Savings Interest Rates - HSBC
Savings Interest RatesThe information in this leafletis correct as at 6 April 2017This leaflet forms an integral part of our Savings brochure.Online accounts Online Bonus SaverPages2/3Tax free accounts HSBC Loyalty Cash ISA4/5 HSBC Help to Buy: ISA6/7Instant access accounts Flexible Saver8/9 HSBC Premier Savings10/11 Premier Family Savings12/13Fixed term and fixed rate accounts Regular Saver14/15 F ixed Rate Saver16/17Childrens accounts MySavings/Premier MySavings18/19 Future Saver for Children20/21All offsale product rates, and previous rates for all products, can be foundat www.hsbc.co.uk or alternatively by calling us on 03457 404 404 in the UKor 03456 006 161 in the Channel Islands and Isle of Man (textphone 03457 125 563),or by asking in branch.Lines open 8am to 10pm every day.To help us continually improve our service, and in the interestsof security, we may monitor and/or record your communications with us.
2Summary BoxAccount NameOnline Bonus SaverWhat is theinterest rate?BalanceStandard ratesInterest including bonusUp to 50,0000.10% AER (0.10% Gross)0.25% AER (0.25% Gross) 50,000 0.10% AER (0.10% Gross)0.15% AER (0.15% Gross)Interest is calculated daily and credited to the account monthly.The standard rate of interest is paid in any month where a withdrawal is madeor you close your account.The interest rate including bonus is paid in any month where you don’t make awithdrawal or don’t close your account.Balances up to 50,000 will earn the higher rate of interest. Only the part ofthe balance above 50,000 will earn the lower rate of interest.Can HSBCchange theinterest rate?What wouldthe estimatedbalance be after12 months basedon a range ofdeposits?Yes, we can change the interest rate on this account in line with clauses23–25 of the Online Savings Terms and Conditions: If we increase the rate of interest, we’ll either tell you personally within31 days, or within 3 working days provide the details in a notice in thepress and on our Rates and Charges notice in branches. We’ll alsodisplay this information on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in advance.InitialDepositRateInterest RateBalance at endof 12 months 1,000Standard rate0.10% AER (0.10% Gross) 1,001Interestincluding bonus0.25% AER (0.25% Gross) 1,003Standard rate0.10% AER (0.10% Gross) 60,060on 1st 50,000 then 0.10%AER (0.10% Gross) on anybalance above 50,000Interestincluding bonus0.25% AER (0.25% Gross) 60,140on 1st 50,000 then 0.15%AER (0.15% Gross) on anybalance above 50,000 60,000For the purpose of this calculation it is assumed: Initial deposit of either 1,000 or 60,000 No additional deposits No withdrawal made in any month for the interest rate including bonuscalculation A withdrawal made in every month for the Standard rate calculation No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.
3How do I openand managemy account?Eligibility:– aged 16 years or over– able to manage your account online onlyHow to open the account:– open an account via Online Banking onlyMinimum/Maximum Balance:– a minimum of 1 must be deposited to open the account– the maximum balance you can hold in the account is 2,000,000How to manage the account:– once opened the account can be managed via Online Banking, TelephoneBanking, the HSBC Mobile Banking App or in branch.Can I withdrawmoney?Yes, you have instant access to your account. You can make as many feefree withdrawals as you like. However if you do make a withdrawal you willreceive the standard rate of interest for that month.AdditionalInformationA 14 day cancellation period applies to this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change in thefuture.Definitions AER stands for Annual Equivalent Rate. This shows you what thegross rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
4Summary BoxAccount NameWhat is theinterest rate?Loyalty Cash ISAPremierAdvanceOther CurrentAccountsRateInterest RateStandard Rate0.20% AER/tax freeLoyalty Rate0.50% AER/tax freeStandard Rate0.20% AER/tax freeLoyalty Rate0.40% AER/tax freeStandard Rate0.20% AER/tax freeLoyalty Rate0.30% AER/tax freeInterest is calculated daily and credited to the account monthly.A Loyalty rate applies for 12 months* from the date of each payment into yourISA. If you make further payments into your ISA, your Loyalty rate period willbegin again from the date of each payment. Upon the expiry of your Loyalty rateperiod, you will earn a standard rate of interest until you make a further payment.*12 months is calculated as 366 days for interest purposes to allow for leap years.Can HSBCchange theinterest rate?What wouldthe estimatedbalance be after12 months basedon a 1,000deposit?Yes, we can change the interest rate on this account in line with clauses 22 to26 within the Loyalty Cash ISA Terms and Conditions: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in rest RateBalance at endof 12 monthsStandard rate 0.20% AER/tax free 1,002Loyalty rate0.50% AER/tax free 1,005Standard rate 0.20% AER/tax free 1,002loyalty rate 1,0040.40% AER/tax freeStandard rate 0.20% AER/tax free 1,002Loyalty rate 1,0030.30% AER/tax freeFor the purpose of this calculation it is assumed: Initial deposit of 1,000 No further deposits No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.
