Interest Rates

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Interest rates tool

Compare our range of savings accounts for expats. Filter and sort to see interest rates in your chosen currency.

  • Our rates can change several times daily and the interest rate tool is for indication purposes only.
  • Potentially higher rates may be available for amounts over £1,000,000 (or currency equivalent).
  • Other currencies may also be available. Please contact us for confirmation of today's rates.

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  • Whether you're living abroad, or have other international banking needs, our Expat Bank Account is your passport to better global banking.

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HelpChoose currency:

See the available accounts in your chosen currency.

HelpSelect amount to deposit:

Use the red slider to select the amount you want to deposit. This will highlight the relevant interest rate for each account.

HelpSort by higher interest or access:

Higher interest: sorts the list with our highest interest rates shown first.
Ease of access: sorts the list with our accounts offering the easiest, quickest access to your money shown first.

Higher interest

Ease of access

HelpFilter by account type:

HSBC Premier: select this to only view rates available to our HSBC Premier customers. New customers need to hold an overall minimum balance of £75,000 or currency equivalent in deposits and investments with us to qualify for an HSBC Premier account.

HSBC Premier

HSBC Advance*

All

HelpShow rates as:

AER: Annual Equivalent Rate.
This is a notional rate which illustrates what the gross rate would be if interest were paid and compounded each year.
Gross: The rate before the deduction of tax applicable to interest on savings accounts. Interest is quoted as the gross rate per annum.

Gross

AER

HelpShow accounts available / withdrawn from sale:

The list shows accounts available for you to apply for. You can keep track of the rates on accounts that are no longer available for sale by selecting “Accounts withdrawn from sale”.

Available accounts

Accounts withdrawn from sale

Accounts Interest Rates ()
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How interest is calculated and paid

  • Rates last updated on 27/06/2025 17:02
  • The frequency of interest payments and the requirements to earn interest vary by account. Please click "Find Out More" on any of the products to learn more about how interest is calculated.
  • If funds are paid into the account after midday they will be processed the next working day at the prevailing rate.
  • Interest on sterling accounts is calculated on a 365 day basis. Interest on most other currency accounts (including US dollars and euro) is calculated on a 360 day basis.
  • AER (Annual Equivalent Rate) is a notional rate, which illustrates what the credit interest rate would be if interest were paid and compounded each year. Gross interest is the rate before the deduction of tax.
  • No tax is deducted from the interest we pay. However, to help fight against tax evasion and protect the integrity of tax systems, governments around the world are introducing reporting and information-gathering requirements for financial institutions. Find out more.

JERSEY DEPOSIT PROTECTION SCHEME
HSBC Expat 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. Deposits and investments made with our office in Jersey are not protected by the rules made under the UK's Financial Services and Markets Act 2000, including the Financial Services Compensation Scheme, and the UK's Financial Ombudsman Service.

This website is provided by HSBC Bank plc, Jersey branch. If you are outside of Jersey, we may not be authorised to offer or provide you with the products and services available through this website in the country or region you are located or resident in. Cross-border disclosure.

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