Savings Interest Rates

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1 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 Premier Family Savings Online Bonus Saver MySavings Premier MySavings Future Saver for Children Regular Saver Fixed Rate Saver All offsale product rates, and previous rates for all products, can be found at or alternatively by calling us on in the UK or in the Channel Islands and Isle of Man (textphone ), or by asking in branch. Lines open 8am to 10pm every day. To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us. Loyalty Cash ISA A Loyalty rate applies for 12 months* 1 from the date of each payment into your ISA. If you make further payments into your ISA, your Loyalty rate period will begin again from the date of each payment. Upon the expiry of your Loyalty rate period, you will earn a standard rate of interest until you make a further payment. Interest is monthly, tax free and variable. ISAs are not available in the Channel Islands and Isle of Man. * 1 12 months is calculated as 366 days for interest purposes to allow for leap years. Loyalty Cash ISA Premier Rates For HSBC Premier customers Gross AER Loyalty rate 1.49% 1.50% Standard rate 0.50% 0.50% Loyalty Cash ISA Advance Rates For HSBC Advance customers Gross AER Loyalty rate 1.39% 1.40% Standard rate 0.50% 0.50% Access to the Save Together offer on the HSBC Loyalty Cash ISA* 2 * 2 Save Together is a benefit of the HSBC Advance Bank Account. To be eligible, you must be an HSBC Advance customer, hold an HSBC Loyalty Cash ISA and meet eligible payment requirements. If eligible, we ll make an additional interest payment(s) of 10 per month for up to 12 months into your HSBC Loyalty Cash ISA. Full Save Together Terms and Conditions apply. You can contact us for a copy and they are available in branch and online at Please take time to consider whether the HSBC Loyalty Cash ISA product is appropriate for your needs.

2 2 Other Current Account Rates. For all other HSBC current account customers Gross AER Loyalty rate 1.29% 1.30% Standard rate 0.50% 0.50% Flexible Saver Standard rates 50, % 0.05% 0.05% 10, % 0.05% 0.05% Under 10, % 0.05% 0.05% Preferential rates For HSBC Advance customers only. 50, % 0.10% 0.10% 10, % 0.10% 0.10% Under 10, % 0.10% 0.10% HSBC Premier Savings For HSBC Premier customers only. 50, % 0.10% 0.10% 10, % 0.10% 0.10% Under 10, % 0.10% 0.10% Premier Family Savings For year old children of a HSBC Premier customer % 0.10% 0.10% Online Bonus Saver This account can only be opened online via hsbc.co.uk or our Personal Internet Banking service. Once open the account must be solely managed online. 50, % 0.10% 0.10% Under 50, % 0.10% 0.10% Interest including bonus (where you don t make a withdrawal during a month). 50, % 0.25% 0.25% Under 50, % 0.50% 0.50% MySavings 3, % 0.50% 0.50% Under 3, % 2.96% 3.00% Premier MySavings For children of a HSBC Premier customer. 3, % 0.50% 0.50% Under 3, % 2.96% 3.00% Future Saver for Children 0.40% 0.50% 0.50%

3 3 Regular Saver* 1 Standard rates For accounts opened on or after 3 September For Bank Account Pay Monthly, Bank Account and Graduate Bank Account customers. Annual interest Fixed Rate Net Gross AER each month 3.20% 4.00% 4.00% Preferential rates For HSBC Premier and HSBC Advance customers. Annual interest Fixed Rate Net Gross AER each month 4.80% 6.00% 6.00% * 1 Note: Flexible Saver rates will apply in certain circumstances as set out in the Regular Saver Terms and Conditions if you have a Regular Saver you should have a copy of these Terms and Conditions, but if you would like an additional copy or if do not yet have a Regular Saver and would like a copy, please ask us in branch or call us on in the UK or in the Channel Islands and Isle of Man (textphone ). Start from as little as 25 a month by standing order for a fixed term of 12 months, withdrawals are not allowed in this 12 month period. The monthly subscription limit is 250. However if you do not save 250 in any given month, you can carry over any unused subscription to the following months. Regular savers can save up to a maximum of 3,000 a year into this account. Worked example: If you invest 250 per month, a total of 3,000 will be paid into your account during the 12 month term. At 6% interest, you would earn approximately 97 interest (gross). Fixed Rate Saver* 2 Annual interest Fixed for the term of your deposit. 2,000 up to 1m Net Gross AER 3 years 2, % 1.40% 1.40% 50, % 1.50% 1.50% 2 years 2, % 1.10% 1.10% 50, % 1.20% 1.20% 1 year 2, % 0.90% 0.90% 50, % 1.00% 1.00% 6 months 2, % 0.70% 0.70% 50, % 0.80% 0.80% 3 months 2, % 0.50% 0.50% 50, % 0.60% 0.60% Fixed for the term of your deposit. 2,000 up to 1m Net Gross AER 3 years 2, % 1.39% 1.40% 50, % 1.49% 1.50% 2 years 2, % 1.09% 1.10% 50, % 1.19% 1.20% 1 year 2, % 0.90% 0.90% 50, % 1.00% 1.00% 6 months 2, % 0.70% 0.70% 50, % 0.80% 0.80% *2 If your deposit is below 50,000 you may withdraw all your money before the end of the term of your Fixed Rate Saver but a fee of 90 days gross interest will apply. Depending on when the withdrawal is made, you may get back less than originally invested. Partial withdrawals are not permitted. If your deposit is 50,000 or more, early withdrawal in full or in part is not permitted.

