HSBC Help to Buy: ISA

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "HSBC Help to Buy: ISA"

Transcription

1 HSBC Help to Buy: ISA

2 2 Contents What is a Help to Buy: ISA? 3 How does it work? 4 Summary box 6 Am I eligible? 7 Bonus payment 7 Ready to apply? 8 What happens next? 9 Important Information 10

3 3 What is a Help to Buy: ISA? In March 2015, the UK Government announced the introduction of a new type of cash Individual Savings Account (ISA); the Help to Buy: ISA. The Help to Buy: ISA is designed to encourage and reward people who want to save towards the deposit for their first home. First time buyers who save through a Help to Buy: ISA will receive a Government Bonus to help. The Help to Buy: ISA is a cash ISA. If you open a Help to Buy: ISA, you will not 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 be less than the maximum annual ISA limit. So start saving today to help yourself take that first step on the property ladder. The Government Bonus represents 25% of the total amount saved. The maximum Bonus payable is 3,000 and the minimum is 400. HSBC also offer a Loyalty Cash ISA. For details of this and all our other savings products please visit visit your local branch or give us a call and a member of our team will be happy to help.

4 4 How does it work? The Help to Buy: ISA is a cash ISA, so the interest received is tax-free. You can save up to the maximum monthly amount of 200 per calendar month, but in the first calendar month you can save an additional 1,000. The first calendar month is defined as the month in which the first credit is received in to your Help to Buy: ISA. This means, the maximum amount you can save in your first 12 month period is 3,400 the maximum annual savings thereafter is 2,400. Please note that once you have reached your maximum monthly allowance in any calendar month then any funds withdrawn can not be reinvested until the following calendar month. The minimum Government Bonus payable is 400 on savings of 1,600. The maximum Government Bonus payable is 3,000 on savings of 12,000. If you want, you can save more than 12,000 in to a Help to Buy: ISA, but the maximum Government Bonus will be 3,000. Examples of bonus payments Example 1 Help to Buy: ISA customers who have saved 12,000 are entitled to a Government Bonus of 3,000 (25% of 12,000 = 3,000) Example 2 Help to Buy: ISA customers who have saved 1,500 are not entitled to a Government Bonus (25% of 1,500 = 375) Example 3 Help to Buy: ISA customers who have saved 14,000 are entitled to the maximum Government Bonus of 3,000 (25% of 12,000 = 3,000) Bonus payments can be claimed from up to 12 months from closure date of a Help to Buy: ISA.

5 5 The bonus must be used towards a deposit for your first home. The maximum value of the property must not exceed 450,000 if in London or 250,000 in other parts of the country. You can only have one Help to Buy: ISA per person, but if you are saving towards a joint mortgage then both individuals can open a Help to Buy: ISA each (subject to Eligibility Criteria). For more details on Eligibility Criteria see the Help to Buy: ISA Terms and Conditions. You can transfer an existing Help to Buy: ISA to an HSBC Help to Buy: ISA however HSBC will not accept transfers in from other cash ISAs or stocks and shares ISAs from either HSBC or another provider. The HSBC Help to Buy: ISA is available to both new and existing customers. Interest is calculated on the daily cleared balance of your account and paid monthly. Rates are variable. For our current interest rates please see the enclosed Savings Rates leaflet. The Help to Buy: ISA gives you instant access to your funds however the bonus is calculated on your closing balance so you will not be entitled to claim the Government Bonus for any amount of money you withdraw prior to closure.

6 6 Summary Box - Key Product Information for Help to Buy: ISA Account Name Interest rates (AER) Tax status Bonus payments Withdrawal arrangements Access Help to Buy: ISA Variable rate. Interest calculated on daily cleared balance and paid monthly. See enclosed leaflet for our current interest rates. Interest is paid tax-free, that is free from UK Income Tax and Capital Gains Tax. The UK Government will pay a 25% Bonus on the total amount saved when you re ready to purchase your first home. For further details, please visit The Bonus is calculated on the closing balance in your account. 12,000 is the maximum amount you can save to be eligible for the maximum Bonus of 3,000. Please note: The Bonus is from the Government and not HSBC. The account is instant access. Withdrawals are free of charge. Once you have paid in the maximum monthly allowance, any amount withdrawn cannot be replaced until the following calendar month. You have the right to cancel your account within 30 days of opening it. You can apply for a Help to Buy: ISA in branch, over the phone or by post. You can transfer an existing Help to Buy: ISA from another provider by completing and submitting a paper form with us. Once opened you can manage your account online, via our mobile app, in branches or over the phone.

