Buy Shares Online | Online Sharedealing

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aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Select and Cover support"> Select and Cover support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Premier Travel support"> Premier Travel support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/" aria-label="Aspects Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Aspects Insurance support"> Aspects Insurance support </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-4" class="header-mobile-doormat-4 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-health hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Wellbeing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Financial health & support</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-4"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/financial-fitness/" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness" class="doormat-heading-link"> <h2 class="doormat-heading">Financial fitness</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/fitness-score/" aria-label="Financial health tools & webinars" data-event-component="topnav" data-event-name="Financial fitness score tool"> Financial health tools & webinars </a> </li> <li> <a href="/financial-fitness/everyday-budgeting/" aria-label="Everyday budgeting" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness Everyday budgeting"> Everyday budgeting </a> </li> <li> <a href="/financial-fitness/managing-debt/" aria-label="Managing debt" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Managing debt"> Managing debt </a> </li> <li> <a href="/financial-fitness/growing-your-money/" aria-label="Growing your money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Growing your money"> Growing your money </a> </li> <li> <a href="/help/security-centre/" aria-label="Staying safe and secure" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Staying safe and secure"> Staying safe and secure </a> </li> <li> <a href="/financial-education/" aria-label="Learning about money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Learning about money"> Learning about money </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/new-beginnings/" data-event-component="topnav" data-event-name="Wellbeing: New Beginnings" class="doormat-heading-link"> <h2 class="doormat-heading">New beginnings</h2> </a> <ul class="doormat-links"> <li> <a href="/new-beginnings/expanding-your-family/" aria-label="Expanding your family" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Expanding your family"> Expanding your family </a> </li> <li> <a href="/new-beginnings/getting-married/" aria-label="Getting married" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Getting married"> Getting married </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/" aria-label="Planning for retirement" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Planning for retirement"> Planning for retirement </a> </li> <li> <a href="/mortgages/first-time-buyers/" aria-label="Buying your first home" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Buying your first home"> Buying your first home </a> </li> <li> <a href="/international/moving-abroad/" aria-label="Moving abroad" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Moving abroad"> Moving abroad </a> </li> <li> <a href="/students/" aria-label="Going to uni" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Going to uni"> Going to uni </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/life-events/" data-event-component="topnav" data-event-name="Wellbeing: Life events" class="doormat-heading-link"> <h2 class="doormat-heading">Life events</h2> </a> <ul class="doormat-links"> <li> <a href="/help/life-events/bereavement/" aria-label="Bereavement support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Bereavement support"> Bereavement support </a> </li> <li> <a href="/help/life-events/assisting-someone-with-their-money/" aria-label="Assisting someone with their money" data-event-component="topnav" data-event-name="Wellbeing: Life events: Assisting someone with their money"> Assisting someone with their money </a> </li> <li> <a href="/help/life-events/separation/" aria-label="Separation" data-event-component="topnav" data-event-name="Wellbeing: Life events: Separation "> Separation </a> </li> <li> <a href="/help/life-events/unexpected-change/redundancy/" aria-label="Losing your job" data-event-component="topnav" data-event-name="Wellbeing: Life events: Losing your job"> Losing your job </a> </li> <li> <a href="/help/life-events/poa/" aria-label="Power of Attorney" data-event-component="topnav" data-event-name="Wellbeing: Life events: Power of attorney"> Power of Attorney </a> </li> <li> <a href="/accessibility/mental-health-and-support/" aria-label="Mental health and support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Mental health and support"> Mental health and support </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a 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data-event-name="Wellbeing: Money worries: Managing your finances"> Managing your finances </a> </li> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Coronavirus support"> Rising cost of living </a> </li> <li> <a href="/help/card-support/gambling-restrictions/" aria-label="Support for gambling" data-event-component="topnav" data-event-name="Wellbeing: Card support: Support for gambling"> Support for gambling </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-5" class="header-mobile-doormat-5 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-help hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Help</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Service & security</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-5"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/banking-made-easy/" data-event-component="topnav" data-event-name="Help: Managing your account" class="doormat-heading-link"> <h2 class="doormat-heading">Managing your account</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living"> Rising