Find the highest equivalent time deposit, fixed bond and term deposit rates from Channel Islands, UK/Europe and around the world. Please only visit our branches if your need is critical and you’re unable to do what you need to using our telephone, online or mobile banking services. Interest rates fixed and paid monthly, annually or on maturity depending on the term. Available terms are: 3 months, 6 months and 1 year. Know how much you’ll earn right from the start. You may have to pay an early repayment charge to your existing lender if you remortgage. once opened you can view your balance via online banking. We have 3 ways for you to choose from – online, telephone or branch. Gain a unique insight into how expat life differs across the globe. If you were moving abroad, what would you want to know? Find out the results from one of the largest global independent survey of expats. Deposit at least £25 a month. Five Oaks and St Brelade branches are closed temporarily. If the deposit is under £50,000, you can close the account early for a fee of 90 days' interest. Lines are open 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day). The interest rate depends on the amount you deposit and the length of the term. We can provide a mask if you don't have one, but you won’t be served if you refuse to wear one without a valid government exemption (visit gov.je for information). Gross is the rate of interest if interest were paid and not compounded each year.. If you have been financially impacted by the coronavirus, please visit our coronavirus guidance page for information on how we could help. AER stands for Annual Equivalent Rate.This shows you what the gross rate would be if interest were paid and compounded each year. We offer tiered rates of interest depending on deposit and term. if you choose monthly interest, we'll pay interest on the monthly anniversary of your account being opened. There is no cancellation period with this account. We do not deduct tax from any interest paid to you. Calls to 0800 numbers are chargeable from most mobile operators. At the end of the fixed rate period your account will be closed and your funds and interest paid into the account they came from unless you have asked us to reinvest some/all of your funds. Representative example: *The Annual Percentage Rate of Charge (APRC) on a Personal Loan of â¬10,000, repayable over 7 years at a fixed borrowing rate of 4.99% per annum, and subject to a processing fee of â¬40, will be 5.3%. Choose a term, deposit a minimum of £2,000 into your Fixed Rate Saver and earn interest at a great fixed rate. There is no cancellation period. Tax-free means free from UK Income Tax and Capital Gains Tax.. ISA stands for Individual Savings Account.. All rates are variable unless otherwise indicated. HSBC Bank A.Å. Definitions. A Loyalty rate applies for 12 months from the date of each payment into your ISA. Discover how HSBC Private banking provides business owners, principals and their families with the capabilities to grow, manage and preserve their wealth for the future. GROSS: The contractual rate of interest payable before the deduction of income tax at the rate specified by law. Gross is the rate of interest if interest were paid and not compounded each year. Changes in the exchange rate may increase the sterling equivalent of your debt. All rates are quoted per annum and are variable, unless otherwise indicated. Registered office 8 Canada Square, London, E14 5HQ. HSBC Bank International Ltd - Guernsey an international bank or building society offering offshore banking services eg offshore savings accounts for expats & seniors who want highest interest rates paid tax free. The interest is paid directly into your HSBC current or savings account - the same one you used to pay in your initial deposit. Set up savings for a child. From outside the UK, Channel Islands or Isle of Man, call +44 1470 697139. Money is deposited for a fixed term. Five Oaks and St Brelade branches are closed temporarily. Once your account is open, you can manage it in branch and online. When compared to a typical Standard Variable Rate of 3.54% and monthly payments of £1,233.59, you could save up to £270 per month. Earn between 0.25% AER/gross and 0.40% AER/gross, depending on the term you choose. Which rate you can secure depends on a number of details, many of which are personal to you. Find the answers and while you're at it, tell us how we could do better. 2 Effective Annual Rate â This takes account of the interest rate and how often interest is paid and does not include any fee or charges. Download the documents of all the rates, tariff and charges associated with our range of banking products and services. Interest is calculated daily and credited either monthly or annually. The interest rates on Bridging Finance from HSBC vary depending on the amount you borrow, the term of the loan agreement and promotional offers HSBC have from time to time. Gain a unique insight into how expat life differs across the globe. You’ll need to bring identification and proof of your address. Your eligible deposits with HSBC Bank plc are protected up to the limit of your local Compensation Scheme. King Street branch is open Monday to Friday for all non-cash essential services. AER stands for Annual Equivalent Rate. ** Get in touch today. Simply log on, go to Products & Services, select Fixed Rate Saver and then click ‘Reinvest’. How to reinvest in a Fixed Rate Saver Bond. You can manage the account via phone banking or in branch. To open a Regular Saver account, you must have one of these HSBC current accounts: Please note, we only allow one Regular Saver per customer. You can save any amount from £2,000 for a fixed term of 6 months and 1 year. Halkett Street branch is open for cash services only. The bank reported profits of 4.3 billion US dollars (£3.2 billion) in the half year to June 30, down from 12.4 â¦ Compare interest rates for offshore fixed term deposit accounts from major banks in the Channel Islands including Jersey and Guernsey. If you choose annual interest, we'll pay it on the anniversary of your account being opened. If you don't have an HSBC Premier Account, please see below for details about opening one. Before applying, please take the time to read the following documents. AER stands for Annual Equivalent Rate. HSBC UK is further reducing its variable rate mortgages. Save up to £3,000 at a fixed rate of interest for 12 months. Although we cover a range of products that we update periodically, please confirm the precise terms and interest rates of the product with the relevant bank. This shows you what the gross rate would be if interest were paid and compounded each year. As the rate is fixed in advance, you know exactly how much interest you will earn by the end of the term. Once your account is open, you can manage it in branch and online. Rate cuts include lowering its standard variable rates (SVRs) by 0.15% alongside all on-sale and off-sale tracker rates reducing by 0.15%. Borrowers can take out a bridging loan from 1-12 months. If the deposit is £50,000 or over, you can't close your account or withdraw any money until the end of the deposit term. To be eligible for the Online Bonus Saver account you need to be: To open an HSBC Flexible Saver account, you need to be: To open an HSBC Premier Savings account, you just need to be: Depending on amount invested and term chosen. Currently, mortgage interest rates available for a Guernsey mortgage are similar to those in the UK. Simply contact your Premier Relationship Manager or call our contact centre on: You can apply for this account by visiting one of our branches. 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