7 7 Am I eligible? You are eligible to open a Help to Buy: ISA if you are: ``Aged 16 years of age or over ``Are resident in the United Kingdom ``Have a National Insurance Number ``Have not subscribed to another cash ISA in the same tax year ``Have not previously received a Bonus under the Help to Buy: ISA scheme rules (further details on the scheme rules can be found at gov.uk/isa) ``Have never been an owner of a residential property For other terms and conditions which may apply please visit Opening an HSBC Help to Buy: ISA does not guarantee you will be able to obtain a mortgage. Bonus Payment When you are ready to buy your residential property you will need to claim your Bonus. The first step is to close your HSBC Help to Buy: ISA. After we receive your instruction, we ll close your account and send you closing document information including a closing document information including a closing statement and details of your closing balance. You will then need to appoint an Eligible Conveyancer to make a claim and receive the funds on your behalf. For the definition of an Eligible Conveyancer and more information on how to claim your bonus please visit The Government Bonus can be claimed from up to 12 months from closure date of your Help to Buy: ISA

8 8 Ready to apply? When you are ready to apply call us on the telephone numbers below, download and print an application form at or call in at any HSBC branch and we will be happy to help. Our Help to Buy: ISA is available to both new and existing customers. Make sure you have your National Insurance Number with you and then; Drop in to any HSBC Bank branch and we will take care of the rest. Call us on * (textphone ). Once your account is open, we can help you set up a standing order so you don t miss a payment. You can do this by asking us in branch, give us a call or log in online. If you are currently banking or looking to start banking with HSBC we may need to see proof of your identity and your home address. This is a legal requirement that helps us to protect you from criminals who might use your name or information without your knowledge. It also helps us make sure we re offering you the products and services that are most suited to your needs. We will also ask you questions about yourself and how you plan to use the account. In some circumstances we will ask more detailed questions about your income and your wealth. Further information Participation in the Help to Buy: ISA Scheme is subject to the scheme rules which can be found at:

9 9 What happens next? Once your HSBC Help to Buy: ISA application has been received and opened by us, we will send you a welcome letter and declaration form (unless you opened your account in branch in which case you will be handed copies of all relevant documents at this time). We will also send you a pack containing the terms and conditions of the account together with an interest rate insert. A statement will be issued on receipt of the first credit to your account and then annually in April.

10 10 Important Information The information in this brochure is based on our understanding of current UK tax law and HM Revenue & Customs practice at the time of going to press. Future changes in UK tax law and practice could affect this information. The value of the tax treatment will depend on individual circumstances. Current tax treatment may not be maintained in the future. All ISA providers are required to report details of ISA subscriptions made by their customers to HM Revenue & Customs (HMRC) so that HMRC can check that individuals do not exceed the limits. Cancellation If you decide that you no longer want your Help to Buy: ISA, you have 30 days from the day we open your Account (or, for telephone applications, the day you receive the Terms and Conditions in the post) to cancel your contract with us by closing your Account. This can be done by writing to us or via our Personal Internet Banking service. We will close your Account and pay you the balance in it with gross interest at the appropriate rate. After you have cancelled your application you will have the opportunity to open another cash ISA within the same tax year as HM Revenue & Customs will treat the cancelled subscription as if it had never taken place. For applications made close to the end of the tax year and then cancelled in the following tax year, you will not be able to open a cash ISA for the previous tax year. If you decide that you want to close the Account after the 30-day cancellation period then we will need written confirmation of this or instructions via our Personal Internet Banking service. You will not then be able to subscribe to another cash ISA within the same tax year. If, following the transfer of an Help to Buy: ISA to us from another ISA manager, you wish to cancel your Account but still retain the tax benefits of holding the money transferred in an ISA, you will have the option of transferring the ISA back to the original ISA manager (if they agree) or to another ISA manager. Alternatively, you may want to withdraw any money transferred to us and if you do we will pay this to you together with gross interest earned. If you withdraw in this way you will lose the tax benefits of a cash ISA and the funds will not qualify for the Government Bonus. Funding ISAs for children If a parent gives their child funds to invest in an ISA* and the income arising on all gifts from that parent to their child in the

