JamesCaldwell

HSBC Cash ISAs

Compare Latest Cash ISA Deals

See our selection of latest Cash ISA Deals.

 

James Caldwell, Director

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info

Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

4.5%

per annum

More Info >
  • 4.5% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Also available for Cash NISAs & NISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.
Instant Access Cash ISA Selection
Fund ManagerAccountRateTermMore Info

Nationwide Regular ISA Saver1.90%Instant AccessMore Info >
  • Instant access
  • 1.90% AER/gross (variable)
  • Minimum deposit £1
  • Interest is calculated daily and will be paid on 31 March 2016 and on closure.
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Variable interest rate
  • Maximum initial deposit £1,270
  • Maximum monthly deposit £1,270
  • No transfers in allowed

Nationwide Instant ISA Saver1.40%Instant AccessMore Info >
  • Instant access
  • 1.40% AER/Gross
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older

E-Cash ISA 21.00%Instant AccessMore Info >
  • No bonus included in the rate
  • No notice period or loss of interest for withdrawals
  • Transfers accepted
  • Minimum balance £10
  • Access – online, telephone and post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Annual interest
  • Variable interest rate
Fixed Rate Cash ISA Selection
Fund ManagerAccountRateTermMore Info

5 Year Cash ISA2.50%5 YearsMore Info >
  • Earn 2.50% fixed for the term of the ISA
  • Transfers accepted
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 18 or older
  • Minimum deposit £5,000
  • No withdrawals permitted before the end of the term

Online Cash ISA 3 Year Fixed Deposit 2.10%3 yearsMore Info >
  • Earn 2.10% fixed for the term of the ISA
  • Transfers accepted
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 18 or older
  • Minimum deposit £5,000
  • No withdrawals permitted during the term of the ISA

3 Year Fixed Rate Cash ISA1.85%3 YearMore Info >
  • Manage your account online, by phone or post
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000

HSBC Cash ISAs

Cash ISAs available

The 2014/15 cash ISA allowance is £15,000. Currently, HSBC offers three different cash ISAs to UK customers so they can choose the best savings plan for their individual needs.

  • Cash e-ISA - This account is specifically geared to customers who like the convenience of banking online. The account can be opened with just £1.
  • Variable rate cash ISA - This variable-rate account offers tiered rates for higher balances and can also be opened for just £1. Rates include a fixed bonus for the first 12 months. Penalty-free withdrawals are allowed at any time and the account can be accessed by Internet, phone banking or branch visits.

Stocks and shares ISAs

In addition to cash ISAs, HSBC also provides options for those looking for stocks and shares ISAs. The current 2014/15 Stocks and Shares ISA allowance is £15,000.

History

HSBC began life as the Hong Kong and Shanghai Banking Corporation in 1865. In 1990, HSBC Holdings was formed to facilitate the purchase of Midland Bank and create a presence for HSBC in England. As part of the purchase, HSBC moved its headquarters from Hong Kong to London, where HSBC became an official UK institution.

Current information

Today, HSBC boasts the top spot as the world's largest banking group and one of the largest companies in the world. The bank services customers across the globe, with a presence on nearly every continent and hundreds of countries worldwide.

Whether you are looking to save money tax-free, or want you want to invest your ISA allowance, HSBC can provide a range of ISA solutions.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

www.isa.co.uk is a trading name of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.