cost of living </a> </li> <li> <a href="/ways-to-bank/" aria-label="Ways to bank" data-event-component="topnav" data-event-name="Help: Managing your account: Ways to bank"> Ways to bank </a> </li> <li> <a href="/help/card-support/" aria-label="Card support" data-event-component="topnav" data-event-name="Help: Managing your account: Card support"> Card support </a> </li> <li> <a href="/help/banking-made-easy/how-to-set-up-a-direct-debit/" aria-label="Set up or cancel a Direct Debit" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a direct debit"> Set up or cancel a Direct Debit </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/" aria-label="Set up or cancel a standing order" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a standing order"> Set up or cancel a standing order </a> </li> <li> <a href="/help/card-support/dispute-transaction/" aria-label="Query a transaction" data-event-component="topnav" data-event-name="Help: Managing your account: Query a transaction"> Query a transaction </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/security-centre/" data-event-component="topnav" data-event-name="Help: Fraud and security" class="doormat-heading-link"> <h2 class="doormat-heading">Fraud and security</h2> </a> <ul class="doormat-links"> <li> <a href="/help/security-centre/fraud-guide/" aria-label="Fraud guide" data-event-component="topnav" data-event-name="Help: Fraud and security: Fraud guide"> Fraud guide </a> </li> <li> <a href="/help/security-centre/received-a-text/" aria-label="Received a text?" data-event-component="topnav" data-event-name="Help: Fraud and security: Received a text"> Received a text? </a> </li> <li> <a href="/help/security-centre/hsbc-safeguard/" aria-label="HSBC Safeguard" data-event-component="topnav" data-event-name="Help: Fraud and security: HSBC Safeguard"> HSBC Safeguard </a> </li> <li> <a href="/help/security-centre/secure-key/" aria-label="Secure Key" data-event-component="topnav" data-event-name="Help: Fraud and security: Secure Key"> Secure Key </a> </li> <li> <a 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banking </a> </li> <li> <a href="/ways-to-bank/mobile/" aria-label="Mobile banking" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile banking"> Mobile banking </a> </li> <li> <a href="/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Help: Digital banking: Online banking"> Online banking </a> </li> <li> <a href="/current-accounts/banking-at-home/" aria-label="Banking at home" data-event-component="topnav" data-event-name="Help: Digital banking: Banking at home"> Banking at home </a> </li> <li> <a href="/ways-to-bank/mobile/cheque-deposit/" aria-label="Mobile cheque deposit" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile cheque deposit"> Mobile cheque deposit </a> </li> <li> <a href="/help/security-centre/lost-your-details/" aria-label="Reset your log on details" data-event-component="topnav" data-event-name="Help: Digital banking: Reset your online banking details"> Reset your log on details </a> </li> <li> <a href="/ways-to-bank/mobile/money-management/" aria-label="Mobile money management" data-event-component="topnav" data-event-name="Help: Digital banking: Plan ahead"> Mobile money management </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a href="/help/" data-event-component="topnav" data-event-name="Help: Help" class="doormat-heading-link"> <h2 class="doormat-heading">Help</h2> </a> <ul class="doormat-links"> <li> <a href="/help/" aria-label="Customer support" data-event-component="topnav" data-event-name="Help: Help: Customer support"> Customer support </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Help: Help: Making payments"> Money worries </a> </li> <li> <a href="/help/feedback-and-complaints/" aria-label="Feedback and complaints" data-event-component="topnav" data-event-name="Help: Help: Feedback and complaints"> Feedback and complaints </a> </li> <li> <a href="/help/digital-banking-help-tool/" aria-label="Digital banking help tool" data-event-component="topnav" data-event-name="Help: Help: Digital banking help tool"> Digital banking help tool </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Bank of England base rate" data-event-component="topnav" data-event-name="Help: Help: Bank of England base rate"> Bank of England base rate </a> </li> <li> <a href="/help/banking-made-easy/making-payments/" aria-label="Making payments" data-event-component="topnav" data-event-name="Help: Help: Making payments"> Making payments </a> </li> <li> <a href="/accessibility/" aria-label="Accessibility and disability" data-event-component="topnav" data-event-name="Help: Help: Accessibility and disability"> Accessibility and disability </a> </li> <li> <a href="/sustainability/" aria-label="Sustainability" data-event-component="topnav" data-event-name="Help: Help: Sustainability"> Sustainability </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> </ul> </nav> </div> </div> </div> <div class="header-mobile"> <div class="header-mobile-top hide-on-desktop"> <button class="header-sidebar-trigger" aria-label="Open menu" data-aria-label-open-menu="Open menu" data-aria-label-close-menu="Close menu"> <span class="icon icon-menu" aria-hidden="true"></span> <span class="header-sidebar-trigger-text">Menu</span> </button> <nav id="sidebar" class="header-mobile-sidebar hide-on-desktop"> <div class="header-mobile-sidebar-content"> <div class="close-submenu-trigger" role="button" tabindex="0" aria-label="Close Submenu"> <span class="icon icon-chevron-left" aria-hidden="true"></span> </div> <ul class="header-mobile-doormat" role="menubar"> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-0" class="header-mobile-doormat-0 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-banking hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Banking</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Accounts & services</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-0"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/current-accounts/" data-event-component="topnav" data-event-name="Banking: Current accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Current accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/premier/" aria-label="Premier Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Premier Account"> Premier Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/bank-account/" aria-label="Bank Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Bank Account"> Bank Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/advance/" aria-label="Advance Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Advance Account"> Advance Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/student/" aria-label="Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Student Account"> Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/international-student/" aria-label="International Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: International student account"> International Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/children/" aria-label="Children's Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Childrens Account"> Children's Account </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/business-accounts" aria-label="Business accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: Business accounts"> Business accounts </a> </li> <li> <a href="/current-accounts/products/jade/private-bank/" aria-label="Private Banking Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Private Banking Account"> Private Banking Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/" aria-label="See all current accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: See all current accounts"> See all current accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/savings/" data-event-component="topnav" data-event-name="Banking: Savings accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Savings accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/savings/products/fixed-rate-isa/" aria-label="Fixed Rate Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings:Fixed Rate Cash ISA"> Fixed Rate Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/online-bonus-saver/" aria-label=" Online Bonus Saver" data-event-component="topnav" data-event-name="Banking: Savings: Online Bonus Saver"> Online Bonus Saver </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/regular-saver/" aria-label="Regular Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Regular Savings Account"> Regular Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/cash-isa/" aria-label="Loyalty Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings: Loyalty Cash ISA"> Loyalty Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/fixed-rate/" aria-label="Fixed Rate Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Fixed Rate Savings Account"> Fixed Rate Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/mysavings/" aria-label="Children’s Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Children’s Savings Account"> Children’s Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/easy-access-accounts/" aria-label="Easy access savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: easy access savings accounts"> Easy access savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/compare/" aria-label="Compare savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: Compare savings accounts"> Compare savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/" aria-label="See all savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: See all savings accounts"> See all savings accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/international/" data-event-component="topnav" data-event-name="Banking: International services" class="doormat-heading-link"> <h2 class="doormat-heading">International services</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/global-money/" aria-label="Global Money Account" data-event-component="topnav" data-event-name="Global Money Account"> Global Money Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/using-your-card-abroad/" aria-label="Using your card outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: Using your card outside the UK"> Using your card outside the UK </a> </li> <li> <a href="https://www.hsbc.co.uk/international/travel-money/" aria-label="Travel Money" data-event-component="topnav" data-event-name="Banking: International Services: Travel Money"> Travel Money </a> </li> <li> <a href="https://www.hsbc.co.uk/international/money-transfer/" aria-label="International payments" data-event-component="topnav" data-event-name="Banking: International Services: International payments"> International payments </a> </li> <li> <a href="https://www.hsbc.co.uk/international/currency-account/" aria-label="Currency Account" data-event-component="topnav" data-event-name="Banking: International Services: Currency Account"> Currency Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/overseas-account-opening/" aria-label="Opening an account outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: International Bank Account"> Opening an account outside the UK </a> </li> <li> <a href="/international/apply-for-a-uk-account/" aria-label="Open a UK account" data-event-component="topnav" data-event-name="Banking: International Services: Open a UK account"> Open a UK account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/" aria-label="See all international services" data-event-component="topnav" data-event-name="Banking: International Services: See all international services"> See all international services </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already banking with us?