11 11 tax year exceeds 100, then all the income will be treated as the parent s for tax purposes. Even though the income arises in an ISA, it will be taxable and the parent should report the income to their tax office. *Please note that the child must be 16 years or over to be eligible for a cash ISA. We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to the current FSCS limit for deposits. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, each depositor would have a separate claim up to the FSCS deposit limit and so the maximum amount that could be claimed in total would be twice the current FSCS deposit limit. The FSCS deposit limit relates to the combined amount in all the eligible depositor s accounts with the bank, including their share of any joint account, and not to each separate account. First Direct and HSBC are both trading names of HSBC Bank plc and customers who hold deposits under both trading names will only be eligible for one claim of up to the FSCS deposit limit in total. For further information about the scheme (including the current limits, amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website or call the FSCS on or How to complain If you are unhappy in any way with our products and services then please let us know. You can ask for a copy of our leaflet Listening to your comments. This may help you to present your concerns to us. If you ever need to complain, please write to us or call us. HSBC Bank plc and HSBC Trust Company (UK) Limited are members of the Financial Ombudsman Service, so if you re not satisfied with our response, you can complain to: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone:

12 The Financial Ombudsman Service will generally review complaints from retail customers. However, their criteria for reviewing complaints may mean that even if you have been categorised by a provider of products and services as a retail client they may not regard you as an eligible complainant. Complaining to the Financial Ombudsman Service won t affect your legal rights. A written copy of our complaint procedure can be obtained by calling us. For accounts held in the Channel Islands or the Isle of Man you may be entitled to refer your complaint to the Financial Services Commission in Jersey or Guernsey and the Financial Services Ombudsman Scheme in the Isle of Man. Definitions AER (Annual Equivalent Rate) this is a notional rate which illustrates what the gross rate would be if interest was paid and compounded each year. Gross means the interest rate before the deduction of tax applicable to interest on savings accounts. Tax free means free from personal liability to any UK Income Tax and Capital Gains Tax. The value of the tax benefits provided by a cash ISA depends on your individual circumstances. The tax treatment of ISAs could change in the future * Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year s Day). To help us continually improve our service, and in the interests of security, we may monitor and/or record your communication with us. This document has been printed on paper made from responsibly-managed forests. hsbc.co.uk Issued by HSBC Bank plc Registered Office: 8 Canada Square, London E14 5HQ Customer Information: PO Box 6201, Coventry CV3 9HW PO Box 14, St Helier, Jersey JE4 8NJ* PO Box 31, St Peter Port, Guernsey GY1 3AT* PO Box 20, Douglas, Isle of Man IM99 1AU* *Local compensation schemes apply. Printed by St Ives Management Services Ltd. HTCOMP1 MCP /15 HSBC Bank plc All Rights Reserved. AC38656

HSBC Loyalty Cash ISA. Tax-free savings

HSBC Loyalty Cash ISA. Tax-free savings HSBC Loyalty Cash ISA Tax-free savings 2 What s in this guide What is an ISA? 3 How much can I pay into an ISA? 3 Our Loyalty Cash ISA 4 How our Loyalty Cash ISA works 5 Ready to apply? 6 Transferring

More information

Savings. Helping you find the right balance

Savings. Helping you find the right balance Savings Helping you find the right balance 2 3 A global bank with local knowledge We are a member of the HSBC Group, one of the world s largest global banks, who look after the needs of over 50 million

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates The information in this leaflet is correct as at 18 August 2015 This leaflet forms an integral part of our Savings brochure. Loyalty Cash ISA Flexible Saver HSBC Premier Savings

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates The information in this leaflet is correct as at 12 August 2016 This leaflet forms an integral part of our Savings brochure. Loyalty Cash ISA HSBC Help to Buy: ISA Flexible Saver

More information

Getting started. Introducing your account

Getting started. Introducing your account Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,

More information

Save Together. Terms and Conditions

Save Together. Terms and Conditions Save Together Terms and Conditions Save Together Subject to eligibility. Save Together offer Terms and Conditions apply. Save Together offer is a benefit of the HSBC Advance Bank Account. This document

More information

Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA

Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA This is an important document. You need to read this before you open a Stockmarket Linked Savings Account

More information

Basic Bank Account. Everyday banking made easy

Basic Bank Account. Everyday banking made easy Basic Bank Account Everyday banking made easy Basic Bank Account Basic Bank Account is an account which is simple to understand and easy to manage. It gives you basic banking facilities to keep you in

More information

personal savings accounts

personal savings accounts Important information about personal savings accounts STANDARD LIFE CASH SAVINGS A DIVISION OF BARCLAYS 152970.indd 1 06/07/2010 08:07 152970.indd 2 06/07/2010 08:07 Changes to the interest rates on our

