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Loyalty Cash ISA
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At a glance
About
Lock in a loyalty interest rate for 12 months each time you pay into your account. For current account customers only.
Interest rate
Loyalty rate: 2.85% AER (2.81% tax-free)
Premier customer loyalty rate: 3.20% AER (3.15% tax-free)
Standard rate: 2.50% AER (2.47% tax-free)
Often used for
Saving up to £20,000 tax free when you want (restrictions apply).
Tax free means it's paid free from UK Income Tax and Capital Gains Tax.
Access
Instant access
Balance/deposit requirements
Min: £1
Max: No maximum balance.
The overall annual ISA subscription limit is subject to change every year (currently £20,000). Within this, the Lifetime ISA has its own annual payment limit (currently £4,000). You can only subscribe to one type of cash ISA and one type of stocks and shares ISA in the same tax year across HSBC and first direct.
Who can apply?
Eligibility criteria
- aged 18 or over
- resident in the UK for tax purposes, or if not so resident, be a UK Crown servant serving overseas, or be married to, or in a civil partnership with, such a person
- hold an HSBC current account
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Additional information
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