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

Classic Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 7.28% annualised target return
  • Term: No Fixed Term
  • Invest From: £10000

Why we like it: Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). 

Important: Peer to peer lending is not covered by the FSCS. Returns are not guaranteed and your actual returns may vary. Capital is at risk

  • 7.28% TAX-FREE through the Balanced Innovative Finance ISA
  • Minimum investment of £10,000
  • Secured by UK property
  • Maximum 75% loan to value
  • Buffer of 25% should the value of a property fall
  • You will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more!
  • Also accepts ISA transfers from previous year's ISA's
  • As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
  • Returns are not guaranteed and your actual returns may vary
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

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

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 5.50% pa or 2 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 6.5% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

  • Plan can be ended early by Deposit Taker
  • 1.375% per quarter (5.5% pa) if plan ends early
  • 2 x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

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

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) to repay your money. 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.

Investment Fund Supermarket ISAs

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

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 10.25% annual growth.

Important: 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.

  • 10.25% 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.

 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. 

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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4.91 Average

22 Reviews

Jen

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Very informative, find myself a good ISA account with best return in terms of interest.

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