More information

Graduate Bank Account

Graduate Bank Account Graduate Bank Account 2 Congratulations. All that studying is behind you and you re on the verge of an exciting new chapter. Yet in the middle of all this change, one thing you don t want to worry about

More information

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account)

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Available to HSBC InvestDirect and HSBC InvestDirect Plus customers Important information you need to know Effective

More information

Business Reward Account

Business Reward Account Business Reward Account Additional Conditions For all HSBC Business Reward Account customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should

More information

Interest is paid tax-free^

Interest is paid tax-free^ Account Name Interest rates (AER*) Summary Box Key Product Information for our Savings Account(s) smile Cash ISA 0.50% tax-free^/aer* variable if you are a smile current account customer. 0.31% tax-free^/aer*

More information

BP p.l.c. Individual Savings Account

BP p.l.c. Individual Savings Account BP p.l.c. Individual Savings Account October 2014 2 Contents page How to contact us About this brochure 2 How to contact us 2 ISAs explained 3 Taxation 3 Risks associated with this investment 4 Eligibility

More information

Business High Interest Deposit Bond

Business High Interest Deposit Bond Business High Interest Deposit Bond Additional Conditions For all HSBC Business High Interest Deposit Bond customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability

More information

Welcome to student banking. The essentials you need

Welcome to student banking. The essentials you need Welcome to student banking The essentials you need 2 Your journey is about to begin... Welcome to HSBC student banking. Just like your new friends, we re here to support you during your studies. We ll

More information

Key Features of the Stocks & Shares ISA

Key Features of the Stocks & Shares ISA Key Features of the Stocks & Shares ISA Reference NGS250/A 06.14 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you

More information

WHERE SAVERS COME FIRST. (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER

WHERE SAVERS COME FIRST. (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER WHERE SAVERS COME FIRST (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER The Financial Services Authority is the independent Financial Services regulator. It requires us, BM Savings, a division

More information

General Price List and Interest Rates

General Price List and Interest Rates General Price List and Interest Rates The information in this leaflet is correct as at 10 November 2014 The prices and information in this leaflet apply to your personal account, unless your account is

More information

Cash ISA. Key features of our

Cash ISA. Key features of our Key features of our The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information to help you decide whether

More information

Client Accounts. Additional Conditions. For all HSBC Clients Deposit and Currency Client Accounts as of 6 April 2016.

Client Accounts. Additional Conditions. For all HSBC Clients Deposit and Currency Client Accounts as of 6 April 2016. Client Accounts Additional Conditions For all HSBC Clients Deposit and Currency Client Accounts as of 6 April 2016. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should

More information

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 1 July 2014

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 1 July 2014 Student and Graduate Price List and Interest Rates The information in this leaflet is correct as at 1 July 2014 2 This leaflet applies to Student, Graduate and Gap Year Bank Accounts. The prices and information

More information

first direct shares Key Features Document Important information, please read carefully

first direct shares Key Features Document Important information, please read carefully first direct shares Key Features Document Important information, please read carefully Contents How to contact us 2 Aims 3 Your commitment 3 Risks 3 Questions and answers 4 Rates and fees 9 Further information

More information

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 10 November 2014

Student and Graduate. Price List and Interest Rates. The information in this leaflet is correct as at 10 November 2014 Student and Graduate Price List and Interest Rates The information in this leaflet is correct as at 10 November 2014 2 This leaflet applies to Student, Graduate and Gap Year Bank Accounts. The prices and

More information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key Features of the Funds Portfolio and ISA Funds Portfolio Key Features of the Funds Portfolio and ISA Funds Portfolio Global Investment Centre This is an important document. You need to read this before you invest in the Funds Portfolio and ISA Funds Portfolio.

More information

Stocks & Shares ISA Key Facts. This is an important document which you should keep.

Stocks & Shares ISA Key Facts. This is an important document which you should keep. Stocks & Shares ISA Key Facts! This is an important document which you should keep. 2 Key Facts of the Alliance Trust Savings Stocks & Shares ISA The Financial Conduct Authority is the independent financial

More information

Text Banking. Customer User Guide

Text Banking. Customer User Guide Text Banking Customer User Guide Your mobile phone can give you access to Text Banking. You can ask HSBC to text you mini-statements on the day of your choice, showing your balance and up to five transactions.

