounts is paid on maturity for terms of one year or less, and annually for terms of greater than one year.
  • Interest on the Bank Account and Saver Account is paid monthly.
  • Interest on the Online Bonus Saver Account is paid monthly and interest is paid with bonus for every calendar month in which you don't make a withdrawal. Standard interest is paid regardless of withdrawals.
  • Interest on the Online Saver Account is paid monthly. No interest is payable in any calendar month a withdrawal is made.
  • Interest on 30 and 90 Day Notice Accounts is paid half-yearly in April and October.
  • If funds are paid into an account after midday they will be processed the next working day at the prevailing rate.
  • Interest rates shown for accounts which have been withdrawn from sale are for information purposes only.