5How do I openand managemy account?Eligibility:– aged 16 years or over– be resident in the UK for tax purposes, or if not so resident, be a Crownemployee serving overseas, or be married to, or in a civil partnership with,such a person.– hold an HSBC current accountHow to open the account:– open an account via Online Banking, Telephone Banking, the HSBCMobile Banking App, in branch or by post.– or you can transfer current or previous years subscriptions by completingan ISA transfer form.Minimum/Maximum Balance:– a minimum of 1 must be deposited to open the account.– the maximum amount you can deposit is subject to annual subscriptionlimits. The annual subscription limit for the 2017/18 tax year is 20,000.This can be saved in a cash ISA, a stocks and shares ISA,an innovativefinance ISA or a lifetime ISA with either the same or different providers.– the maximum balance you can hold is subject to the ISA Regulations.How to manage the account:– once opened you can manage the account via Online Banking, TelephoneBanking, the HSBC Mobile Banking App or in branchCan I withdrawmoney?Yes, you have instant access to your account. You can make as many feefree withdrawals as you like. However once you have paid in the maximumannual subscription limit, any amount withdrawn can not be replaced until thefollowing tax year.If you withdraw funds from your ISA you will lose the associated tax benefits.AdditionalInformationA 30 day cancellation period applies to this account.Interest is paid tax-free, that is free from UK Income Tax and Capital Gains Tax.The value of tax benefits described depends on individual circumstances.The tax treatment of ISAs could change in the future.Subscribing to a cash ISA may affect your eligibility to subscribe to a Help toBuy: ISADefinitions: AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Tax free free from personal liability to any UK Income Tax and CapitalGains Tax. ISA stands for Individual Savings Account.Rates correct as at 25.01.17
6Summary BoxAccount NameHelp to Buy: ISAWhat is theinterest rate?BalanceInterest RateUp to 12,0002.00% AER (1.98% tax free)Balance above 12,0000.05% AER (0.05% tax free)Interest is calculated daily and credited to the account monthly.Balances up to 12,000 will earn the higher rate of interest. Only the part ofthe balance above 12,000 will earn the lower rate of interest.Can HSBCchange theinterest rate?What wouldthe estimatedbalance be after12 months basedon an initialdeposit of 1,200followed by 11further monthlydeposits of 200?Yes, we can change the interest rate on this account in line with clauses24 -27 of the Help to Buy: ISA Terms and Conditions: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in advance.Total Depositsafter 12 monthsInterest RateBalance at endof 12 months 3,4002.00% AER (1.98% tax free) 3,447.34For the purpose of this calculation it is assumed: Initial deposit of 1,200 in the month the account is opened 11 Further monthly deposits of 200 No withdrawals No change to the interest rate during the 12 months Excludes the 25% Government Bonus Deposits made on the same day each monthProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.
