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Easy access savings accounts
Keep your savings within easy reach
Help your money grow. Get it when you want
Want to save but don't fancy locking your money away for a year or more? One of our easy access savings accounts could be just what you're after. Open an account today and enjoy instant access to your cash.
Why choose an HSBC easy access savings account?
Earn tax-free interest
The first £1,000 you earn in interest each tax year is tax-free（https://www.hsbc.co.uk/savings/personal-savings-allowance/） if you're a basic rate taxpayer, so more stays in your pocket. 1
Get your money when you need it
No waiting. No fuss. Withdraw your money easily online or at a Full Service or Cash Service branch（https://www.hsbc.co.uk/ways-to-bank/branch-banking/#our-branch）.
Manage your account easily on the go
Use online banking or our Mobile Banking app（https://www.hsbc.co.uk/ways-to-bank/mobile/） to manage your account wherever and whenever you want.
Savings goals
Saving for something special? Using our in-app feature（https://www.hsbc.co.uk/ways-to-bank/mobile/） can help you reach your goals.
Our easy access savings accounts
Online Bonus Saver（https://www.hsbc.co.uk/savings/products/online-bonus-saver/）
Get a higher interest rate in any months you don't make a withdrawal. For existing HSBC customers only. You can only open this account online.
Bonus rate up to £50,000: 3.75% AER / 3.69% gross
Standard rate on all balances: 1.10% AER / 1.09% gross
Minimum deposit: £1
Interest is paid monthly and the rate is variable.
Flexible Saver（https://www.hsbc.co.uk/savings/products/flexible-saver/）
Our most flexible savings account. Save and make withdrawals as often as you like, and access your account the way you want.
Interest rate: 1.10% AER / 1.09% gross
Minimum deposit: £1
Interest is paid monthly and the rate is variable.
Premier Savings（https://www.hsbc.co.uk/savings/products/premier/）
Help your money work harder with our flexible savings account exclusively for HSBC Premier customers.
Up to £50,000: 1.15% AER / 1.14% gross
Between £50,000 to £100,000: 1.25% AER / 1.24% gross
Over £100,000: 1.75% AER / 1.74% gross
Minimum deposit: £1
Interest is paid monthly and the rate is variable.
Related articles
What is the Personal Savings Allowance?（https://www.hsbc.co.uk/savings/personal-savings-allowance/）
Find out how you can earn tax-free interest thanks to this handy allowance.
How to save money（https://www.hsbc.co.uk/savings/how-to-save-money/）
Follow our 5 simple steps to help you save money more easily.
ISAs vs savings accounts（https://www.hsbc.co.uk/savings/isas-vs-types-of-savings-accounts/）
What’s the best way for you to save? Explore the options and decide for yourself.
Frequently asked questions
What is an easy access savings account?
Easy access savers are savings accounts that let you withdraw money without any fees or charge.
They typically have lower interest rates than fixed rate saver accounts, but let you withdraw your money without any fuss.
Interest is paid monthly, and the rate is variable. For more information about our savings accounts interest rates please click here（https://www.hsbc.co.uk/savings/interest-rates/）.
How does a savings account work?
A savings account lets you earn interest on the money you put away.
How much interest you earn depends on the amount you save and the interest rate.
Can I access my savings account online?
You can access your savings online, on your phone or in-branch.