HSBC UK Fixed Rate Saver — 4.40% p.a.
United Kingdom · GBP · tenor 2 years · as of August 2026
HSBC UK two-year Fixed Rate Saver at 4.40% AER — official rate from £2,000, as of 13 August 2026.
- Rate p.a.
- 4.40%
- Product
- Fixed Rate Saver
- Tenor
- 2 years
- Minimum deposit
- £2,000
- Maximum deposit
- £1,000,000
- Interest paid
- Monthly or annually (AER/Gross 4.40%)
- Deposit protection
- FSCS (United Kingdom), up to £120,000 per customer
- Currency
- GBP
HSBC UK lists 3.80% AER for one year and 4.40% AER for two years on the Fixed Rate Saver page (as of 13 August 2026). Deposit £2,000 to £1,000,000, one payment per contract.
Open via app, online banking or branch. Early closure is possible but costs interest (up to 90 days). We clarify settlement on a call.
The deposit can be booked in euro or Swiss francs — with no GBP FX risk. Cover via FSCS up to £120,000.
Terms
- Tenor: 2 years
- Minimum: £2,000, maximum £1,000,000
- Same bank, 12-month rate: 3.80% AER
- Source: HSBC UK Fixed Rate Saver, as of 13 August 2026
Official bank page: HSBC UK
Who it suits
Investors with at least a £2,000 equivalent and a two-year horizon — including those resident in Switzerland.
Risks and notes
- Early withdrawal with an interest deduction.
- Terms and settlement are clarified on a call.
- Rates can change before you apply.
Rates are indicative. The deposit sits with the bank — details in the terms. Terms