7How do I openand managemy account?Eligibility:– aged 16 years or over– be resident in the UK for tax purposes, or if not so resident, be a Crownemployee serving overseas, or be married to, or in a civil partnership with,such a person.– never have owned a residential propertyHow to open the account:– open an account via Telephone Banking, in branch or by post.– or you can transfer current or previous years subscriptions by completingan ISA transfer form.Minimum/Maximum Balance:– no minimum deposit to open an account– the maximum you can deposit is subject to the monthly UKAR SchemeRules and annual subscription limitsRegular Deposits:– you can make monthly deposits up to a maximum of 200 per month.However in the first month you can deposit an additional 1,000.How to manage the account:– once opened you can manage the account via Online Banking, TelephoneBanking, in branch or by postCan I withdrawmoney?Yes, you have instant access to your account. You can make as many feefree withdrawals as you like. However once you have paid in the maximummonthly allowance, any amount withdrawn can not be replaced until thefollowing calendar month.If you withdraw funds from your ISA you will lose the associated tax benefits.Any funds withdrawn before closing your Help to Buy: ISA will not counttowards the Government Bonus.AdditionalInformationA 30 day cancellaton period applies to this account.Interest is paid tax-free, that is free from UK Income Tax and Capital Gains Tax.The value of tax benefits described depends on individual circumstances.The tax treatment of ISAs could change in the future.A Government bonus of 25% is payable of the amount you save up to 12,000. The maximum bonus you can receive is 3,000.The Help to Buy: ISA is a cash ISA. If you open a Help to Buy: ISA , you willnot be able to open another cash ISA in the same tax year.The maximum annual amount you can save in to an Help to Buy: ISA will beless than the maximum annual ISA limit.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Tax free free from personal liability to any UK Income Tax and CapitalGains Tax. ISA stands for Individual Savings Account.Rates correct as at 25.01.17
8Summary BoxAccount NameFlexible SaverWhat is theinterest rate?BalanceInterest RatesAllStandard RatesbalancesPreferential Rates0.01% AER/Gross0.05% AER/GrossStandard Rates –all customers except HSBC Advance and HSBC Graduate customersPreferential Rates –HSBC Advance and HSBC Advance Graduate customers onlyInterest is calculated daily and credited to the account monthly.Can HSBCchange theinterest rate?What wouldthe estimatedbalance beafter 12 monthsbased ona 1,000 deposit?Yes, we can change the interest rate on this account in line with the Section12 of the Personal Banking Terms and Conditions and Charges: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of interest we’ll tell you personally at least twomonths in advance.InitialDepositRateInterest RateBalance at endof 12 months 1,000Standard Rate0.01% AER/Gross 1,000.10Preferential Rate0.05% AER/Gross 1,000.50For the purpose of this calculation it is asssumed: Initial deposit of 1,000 No further deposits No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.How do I openand managemy account?Eligibility:– aged 16 years or overHow to open the account:– open an account via Online Banking, Telephone Banking or in branch.Minimum/Maximum Balance:– a minimum of 1 must be deposited to open the account– there is no maximum balanceHow to manage the account:– once opened you can manage your account via Online Banking,Telephone Banking, the HSBC Mobile Banking App or in branch.Can I withdrawmoney?Yes, you have instant access to your account. You can make as many fee freewithdrawals as you like.
9AdditionalInformationA 14 day cancellation period applies to this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change in thefuture.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
10Summary BoxAccount NameHSBC Premier SavingsWhat is theinterest rate?BalanceAll balancesInterest Rates0.05% AER/GrossInterest is calculated daily and is credited to the account monthly.Can HSBCchange theinterest rate?Yes, we can change the interest rate on this account in line with Section 12of the Personal Banking Terms and Conditions and Charges: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in advance.What wouldInitial Deposit Interest RateBalance at end of 12 monthsthe estimated 1,0000.05% AER/Gross 1,000.50balance beafter 12 months For the purpose of this calculation it is assumed:based on Initial deposit of 1,000a 1,000 deposit? No further deposits No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.How do I openand managemy account?Eligibility:– aged 18 years or over– an HSBC Premier customerHow to open the account:– open an account via Online Banking, Telephone Banking or in branch.Minimum/Maximum Balance:– a minimum of 1 must be deposited to open an account– there is no maximum balanceHow to manage the account:– once opened you can manage the account via Online Banking, TelephoneBanking, via the HSBC Mobile Banking App or in branchCan I withdrawmoney?Yes, you have instant access to your account. You can make as many fee freewithdrawals as you like.