</h2> <ul class="doormat-links"> <li> <a href="/current-accounts/existing-customers/" aria-label="Existing customers" data-event-component="topnav" data-event-name="Banking: Already banking with us: Existing customers"> Existing customers </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Money worries </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/" aria-label="Manage your account" data-event-component="topnav" data-event-name="Banking: Already banking with us: Manage your account"> Manage your account </a> </li> <li> <a href="https://www.hsbc.co.uk/ways-to-bank/mobile/" aria-label="Mobile banking " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Mobile banking </a> </li> <li> <a href="https://www.hsbc.co.uk/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Banking: Already banking with us: Online banking"> Online banking </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/overdrafts/" aria-label="Overdrafts" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdrafts "> Overdrafts </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/overdraft-calculator/" aria-label="Overdraft calculator" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdraft calculator"> Overdraft calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-1" class="header-mobile-doormat-1 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-borrowing hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Borrowing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Select and Cover support"> Select and Cover support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" 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itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">HSBC UK</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="1"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_4" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/investments/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">Investing</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="2"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_5" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/investments/products/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">Investment products</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="3"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <span class="A-TYP16B-RW-ALL" aria-current="page" aria-label="Online sharedealing account"> <span itemprop="name">Online sharedealing account</span> </span> <meta itemprop="position" content="4"/> </li> </ol> </nav> </div> </div> <div class="lg-3 md-2 sm-12"> </div> </div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="buy-and-sell-shares-online"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_1"> Buy and sell shares online </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_1" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>Open one of our InvestDirect share dealing accounts if you'd like to be hands-on and make your own investment decisions.</p> <p>You'll be able to trade in UK and US equities, UK government bonds, investment trusts and a range of UK-listed exchange-traded funds.</p> <p>Explore market research with our interactive tool, set up share price alerts and even test your trading strategy with a virtual portfolio – so, you can make smarter investment choices.</p> <p>Share dealing carries more risk than investing in a fund. To spread the risk you could diversify your portfolio across shares and other investment types, such as funds. Not sure if share dealing is for you? Our ready-made portfolios could be an easier way to start if you're <a href="https://www.hsbc.co.uk/investments/new-to-investing/" target="_blank" rel="noopener noreferrer">new to investing</a>.</p> <p>Before you invest, be sure to have some money saved for emergencies – ideally 3-6 months of living expenses. That way you won't need to sell your investment to cover any unexpected costs. Remember, the value of investments go up and down, so you may not get back what you invest.</p> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="why-open-an-investdirect-share-dealing-account"></div> <h2 class="heading A-TYP28L-RW-ALL " id="pp_tools_heading_2"> Why open an InvestDirect share dealing account? </h2> </div> </div> <div id="pp_tools_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_3"> <div class="cc cc-columns-25-25-25-25 "> <div id="pp_tools_columnControlColumn_5" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_1" class="crh-smart-image crh-smart-image--landscape "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_2"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/graph-detail.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/graph-detail.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/graph-detail.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_3" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/graph-detail.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-do-your-own-investment-research-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_3"> Do your own investment research </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_2" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Use an interactive tool to better understand market research, and even set up share price alerts. </p> </div></div> </div> <div id="pp_tools_columnControlColumn_6" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_4" class="crh-smart-image crh-smart-image--landscape "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_5"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/strategy.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/strategy.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/strategy.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_6" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/strategy.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-test-your-trading-strategy-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_4"> Test your trading strategy </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_3" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Create a virtual portfolio to test your strategy and see how you could aim to grow your money. </p> </div></div> </div> <div id="pp_tools_columnControlColumn_7" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_7" class="crh-smart-image crh-smart-image--landscape "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_8"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_9" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-easy-access-to-your-money-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_5"> Easy access to your money </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_4" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You should aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will usually be in your account within 4 business days. </p> </div></div> </div> <div id="pp_tools_columnControlColumn_8" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_10" class="crh-smart-image crh-smart-image--landscape "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_11"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/choice-2.