More information

ISAs watch your savings grow

ISAs watch your savings grow ISAs watch your savings grow Includes Help to Buy: ISA Be more than a number INDIVIDUAL SAVINGS ACCOUNTS, better known as ISAs, are a tax free way to save. In the current tax year, you can save or invest

More information

Key features of the Aviva Stocks & Shares ISA

Key features of the Aviva Stocks & Shares ISA Key features of the Aviva Stocks & Shares ISA Retirement Investments Insurance Health Key features of the Aviva Stocks & Shares ISA The Financial Conduct Authority is a financial services regulator. It

More information

Personal support for your personal economy. HSBC Premier Account

Personal support for your personal economy. HSBC Premier Account Personal support for your personal economy. HSBC Premier Account HSBC Premier personal support for your personal economy. Always there, wherever and whenever you need us. Preferential access to accounts

More information

HSBC Insurance Aspects: Mobile Phone Insurance

HSBC Insurance Aspects: Mobile Phone Insurance HSBC Insurance Aspects: Mobile Phone Insurance Policy Terms and Conditions Please read this policy document and keep it for reference Please take time to read this booklet as it contains important information

More information

smile cash ISA Key features of our

smile cash ISA Key features of our Key features of our smile cash ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, smile, to give you this important information to help you decide whether

More information

We focus on the most important economy in the world. Yours.

We focus on the most important economy in the world. Yours. We focus on the most important economy in the world. Yours. Welcome to your personal economy. 2 Welcome and thank you for choosing HSBC Premier. In this fast-moving global economy, new opportunities and

More information

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account)

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Available to HSBC InvestDirect and HSBC InvestDirect Plus customers Important information you need to know 2 Contents

More information

HSBC Premier Price List

HSBC Premier Price List HSBC Premier Price List HSBC Premier customers receive preferential rates on many accounts and services. If you have any questions, please call the HSBC Premier telephone banking service on 03457 70 70

More information

Business Telephone Banking

Business Telephone Banking Business Telephone Banking Additional Conditions For all HSBC Business Telephone Banking customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you

More information

Interest Rates for Savings and Bank Accounts

Interest Rates for Savings and Bank Accounts Interest Rates for Savings and Bank Accounts The accounts referred to in this document are available to clients subject to eligibility. Terms apply. Please speak to your usual contact for further details.

More information

Key Features of the HSBC Child Trust Fund ( HSBC CTF )

Key Features of the HSBC Child Trust Fund ( HSBC CTF ) Key Features of the HSBC Child Trust Fund ( HSBC CTF ) This is an important document. You need to read this before you invest in the HSBC CTF. 1 November 2011 Key Features of the HSBC CTF The purpose of

More information

Stocks and Shares ISA

Stocks and Shares ISA Your modern mutual Stocks and Shares ISA Key features document What is the purpose of this document? The Financial Conduct Authority is the independent financial services regulator. It requires us, The

More information

Business Debit Card Cardholder Terms

Business Debit Card Cardholder Terms Business Debit Card Cardholder Terms Additional Conditions For all HSBC Business Debit Card Cardholders as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What

More information

Immediate Vesting Personal Pension Plan Key features

Immediate Vesting Personal Pension Plan Key features Immediate Vesting Personal Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.

More information

Key Features of the Stocks & Shares ISA

Key Features of the Stocks & Shares ISA Key Features of the Stocks & Shares ISA Reference NGS250/A 05.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you

More information

Interest Rates for Savings and Bank Accounts.

Interest Rates for Savings and Bank Accounts. Interest Rates for Savings and Bank Accounts. Rates apply to accounts held with rates may vary. Reference rates The sterling base rate is the Bank of England Base Rate which is currently %. The US dollar

More information

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read Key Features of HSBC InvestDirect and HSBC InvestDirect Plus Important information you need to read 2 Contents Section Page How to contact us 2 Key Features of these products 3 Questions and answers 5

More information

Business Text Message Banking

Business Text Message Banking Business Text Message Banking Additional Conditions For all HSBC Business Text Message Banking customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What

More information

first direct shares - stocks and shares ISA (Individual Savings Account)

first direct shares - stocks and shares ISA (Individual Savings Account) first direct shares - stocks and shares ISA (Individual Savings Account) Available to first direct share dealing customers This is an important document. You need to read this before you apply. Contents

More information

Business Money Market Account

Business Money Market Account Business Money Market Account Additional Conditions For all HSBC Business Money Market account customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What

More information

Important information about your savings account

Important information about your savings account Important information about your savings account Important information about your savings account 1 Thank you for opening a Kent Reliance savings account. This leaflet contains information to help you

More information

Key Features of the SIF Plan and SIF ISA

Key Features of the SIF Plan and SIF ISA Key Features of the SIF Plan and SIF ISA This is an important document. You need to read this before you invest in the SIF Plan and/or SIF Individual Savings Account. 6 April 2016 January 2011 2 Key Features