11AdditionalInformationA 14 day cancellation period applies to this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change in the future.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
12Summary BoxAccount NameHSBC Premier Family SavingsWhat is theinterest rate?BalanceAll balancesInterest Rates0.05% AER/GrossInterest is calculated daily and credited to the account monthly.Can HSBCchange theinterest rate?Yes, we can change the interest rate on this account in line with clause 28 ofthe MyMoney and HSBC Premier Family Savings Terms and Conditions: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in advance.What wouldInitial DepositInterest Ratethe estimatedbalance be 1,0000.05% AER/Grossafter 12 monthsbased onFor the purpose of this calculation it is asssumed:a 1,000 deposit? Initial deposit of 1,000Balance at endof 12 months 1,000.50 No further deposits No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.How do I openand managemy account?Eligibility:– aged between 18 and 25 years old– parent/legal guardian must be an HSBC Premier customerHow to open the account:– open an account via Online Banking, Telephone Banking or in branch.Minimum/Maximum Balance:– a minimum of 1 must be deposited to open an account– there is no maximum balanceHow to manage the account:– once opened you can manage the account via Online Banking, viaTelephone Banking, the HSBC Mobile Banking App or in branch.Can I withdrawmoney?Yes, you have instant access to your account. You can make as many fee freewithdrawals as you like.
13AdditionalInformationA 14 day cancellation period applies to this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change in the future.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
14Summary BoxAccount NameRegular SaverWhat is theinterest rate?RateInterest RateStandard Rates3.00% AER (3.00% Gross)Preferential Rates 5.00% AER (5.00% Gross)Interest is calculated daily and is credited at the end of the 12 month fixedterm.Standard rates available to Bank Account, Bank Account Pay Monthly andGraduate Bank Account customers.Preferential rates only available to HSBC Premier or HSBC Advancecustomers.Can HSBCchange theinterest rate?What wouldthe estimatedbalance be after12 months basedon 12 regularmonthly depositsof 25 and 250?No, once your account is opened the rate will remain fixed forthe 12 month term.MonthlyDepositsTotalDepositsafter 12monthsRateInterestRateBalance atend of 12months 25 300StandardRates3.00% AER(3.00%Gross) 304.88PreferentialRates5.00% AER(5.00%Gross) 308.12StandardRates3.00% AER(3.00%Gross) 3,048.75PreferentialRates5.00% AER(5.00%Gross) 3,081.25 250 3,000For the purpose of this calculation it is assumed: 12 monthly deposits of 25 or 250 No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.