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/choice-2.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/choice-2.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_12" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/choice-2.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-choose-from-two-investdirect-accounts-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_6"> Choose from 2 InvestDirect accounts </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_5" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">We've got a choice of accounts, so you can open the one that best matches what you're looking to trade. </p> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="choose-your-account"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_7"> Choose your account </h2> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM M-BSCTBL-RW-RBWM"><div data-accessibility-tick-icon-text="Yes" data-accessibility-cross-icon-text="No" id="pp_tools_basicTable_1" class="table-wrapper flexible-columns "> <table class="desktop"> <caption> </caption> <thead><tr> <th>What you can do</th> <th>InvestDirect</th> <th>Invest Direct Plus</th> </tr></thead> <tbody><tr> <td>Trade in UK equities, investment trusts, gilts (UK government bonds) and a range of UK-listed exchange-traded funds (ETFs)</td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></span></td> </tr> <tr> <td>Trade in US equities listed on the New York Stock Exchange and NASDAQ</td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>No trading limit</td> <td><span class="icon-wrap">Trade up to the value of £20,000</span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>Discount for trading frequently </td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <td>Use your HSBC current account to pay for shares and receive money from any sales</td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <td>Use a separate investment account to pay for shares and receive money from any sales</td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <td>Option to open additional investment accounts for buying and selling shares in euros and dollars</td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span> </td> </tr></tbody> </table> </div> <table class="non-desktop "> <caption> </caption> <tbody> <tr> <th scope="row">What you can do</th> <td> Trade in UK equities, investment trusts, gilts (UK government bonds) and a range of UK-listed exchange-traded funds (ETFs) </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">What you can do</th> <td> Trade in US equities listed on the New York Stock Exchange and NASDAQ </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">What you can do</th> <td> No trading limit </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap">Trade up to the value of £20,000</span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">What you can do</th> <td> Discount for trading frequently  </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>  </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">What you can do</th> <td> Use your HSBC current account to pay for shares and receive money from any sales </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span>  </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">What you can do</th> <td> Use a separate investment account to pay for shares and receive money from any sales </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>  </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">What you can do</th> <td> Option to open additional investment accounts for buying and selling shares in euros and dollars </td> </tr> <tr> <th scope="row">InvestDirect</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"></span></span> </span> </td> </tr> <tr> <th scope="row">Invest Direct Plus</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>  </td> </tr> </tbody> </table> </div> </div> <div id="pp_tools_columnControlColumn_10" class="cc-column"> </div> </div> </div> </div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="who-can-apply"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_1"> Who can apply? </h2> </div> </div> <div id="pp_main_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_1" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>You can open an InvestDirect share dealing account if:</p> <div class="commonMark-list"> <ul> <li>you have an HSBC <a href="/current-accounts/" target="_blank" rel="noopener noreferrer">current account</a> (excluding the HSBC Basic Bank Account)</li> <li>you're registered for online banking</li> <li>you're a UK resident</li> <li>you're at least 18 years old</li> </ul> </div> </p> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_main_accordion_1" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_1" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="37243852__panel0" role="button" tabindex="0"> <h3 id="37243852__tab0" class="dropdown-text ">Useful documents </h3> <span class="chevron"></span> </div> <section id="37243852__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_3"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_4" class="cc-column"> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="pp_main_links_1" class="links-list"> <li> <div id="pp_main_link_1" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivd-terms-DCP110.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">HSBC InvestDirect Terms & Conditions (PDF, 428.8kB)</span> <span class="visuallyhidden">HSBC InvestDirect Terms & Conditions (PDF, 428.8kB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_2" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivp-terms-DCP111.