4 4 Important information Changing interest rates Interest rates may change. Always check our current rates by either contacting your local branch or checking our website at hsbc.co.uk before saving. Our interest rates are usually advertised in The Daily Mirror, Daily Mail and The Daily Telegraph. Interest rates form part of the terms and conditions that apply to the products. If you take out a product with us, we will tell you about any change to the interest rate in accordance with the terms that apply to the product. The preferential or Premier rates shown in this leaflet only apply to certain customers as explained below. Loyalty Cash ISA you must have an HSBC current account when you take out this product. To receive the Loyalty rate, you must make a payment into your ISA at least every 12 months.* If you do not do this, you will earn a standard rate of interest until you make a further payment. You must be an HSBC Advance customer to receive the Advance Loyalty rate. If you cease to be an HSBC Advance customer, with immediate effect you will cease to receive the Advance Loyalty rate and will instead receive the Banking Loyalty rate. You must be an HSBC Premier customer to receive the Premier Loyalty rate. If you cease to be an HSBC Premier customer, with immediate effect you will cease to receive the Premier Loyalty rate and will instead receive the Banking Loyalty rate or Advance Loyalty rate (whichever is applicable). * 12 months is calculated as 366 days for interest purposes to allow for leap years. Flexible Saver you must be an HSBC Advance customer to receive the preferential rate. If you cease to be an HSBC Advance customer, with immediate effect you will also cease to receive the preferential rate on your Flexible Saver and will instead receive the standard rate. If you were not an HSBC Advance customer when you opened your Flexible Saver and you subsequently become an HSBC Advance customer, with immediate effect you will receive the preferential rate on your Flexible Saver instead of the standard rate. Regular Saver you must be an HSBC Premier or HSBC Advance customer when you take out this product to receive the preferential rate. You will receive the benefit of the preferential or Premier rates until the end of the fixed term, even if you cease to be an HSBC Premier or HSBC Advance customer during this period. Please see the terms and conditions that apply to your product and the terms and conditions and brochures that apply to HSBC Premier, HSBC Advance, HSBC Advance (Graduate), and HSBC Passport for details. Important information about compensation arrangements HSBC Bank plc is 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 org.uk or call the FSCS on or Please note only compensation related queries should be directed to the FSCS. Deposits made with our branches in the Channel Islands and the Isle of Man are not protected by the FSCS.

5 5 Channel Islands and Isle of Man customers Deposits made with our branches in the Channel Islands and the Isle of Man are not protected by the rules made under the UK s Financial Services and Markets Act 2000 for the protection of retail clients, including the UK financial Services Compensation Scheme and the Financial Ombudsman Service. HSBC Bank plc is a participant in the Jersey Bank Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details of the scheme and banking groups covered are available on the states of Jersey website or on request. HSBC Bank plc is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for qualifying deposits up to 50,000, subject to certain limitations. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details are available on the Scheme s website gg or on request. HSBC Bank plc is a participant in the Isle of Man Depositors Compensation Scheme as set out in the Depositors Compensation Scheme Regulations In Jersey HSBC Bank plc is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business and we abide by the Code of Practice for Consumer Lending. In Guernsey HSBC Bank plc is licensed by the Guernsey Financial Services Commission for Banking, Insurance, Collective Investment Schemes and Investment Business. In the Isle of Man, HSBC Bank plc is licensed by the Isle of Man Financial Supervision Commission. General explanations Net rate The rate after deduction of basic UK tax applicable to interest, currently 20%. Higher rate taxpayers will have an additional liability. Net rates do not apply to Channel Islands and Isle of Man customers. All rates are rounded to two decimal places. Gross rate The rate before deduction of tax applicable to interest on savings accounts. AER (Annual Equivalent Rate) A notional rate which illustrates what the gross rate would be if interest was paid and compounded each year. Tax-free Tax-free means free of Income Tax and Capital Gains Tax. Note interest will normally be paid with tax deducted UK non-taxpayers may register to receive their interest gross by completing the R85 registration form available from your branch.

6 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 see inside for details (Pack of 50) MCP /15 HSBC Bank plc All Rights Reserved. AC /CN/290

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