15How do I openand managemy account?Eligibility:– you must have one of the following HSBC current accounts: HSBCPremier, HSBC Advance, Bank Account, Bank Account Pay Monthlyor Graduate Bank Account which you must maintain for the 12 monthdurationHow to open the account:– open an account via Online Banking, Telephone Banking or in branch.Minimum/Maximum Balance:– The minimum deposit in month 1 is 25– The maximum balance is 3,000 at the end of the 12 month term.Regular Deposits:– regular deposits must be made by standing order each month.– the minimum monthly deposit is 25 per month– the maximum monthly deposit is 250 per month– if you don’t pay in the maximum allowed in any month, you can carry overthe unused subscriptions and catch up in future monthsHow to manage the account:– once opened you can view your account balance via Online Banking, ourMobile Banking App, in branch or via Telephone Banking. You can changethe amount of your standing order via Telephone Banking.Can I withdrawmoney?No, you can not make partial withdrawals.You can close your account before the end of the 12 month term howeveryou will receive interest up to the date of closure at our Flexible Saver rate,currently 0.05% AER.At the end of 12 months we’ll transfer your savings into your Instant AccessSavings, Flexible Saver or Premier Savings. If you have more than one ofthese accounts we’ll pay your savings into the account which pays the bestinterest. And if you don’t have any of these accounts, we’ll convert yourRegular Saver to a Flexible Saver.AdditionalInformationA 14 day cancellation period applies to this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change inthe future.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
16Summary BoxAccount NameWhat is theinterest rate?Fixed Rate SaverTermDepositInterest Rate*3 years 2,000 0.70% AER/Gross 50,000 0.70% AER/Gross 2,000 0.65% AER/Gross 50,000 0.65% AER/Gross 2,000 0.50% AER/Gross 50,000 0.60% AER/Gross6 months 2,000 0.40% AER/Gross 50,000 0.40% AER/Gross3 months 2,000 0.30% AER/Gross 50,000 0.30% AER/Gross2 years1 yearsInterest is calculated daily and credited either monthly, annually, or at the end of theterm. For terms of 3 months, interest will be credited at the end of the term only.If you choose monthly interest, we’ll pay interest on the monthly anniversaryof your account being opened. If you choose annual interest, we’ll pay it onthe anniversary of your account being opened.The interest is paid directly into your HSBC current or savings account - thesame one you use to pay in your initial deposit.Can HSBC change No, once your account is opened the rate will remain fixed for the durationthe interest rate? of your fixed rate period.What wouldthe estimatedbalance be at theend of the termbased on a rangeof deposits?TermInitialDepositInterest Rate*Balance atend of term3 years 2,0000.70% AER/Gross 2,042.00 50,0000.70% AER/Gross 51,050.00 2,0000.65% AER/Gross 2,026.00 50,0000.65% AER/Gross 50,650.00 2,0000.50% AER/Gross 2,010.00 50,0000.60% AER/Gross 50,300.00 2,0000.40% AER/Gross 2,004.00 50,0000.40% AER/Gross 50,100.00 2,0000.30% AER/Gross 2,001.50 50,0000.30% AER/Gross 50,037.502 years1 years6 months3 monthsFor the purpose of these calculations, it is assumed: Initial deposit of either 2,000 or 50,000 No further deposits No withdrawals No change to the interest rate during the fixed termProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.
17How do I openand managemy account?Eligibility:– aged 7 years or over– have an HSBC current account or savings account (excluding an ISA,Regular Savings Account or Basic Bank Account) which you mustmaintain for the duration of the fixed term.– If you are aged between 7 years and 15 years you will need yourapplication signed by a parent or guardian.– If you are aged 18 years or over, you may also open a beneficiary accountfor a child providing you also hold a Future Saver for Children in the samenames. This can only be opened in branch.How to open the account:– open an account via Online Banking, Telephone Banking or in branch.Minimum/Maximum Balance:– only one deposit per Fixed Rate Saver– the minimum deposit is 2,000– the maximum deposit is 1,000,000.How to manage the account:– once opened you can view your balance via Online Banking or via theHSBC Mobile Banking App. You can manage the account via TelephoneBanking or in branch.Can I withdrawmoney?Deposits of 50,000 or over: You can’t close the product or withdraw anymoney until the end of your fixed rate period.Deposits under 50,000: You can withdraw all of the money and close theproduct early, for a fee of 90 days interest. You can’t withdraw part of the money.At the end of the fixed rate period your account will be closed and your fundsand interest paid into the account they came from unless you have asked usto reinvest some/all of your funds.AdditionalInformationThere is no cancellation period with this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change in the future.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
18Summary BoxAccount NameHSBC Premier Family SavingsWhat is theinterest rate?BalanceAll balancesInterest Rates0.05% AER/GrossInterest is calculated daily and credited to the account monthly.Can HSBCchange theinterest rate?Yes, we can change the interest rate on this account in line with clause 28 ofthe MyMoney and HSBC Premier Family Savings Terms and Conditions: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in advance.What wouldInitial DepositInterest Ratethe estimatedbalance be 1,0000.05% AER/Grossafter 12 monthsbased onFor the purpose of this calculation it is asssumed:a 1,000 deposit? Initial deposit of 1,000Balance at endof 12 months 1,000.50 No further deposits No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.How do I openand managemy account?Eligibility:– aged between 18 and 25 years old– parent/legal guardian must be an HSBC Premier customerHow to open the account:– open an account via Online Banking, Telephone Banking or in branch.Minimum/Maximum Balance:– a minimum of 1 must be deposited to open an account– there is no maximum balanceHow to manage the account:– once opened you can manage the account via Online Banking, viaTelephone Banking, the HSBC Mobile Banking App or in branch.Can I withdrawmoney?Yes, you have instant access to your account. You can make as many fee freewithdrawals as you like.