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">HSBC InvestDirect Plus Terms & Conditions (PDF, 330KB)</span> <span class="visuallyhidden">HSBC InvestDirect Plus Terms & Conditions (PDF, 330KB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_3" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivd-ivp-kfd-DCP159.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Key features of HSBC InvestDirect and HSBC InvestDirect Plus (PDF, 217.9kB)</span> <span class="visuallyhidden">Key features of HSBC InvestDirect and HSBC InvestDirect Plus (PDF, 217.9kB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_4" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivd-rates-and-fees-DCP113.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Rates and fees for HSBC InvestDirect and HSBC InvestDirect Plus (PDF, 137.4kB)</span> <span class="visuallyhidden">Rates and fees for HSBC InvestDirect and HSBC InvestDirect Plus (PDF, 137.4kB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_5" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivd-isa-terms-DCP109.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">HSBC InvestDirect Stocks & Shares ISA Terms and Conditions (PDF, 236KB)</span> <span class="visuallyhidden">HSBC InvestDirect Stocks & Shares ISA Terms and Conditions (PDF, 236KB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_6" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivd-ivdp-isa-kfd-DCP161.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Key features of HSBC InvestDirect Stocks & Shares ISA (PDF, 166KB)</span> <span class="visuallyhidden">Key features of HSBC InvestDirect Stocks & Shares ISA (PDF, 166KB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_7" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/financial-services-compensation-scheme-information-sheet.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Financial services compensation scheme information (PDF, 109KB)</span> <span class="visuallyhidden">Financial services compensation scheme information (PDF, 109KB) Download</span> </a> </div> </li> <li> <div id="pp_main_link_8" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/ivd-ivp-best-ex-DCP114.pdf" download> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Best execution disclosure statement (PDF, 60KB)</span> <span class="visuallyhidden">Best execution disclosure statement (PDF, 60KB) Download</span> </a> </div> </li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="fees"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_2"> Fees </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_2" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">For either an InvestDirect or an InvestDirect Plus account, you'll pay a quarterly account fee of £10.50. This covers the costs of us running your account.</p> <p class="A-PAR16R-RW-ALL">There's also a fixed fee for each trade you make depending on your account:</p> <ul class="A-LSTU-RW-ALL"> <li>InvestDirect: online trading fee for UK shares is £10.50</li> <li>InvestDirect Plus: online trading fee for UK shares is £10.50, or just £7.95 after your 9th trade in a calendar quarter</li> </ul> <p class="A-PAR16R-RW-ALL">Other fees such as UK Stamp Duty Reserve Tax and a PTM Levy may apply. </p> <p class="A-PAR16R-RW-ALL">We don't pay any interest on any cash that is held and isn't invested, as it isn't intended to be kept there for the long-term.</p> </div></div> </div> <div id="pp_main_columnControlColumn_5" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_6" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="apply-for-investdirect"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_3"> Apply for InvestDirect </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="already-an-hsbc-customer"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_main_heading_4"> Already an HSBC customer? </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_3" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Here's how to apply:</p> <ol class="A-LSTO-RW-ALL"> <li>Log on to your online banking</li> <li>Select ‘Products’, then select ‘Apply for share dealing'</li> <li>Choose either an InvestDirect or an InvestDirect Plus account</li> </ol> <p class="A-PAR16R-RW-ALL">Need some help before applying? Speak to a share dealing specialist on chat. </p> <p class="A-PAR16R-RW-ALL">Once you've successfully applied, your account will be ready to use within 3 working days. Then, you can manage your investments online or by phone. </p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="pp_main_buttons_1"> <div class="clearfix horizontal "> <a class="A-BTNP-RW-ALL" href="/online/dashboard/" target="_self" id="pp_main_button_1" data-event-component="button" data-event-name="log on and apply|component:apply for investdirect"> <span>Log on and apply</span> </a> </div> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_4" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">New to HSBC? Discover our <a href="/current-accounts/">current accounts</a></p> <p class="A-PAR16R-RW-ALL">If you already bank with us, but you're not yet registered for online banking <u><a href="/register/">Register now</a></u></p> </div></div> </div> <div id="pp_main_columnControlColumn_7" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_5"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_8" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_main_accordion_2" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_2" class="sm-12 clear-float"> <div class="anchor" id="anchor"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1779171451__panel0" role="button" tabindex="0"> <h3 id="1779171451__tab0" class="dropdown-text ">Apply by phone </h3> <span class="chevron"></span> </div> <section id="1779171451__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_6"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_5" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">To apply by phone, give our team a call on:</p> <p class="A-PAR22R-RW-ALL"><a href="tel:03456080848"><span class="A-TYP22L-RW-ALL">03456 080848</span></a></p> <p class="A-PAR16R-RW-ALL">If you apply by phone, it could take longer to open your account as we’ll need to send you documents to sign and return by post.