More information

HSBC Loyalty Cash ISA Application, Transfer and Reactivation Form

HSBC Loyalty Cash ISA Application, Transfer and Reactivation Form Online LISA Tax year 2013/14 For Bank use only CIN HSBC Loyalty Cash ISA Application, Transfer and Reactivation Form Useful Guidance Please complete using black ink and BLOCK CAPITALS. Please initial any

More information

Mobile Banking App. Summary, Terms and Conditions and Important Information

Mobile Banking App. Summary, Terms and Conditions and Important Information Mobile Banking App Summary, Terms and Conditions and Important Information Contents: Page Summary of the terms and conditions 2-3 Terms and Conditions 3-7 1. Glossary 3 2. Using the Mobile Banking App

More information

HSBC Loyalty Cash ISA Application, Cash Transfers In and Reactivation Form

HSBC Loyalty Cash ISA Application, Cash Transfers In and Reactivation Form Online LISA Tax year 2014/15 For Bank use only HSBC Loyalty Cash ISA Application, Cash Transfers In and Reactivation Form Useful Guidance Please complete using black ink and BLOCK CAPITALS. Please initial

More information

Legal & General (Portfolio Management Services) Limited. Stock Market Linked Savings Bond 1 Individual Savings Account (ISA) Key Features

Legal & General (Portfolio Management Services) Limited. Stock Market Linked Savings Bond 1 Individual Savings Account (ISA) Key Features Legal & General (Portfolio Management Services) Limited Stock Market Linked Savings Bond 1 Individual Savings Account (ISA) Key Features Wealth management made easier by Legal & General Legal & General

More information

Business Money Market Account

Business Money Market Account Business Money Market Account Additional Conditions For all HSBC Business Money Market account customers as of 30 June 2016. 2 Table of Contents Page How to reach us 3 If you have a disability 3 1. What

More information

Purchased Life Annuity Key Features

Purchased Life Annuity Key Features Purchased Life Annuity Purchased Life Annuity Key Features This document shows the main points about your annuity. Please read it with your Personal Example and keep them with your documents relating to

More information

The UK Fixed Income Plan 1

The UK Fixed Income Plan 1 The UK Fixed Income Plan 1 A five year fixed term investment providing a fixed income of either 6.25% once a year or 0.50% monthly. Your capital is not guaranteed and you may get back less than you invested.

More information

Business Internet Banking

Business Internet Banking Business Internet Banking Additional Conditions For all HSBC Business Internet Banking customers as of 1 December 2014. Table of Contents Page How to reach us 3 If you have a disability 3 1. What you should

More information

Key Features Document

Key Features Document Keyfacts Key Features Document Transact Individual Savings Account (ISA) Integrated Financial Arrangements plc A firm authorised and regulated by the Financial Conduct Authority The Financial Conduct Authority

More information

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read Key Features of HSBC InvestDirect and HSBC InvestDirect Plus Important information you need to read 2 Contents Section Page How to contact us 2 Aims 3 Your commitment 3 Risks 3 Questions and answers 4

More information

INVESTING WITH IPS. This brochure supports the Key Investor Information Document.

INVESTING WITH IPS. This brochure supports the Key Investor Information Document. 1 INVESTING WITH IPS LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) INVESTING WITH IPS. This brochure supports the Key Investor Information Document. 2 INVESTING WITH IPS WELCOME TO THE INVESTOR PORTFOLIO

More information

Business Banking Deposit Accounts

Business Banking Deposit Accounts Business Banking Deposit Accounts Additional Conditions For HSBC: Business Money Manager and Community Savings Accounts International Fixed Term Deposits as of 30 June 2016. Table of Contents How to reach

More information

Interest Rates for Savings Accounts

Interest Rates for Savings Accounts Interest Rates for Savings Accounts Intermediaries Rates apply to Barclays Private Clients International Limited Reference Rates The following reference rates are used for products that track the Base

More information

INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES. What is the

INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES. What is the Legal & General (Portfolio management SERVICES) LIMITED Legal & General Stock Market Linked Savings Bond 7 Individual Savings Account (ISA). Key Features 2 INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES

More information

No Notice and Notice Deposit Accounts. Capital Millennium Bond. Short Term Fixed Rate Deposit Account. Cash ISA. Junior Cash ISA

No Notice and Notice Deposit Accounts. Capital Millennium Bond. Short Term Fixed Rate Deposit Account. Cash ISA. Junior Cash ISA Terms and Conditions No Notice and Notice Deposit Accounts Capital Millennium Bond Short Term Fixed Rate Deposit Account Cash ISA Junior Cash ISA Contents General Terms & Conditions 3 Account Terms & Conditions

More information

The interest rate that applies to an account is determined according to the account balance on a tiered basis, unless indicated otherwise.