19AdditionalInformationA 14 day cancellation period applies to this account.We do not deduct tax from any interest paid to you.Tax benefits depend on individual circumstances and could change in the future.Definitions AER stands for Annual Equivalent Rate. This shows you what the grossrate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compoundedeach year.Rates correct as at 25.01.17
20Summary BoxAccount NameMySavings/HSBC Premier MySavingsWhat is theinterest rate?BalanceInterest RateMySavingsPremier MySavingsUp to 3,0002.75% AER (2.72% Gross)2.75% AER (2.72% Gross) 3,000 0.25% AER (0.25% Gross)0.25% AER (0.25% Gross)Interest is calculated daily and credited to the account monthly.Balances up to 3,000 will earn the higher rate of interest. Only the part ofthe balance above 3,000 will earn the lower rate of interest.Can HSBCchange theinterest rate?What wouldthe estimatedbalance be after12 months basedon a range ofdeposits?Yes, we can change the interest rate on this account in line with clause 28 ofthe MyMoney and HSBC Premier Family Savings Terms and Conditions: If we increase the rate of interest, we’ll either tell you personally within 31days, or within 3 working days provide the details in a notice in the pressand on our Rates and Charges notice in branches. We’ll also display thisinformation on our website. If we reduce the rate of credit interest we’ll tell you personally at leasttwo months in advance.InitialDepositMySavings 1,0002.75% AER 1,027.54(2.72% Gross)2.75% AER 1,027.54(2.72% Gross) 5,0002.75% AER 5,087.64(2.72% Gross)on 1st 3,000then 0.25%on any balanceabove 3,0002.75% AER 5,087.64(2.72% Gross)on 1st 3,000then 0.25%on any balanceabove 3,000InterestRatePremier MySavingsBalance atendof 12 monthsInterestRateBalance atend of 12monthsFor the purpose of this calculation it is asssumed: Initial deposit of 1,000 and 5,000 No further deposits No withdrawals No change to the interest rate during the 12 monthsProjection provided for illustrative purposes only and does not take intoaccount individual circumstances.
21How do I openand managemy account?Eligibility:– aged between 7 - 17 years oldHow to open the account:– open an account in branch. If you are under 16 you will need your parent/guardian to sign the application however as the account will be in yourname then you must be present in branch to open the account.Minimum/Maximum Balance:– a minimu
The standard rate of interest is paid in any month where a withdrawal is made or you close your account. The interest rate including bonus is paid in any month where you don't make a withdrawal or don't close your account. Balances up to 50,000 will earn the higher rate of interest. Only the part of
HSBC Mutual Funds and HSBC Pooled Funds Annual Information Form November 12, 2021 HSBC Mutual Funds Cash and Money Market Funds1 HSBC Canadian Money Market Fund HSBC U.S. Dollar Money Market Fund Income Funds HSBC Mortgage Fund1 HSBC Canadian Short/Mid Bond Fund1 HSBC Canadian Bond Fund1 HSBC Global Corporate Bond Fund1
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