</p> <p class="A-PAR16R-RW-ALL">Lines are open from 07:30 to 19:00, Monday to Friday (excluding public holidays). </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_main_columnControlColumn_10" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_7"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_11" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="frequently-asked-questions"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_main_heading_5"> Frequently asked questions </h2> </div> </div> <div id="pp_main_columnControlColumn_12" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_8"> <div class="cc cc-columns-66-33 "> <div id="pp_main_columnControlColumn_13" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_main_accordion_3" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_3" class="sm-12 clear-float"> <div class="anchor" id="additional-requirements-1"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-556331104__panel0" role="button" tabindex="0"> <h3 id="-556331104__tab0" class="dropdown-text ">How do I trade with an InvestDirect stocks & shares ISA? </h3> <span class="chevron"></span> </div> <section id="-556331104__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_9"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_14" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_6" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>Once you’ve opened your InvestDirect account, you can apply for a stocks and shares ISA.</p> <p>Log on to your online banking, select your InvestDirect account, select ‘Product & services’ and then select ‘ISA’.</p> <p>Trading within a stocks and shares ISA is a tax-efficient way to invest, as all income from your shares will be free of UK income and capital gains tax.</p> <p>You can open a stocks & shares ISA if:</p> <div class="commonMark-list"> <ul> <li>You don’t already have an HSBC or first direct stocks & shares ISA for the current tax year (you can still have a cash ISA or another type of ISA)</li> <li>You’ve not exceeded your £20,000 ISA limit for the current tax year</li> </ul> </div> <p>Keep in mind, tax rules can also change and any benefits will depend on your individual circumstances.</p> <p>You'll need to transfer funds to your InvestDirect stocks and shares ISA before you can trade, which you can do via online banking.</p> <p>Proceeds from a sale will remain inside your ISA. You can withdraw money from your ISA at any time – although if you do, you can only replace this within the current tax year by using an additional part of your ISA allowance.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_4" class="sm-12 clear-float"> <div class="anchor" id="q-2"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="2125143220__panel0" role="button" tabindex="0"> <h3 id="2125143220__tab0" class="dropdown-text ">Can I transfer other investments into my InvestDirect account? </h3> <span class="chevron"></span> </div> <section id="2125143220__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_10"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_7" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>Yes, you can transfer existing ISA and non-ISA investments held with other providers into your InvestDirect account.</p> <p>You can also transfer paper share certificates to us. To do so, just download and complete the 'Transfer Request Form', which you can find within the sharedealing section of your online banking.</p> <p>Transferring investments normally takes up to 2 weeks, but it can depend on your current provider. As soon as the process is complete, you’ll be able to sell your shares if you want to.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_5" class="sm-12 clear-float"> <div class="anchor" id="q-2"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-193455072__panel0" role="button" tabindex="0"> <h3 id="-193455072__tab0" class="dropdown-text ">What happens when I sell shares from my InvestDirect or InvestDirect Plus account? </h3> <span class="chevron"></span> </div> <section id="-193455072__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_11"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_16" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_8" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>If you need to, you can sell your shares at any time. There's no fixed-term, so your money's not locked away.</p> <p>Although, most investments should be considered as a medium-to-long-term commitment for 5 years.</p> <p>When you sell your assets, the proceeds will be available on the settlement date, which is determined by the market and type of asset.</p> <p>UK and US equity trades normally settle 2 business days after the date of the trade (T+2) and gilt trades after 1 business day (T+1).</p> <p>If you have an InvestDirect account, the money from a sale will be transferred to your HSBC bank account in the evening of the settlement date.</p> <p>Or, for an InvestDirect Plus account, the money will become available in your cash account in the evening of the settlement date. You can transfer money out of your InvestDirect Plus cash account within the 'Sharedealing' section of your online banking, to an HSBC Current Account.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_6" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-444542323__panel0" role="button" tabindex="0"> <h3 id="-444542323__tab0" class="dropdown-text ">How do I get a certificate of interest? </h3> <span class="chevron"></span> </div> <section id="-444542323__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_12"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_17" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_9" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>A certification of interest - or tax certificate - confirms the total amount of credit interest paid into an account over the tax year.</p> <p>If you need one to complete your tax self-assessment, send us a secure e-message through online banking or by using chat in the mobile banking app.