The interest rate that applies to an account is determined according to the account balance on a tiered basis, unless indicated otherwise. Intermediaries Interest Rates for savings and bank accounts Rates apply to Barclays Private CIients International Limited The accounts referred to in this document are available to clients subject to eligibility.

More information

Investment Funds. Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited

Investment Funds. Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited Investment Funds Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited About this document This document is designed to provide you with information about Investment

More information

General Conditions for Bank of Cyprus UK CharityBonds (April 2013)

General Conditions for Bank of Cyprus UK CharityBonds (April 2013) General Conditions for Bank of Cyprus UK CharityBonds (April 2013) Bank of Cyprus UK Limited ( we/our/us ), trading as Bank of Cyprus UK, incorporated in England and Wales as company number 04728421, a

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It

More information

Investment Funds Provided by RBS Collective Investment Funds Limited

Investment Funds Provided by RBS Collective Investment Funds Limited Supplementary Information Document (SID) Investment Funds Provided by RBS Collective Investment Funds Limited About this document This document is designed to provide you with information about Investment

More information

Existing Customer Mortgage Interest Rates. As at 1 September 2014

Existing Customer Mortgage Interest Rates. As at 1 September 2014 Existing Customer Mortgage Interest Rates As at 1 September 2014 Existing Customer Mortgage Interest Rates You can arrange to switch to a new mortgage deal with us up to 90 days before your current deal

More information

Capital Investment Bond Key features for additional investments only

Capital Investment Bond Key features for additional investments only Capital Investment Bond Key features for additional investments only This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services

More information

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA)

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) IMPORTANT DOCUMENT PLEASE READ THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) NON-ADVISED 02 The With Profits Individual Savings Account (ISA) KEY FEATURES OF THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates Instant Access Savings Account Instant Savings Tracker Account First Home Saver Account Bonus 30 Account Instant Access ISA Direct Saver Telephone Saver Rainbow Savings Account Cash

More information

Variable Rate Cash ISA. Tax-free savings

Variable Rate Cash ISA. Tax-free savings Variable Rate Cash ISA Tax-free savings 2 Tax free savings Our cash ISAs are free from UK income tax. Subscribe up to 15,240 tax free (Tax free means free of UK Income Tax and Capital Gains Tax) this tax

More information

Give me the facts Effective 10 November 2014

Give me the facts Effective 10 November 2014 Give me the facts Effective 10 November 2014 Contents Page Welcome 3 Discover the difference 3 Ways to bank 3 Making payments 5 Payments by cheque 8 Overdrafts 9 Switching Process 11 Additional information

More information

ST. JAMES S PLACE UNIT TRUST GROUP

ST. JAMES S PLACE UNIT TRUST GROUP ST. JAMES S PLACE UNIT TRUST GROUP SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment. Words

More information

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form HGCRPG BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form Notes on completing this form Please read the BP Corporate ISA Brochure and Corporate ISA Terms and Conditions before completing

More information

ST. JAMES S PLACE UNIT TRUST AND ISA

ST. JAMES S PLACE UNIT TRUST AND ISA ST. JAMES S PLACE UNIT TRUST AND ISA SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment.

More information

Summary of main changes to our Business Banking Price List

Summary of main changes to our Business Banking Price List Summary of main changes to our Business Banking Price List Please read through this notice carefully and keep it in a safe place for future reference. 1. Changes to Business Direct effective from 1 September

More information

Deposit Plan. Legal & General (Portfolio Management Services) Limited. Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features

Deposit Plan. Legal & General (Portfolio Management Services) Limited. Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features Deposit Plan Legal & General (Portfolio Management Services ) Limited Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features Wealth management made easier by Legal & General Legal & General

More information

Client Money Manager. Additional Conditions. For all HSBC Client Money Manager Accounts as of 6 April 2016.

