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Saver Account

A flexible savings account with easy access to your money

Easy access savings in a choice of currencies

Our Saver Account gives you the flexibility to save in a choice of USD, EUR or GBP, whilst giving you easy access to your savings.


  • Choose from 3 major currencies

    The Saver Account is available in GBP, USD or EUR.

  • No fixed term

    Enjoy the flexibility of saving what you want, whenever you want.

  • Easy access to your savings

    Access your account anytime with online, mobile or phone banking.

Interest rates

Currency Standard rate (AER/Gross)
GBP up to 0.15%
USD up to 0.30%
EUR up to 0.00%

Interest rates

Currency GBP
Standard rate (AER/Gross) up to 0.15%
Currency USD
Standard rate (AER/Gross) up to 0.30%
Currency EUR
Standard rate (AER/Gross) up to 0.00%

Compare our range of savings accounts for expats by using our interest rates tool. Filter and sort to see interest rates in your chosen currency.

Additional information

  • Interest is calculated daily and paid monthly into your account
  • No interest is payable if the balance falls below the minimum account opening balance


You must be an existing HSBC Expat customer before you can apply.

You'll need to maintain a minimum balance of GBP 5,000, USD 5,000 or EUR 5,000.

Things you should know

Please read the HSBC Expat Terms of Business before applying for a Saver Account.

How to apply

HSBC Expat customers

To apply for a Saver Account, simply log on to your existing online banking account and follow the onscreen instructions.

New to HSBC Expat

You can apply for a Saver Account once you have opened an HSBC Expat Bank Account with us.

Understanding offshore savings accounts

Your Expat accounts will be held in Jersey, Channel Islands, a secure offshore jurisdiction and one of the world's leading and best-regulated international finance centres as recognised by the Organisation for Economic Cooperation and Development (OECD).

Interest rates are quoted for indication purposes only and are subject to variation.

AER (Annual Equivalent Rate): This is a notional interest rate which illustrates what the gross rate would be if interest were paid and compounded each year.
Gross: The interest rate before the deduction of tax applicable to interest on savings accounts.

It is your responsibility to report earnings to the appropriate tax authorities. However, all the interest you earn from your accounts may be subject to reporting to relevant tax authorities.

HSBC Expat is a participant in the Jersey Bank Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to GBP 50,000. The maximum total amount of compensation is capped at GBP 100,000,000 in any 5 year period. Full details of the scheme and banking groups covered are available on the States of Jersey website or on request. Deposits and investments made with our office in Jersey are not protected by the rules made under the UK's Financial Services and Markets Act 2000, including the Financial Services Compensation Scheme, and the UK's Financial Ombudsman Service.

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