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HSBC ISAs - Compare ISAs from different providers to find the best way to make the most out of your allowance!
Selected ISAs

Stocks & Shares ISA

from Prudential

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Four unique PruFunds
  • Invest From: £50 p.m. or £500 lump sum
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choose from 4 unique PruFund Funds, each one with a different level of risk and managed by Prudential’s in-house experts, and you can keep track of your investments 24/7 using their online valuation service. Open with as little as £50 per month or a one off lump sum of £500. The application process takes around 10 minutes and they also have a simple transfer process if you already have ISAs that you wish to move across. Other benefits include one simple annual management charge and no exit fee.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.35% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.35% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

ISA Option
Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years
  • Invest From: £10

Why we like it: Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

  • Currently 0% platform default rate
  • Access to your capital
  • EIS, SEIS & IFISA tax relief
  • Balance your level of risk
  • *Capital at risk
  • Peer to peer lending is not covered by the FSCS
Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.65% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Why we like it: Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10% annual growth.

  • 9.65% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.85% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

 HSBC ISA

ISAs present savers with a tax-free or tax-efficient way of saving their capital. You might therefore be wondering what HSBC ISA options are currently available. HSBC have a selection of both Cash ISAs and Stocks & Shares ISAs. However before you decide if they are right for you or not you could shop around to compare the market to try and make sure you find the best deal. You can use the comparison table below to view a selection of the top, best buys and click the links to apply online:

 

  • HSBC Cash ISAs – The HSBC Loyalty Cash ISA offers you instant access to your funds with no charge for withdrawals. Interest will be paid at a variable rate, and you can make monthly payments or a lump sum deposit.

 

  • HSBC Stocks and Shares ISAs – HSBC offer a selection of stocks & shares ISA; World Selection allows you the choice of investing in a ready-made portfolio managed by HSBC with a selection of options you can select based on your personal attitude towards risk. They also offer the Global Investment Centre and the InvestDirect/InvestDirect Plus ISA plans which allow you to build and manage your own portfolios.

 

Types of ISA

There are two different distinct types of Individual Savings Account; Cash ISAs and Stocks & Shares ISAs. You can only have one of each kind of ISA each year, and if you decide to open both kinds of account your allowance stays the same you will need to break it up as you see fit between the two accounts.

 

  • Cash ISAs:  With this kind of ISA money you deposit into the account accumulates interest much like any other savings account; however the interest will be free of tax up to your personal allowance.  Providers may offer you different kinds of Cash ISA such as, Fixed term, Easy Access and Instant Access. Generally speaking accounts that offer more restricted access to your money offer better interest rates.

 

  • Stocks & Shares ISAs: This type of ISA is not an investment in its own right, rather they are an account you can use to invest in other products with such as, shares or government bonds. They are generally available as either self-select ISAs that allow you to invest directly into stocks and shares or as collective investment schemes. It is important to remember with this kind of option your capital is at risk, as the investments you make could go down as well as up in value, so you could get back less than the amount you originally put into the account. A stock & shares ISA is considered a ‘tax-efficient’ account, as although you still have to pay tax on dividends earned you do not have to pay CGT or income tax up to your maximum annual allowance.

  • Special Junior ISAs of both kinds are also available for investors under 18 years old.

 

Transferring an ISA

All ISA providers have to allow you to transfer your ISA to another provider. However there is no legal requirement for a provider to allow you to transfer-in from another provider. Some providers of ISAs will also place an interest penalty for transferring away. It is important to check when shopping around for the best deal to see if you would be better off staying with your current provider once you factor in any penalty for transferring. 

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

What is the best investment ISA?

20th June 2017

People often ask: “what is the best investment ISA?” The answer to this question is not a simple one, with the best investment ISA for you depending on a number of factors. 

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