Client Money Manager. Additional Conditions. For all HSBC Client Money Manager Accounts as of 6 April 2016. Client Money Manager Additional Conditions For all HSBC Client Money Manager Accounts as of 6 April 2016. Table of contents Page How to reach us 4 If you have a disability 4 1. What you should know 5 1.1

More information

Key features of the ISA Portfolio

Key features of the ISA Portfolio Key features of the ISA Portfolio Key features of the ISA Portfolio The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help

More information

Key Features of the ReAssure Level Lifetime Annuity

Key Features of the ReAssure Level Lifetime Annuity Key Features of the ReAssure Level Lifetime Annuity The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, ReAssure, to give you this important information to help you

More information

Managed ISA Additional Terms. Stockbrokers

Managed ISA Additional Terms. Stockbrokers Managed ISA Additional Terms Stockbrokers Additional Terms This document sets out the Additional Terms that form part of the Agreement as defined in the Barclays Wealth Terms. If there is any conflict

More information

Savings Interest Rate History

Savings Interest Rate History Savings Interest Rate History From 1 June 2012 to 1 June 2013 Instant Access Limited Access Cash ISAs Children s Accounts Business Accounts Our only focus is you With no shareholders to worry about, our

More information

With Profits Bond KEY FEATURES

With Profits Bond KEY FEATURES With Profits Bond KEY FEATURES CONTENTS 1 Ecclesiastical s With Profits Bond 2 Questions and Answers 5 Further Information 9 Other Information Ecclesiastical s With Profits Bond This Key Features document

More information

HSBC Child Trust Fund. Terms and Conditions

HSBC Child Trust Fund. Terms and Conditions HSBC Child Trust Fund Terms and Conditions 2 Important Information These are the Terms for your HSBC Child Trust Fund and you are advised to read them carefully. These Terms will come into force on the

More information

HSBC Insurance Aspects: Motor Breakdown Assistance

HSBC Insurance Aspects: Motor Breakdown Assistance HSBC Insurance Aspects: Motor Breakdown Assistance Please read this policy document and keep it for reference Call 0800 587 9809 (free from landlines) or 020 8603 9809 (calls to this number are charged

More information

KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES.

KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. PEnSIon AnnuITIES KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. Helping you make the right decisions for your future INsuRANCe. savings. INVesTMeNT MANAGeMeNT. 01 Key features of Legal & General

More information

Online Fixed Rate Cash ISA Range

Online Fixed Rate Cash ISA Range Online Fixed Rate Range This document provides you with key information about s so that you can make an informed and confident choice about saving with a Skipton. s protect your savings interest from Personal

More information

Banking made easy. Effective from 10 November 2014

Banking made easy. Effective from 10 November 2014 Banking made easy Effective from 10 November 2014 2 Welcome This guide explains how your account works. It takes you through the ways you may be able to access your account, make payments and keep both

More information

ISA and Investment Fund Key features

ISA and Investment Fund Key features ISA and Investment Fund Key features This is an important document. Please read it and keep for future reference. The Financial Services Authority is the independent financial services regulator. It requires

More information

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read KEY FEATURES OF THE INVESTMENT BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION RELATING TO YOUR

More information

The Personal Range Key Features of the Individual Personal Pension Transfer Value Account

The Personal Range Key Features of the Individual Personal Pension Transfer Value Account The Personal Range Key Features of the Individual Personal Pension Transfer Value Account Reference MPEN11/F 07.15 The Financial Conduct Authority is a financial services regulator. It requires us, Friends

More information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.P. Morgan ISA and J.P. Morgan Investment Account Key Features and Terms and Conditions Effective from 7 December 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES

More information

Druids Sheffield. Key Features Stocks & Shares ISA Saving with Life Assurance T45

Druids Sheffield. Key Features Stocks & Shares ISA Saving with Life Assurance T45 Druids Sheffield Key Features Saving with Life Assurance T45 We may be contacted at: Druids Sheffield Dove House, 181 Brampton Road,Wath-upon-Dearne, Rotherham, South Yorkshire S63 6BE Tel: 01709 876409

More information

Key Features Document

Key Features Document Keyfacts Key Features Document Transact Section 32 Buy Out Bond IntegraLife UK Limited A firm authorised and by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and

More information

Key Information Pack. Premier Cash ISA

Key Information Pack. Premier Cash ISA Premier Cash ISA Key Information Pack Post Office Money Premier Cash ISA is provided by Family Investments. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK. PostOfficeMoney.co.uk

More information

Portfolio Investments Key Features

Portfolio Investments Key Features Portfolio Investments Key Features Including the Investments ISA IMPORTANT INFORMATION YOU NEED TO READ AND UNDERSTAND BEFORE YOU INVEST The Financial Conduct Authority is a financial services regulator.

More information