</p> <p>Once we receive your request, we’ll post this to you within 7 working days.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_7" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1123897862__panel0" role="button" tabindex="0"> <h3 id="-1123897862__tab0" class="dropdown-text ">What are exchange traded funds (ETFs)? </h3> <span class="chevron"></span> </div> <section id="-1123897862__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_13"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_18" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_10" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>Exchange-traded funds (ETFs) are investment funds that are traded on a stock exchange, much like equities. ETFs hold assets such as stocks, commodities, bonds or a mix of investments.</p> <p>Most ETFs track an index, such as a stock index or bond index. ETFs experience price changes throughout the day as they’re bought and sold.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_main_advanced_expander_8" class="sm-12 clear-float"> <div class="anchor" id="how-are-isas-changing-in-the-2024-2025-tax-year"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1128871899__panel0" role="button" tabindex="0"> <h3 id="-1128871899__tab0" class="dropdown-text ">How are ISAs changing in the 2024 / 2025 tax year? </h3> <span class="chevron"></span> </div> <section id="-1128871899__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_main_columnControl_14"> <div class="cc cc-columns-100 "> <div id="pp_main_columnControlColumn_19" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_main_richtext_11" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p><strong>Cash ISA age limit</strong></p> <p>From 6 April 2024, there are changes to how old you need to be to open a cash ISA.</p> <p>To open a new cash ISA, you need to be either:</p> <div class="commonMark-list"> <ul> <li>18 years old or over, or</li> <li>Covered by the transitional arrangements for those aged 16 or 17 (as of 5 April 2024), which is in place until 5 April 2026</li> </ul> </div> <p>ISA providers aren't obliged to offer the transitional arrangements. HSBC won't allow customers under 18 to open a new cash ISA from 6 April 2024, but will consider changing this in the future.</p> <p><strong>Subscribing to more than one of the same type of ISA</strong></p> <p>If you're aged 18 or over, you'll now be able to subscribe to more than one of the same type of ISA in the same tax year – subject to staying within the overall annual limit.</p> <p>For example, you could subscribe to a cash or stocks & shares ISA with one ISA provider and also subscribe to one with a different provider.</p> <p>This change doesn’t apply to Lifetime ISAs, where it's still only possible to subscribe to one Lifetime ISA in a tax year. HSBC doesn't offer Lifetime ISAs.</p> <p>From April 6 2024, ISA providers are not obliged to allow subscriptions to more than one ISA of the same type in the same tax year with themselves, and HSBC will not be offering this.</p> <p><strong>Other optional changes that not all providers are implementing</strong></p> <p>If you've gone a whole tax year without making a subscription to an existing ISA, you can now restart subscriptions without needing to complete a new application.</p> <p>Since 6 April, some providers allow you to make a partial transfer of subscriptions made in the current tax year, but HSBC is not currently allowing this.</p> <p>We'll update our website if we make any changes to our ISAs in the future.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_main_columnControlColumn_20" class="cc-column"> </div> </div> </div> </div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_rel_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="pp_rel_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="you-might-also-be-interested-in"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_rel_heading_1"> <table><tbody><tr><td>You might also be interested in</td></tr></tbody></table> </h2> </div> </div> <div id="pp_rel_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV"><div> <div class="O-MASTERTILE-DEV title-hidden"> <div class="row"> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_rel_tile_1" class="A-PNL-RW-ALL"> <a href="/investments/existing-customers/invest-direct/" data-event-component="text link" data-event-name="invest direct|component:lateral links|position:1" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> How to use InvestDirect</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>Your helpful guide to buying and selling shares online with HSBC</p> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_rel_tile_2" class="A-PNL-RW-ALL"> <a href="/wealth/insights/" data-event-component="text link" data-event-name="insights|component:lateral links|position:2" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> Wealth Insights</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>Read the latest market news and exclusive insights. This ranges from our house view, FX trends, global and regional market outlooks to sustainability insights and more.</p> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_rel_tile_3" class="A-PNL-RW-ALL"> <a href="/retirement/" data-event-component="text link" data-event-name="retirement|component:lateral links|position:3" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> Retirement</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>We'll help you on the way to achieving your ideal retirement lifestyle </p> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-3"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_rel_tile_4" class="A-PNL-RW-ALL"> <a href="/investments/what-is-the-ftse-100/" class="A-LNKC28L-RW-ALL" target="_self"> <div class="heading"> <h3 class="link"> What is the FTSE 100?</h3> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </div> </a> <div class="A-PAR16R-RW-ALL rich-text"> <p>Find out what the FTSE 100 index is and explore the different ways you can invest in it. </p> </div> </div> </div> </div> </div> </div> </div></div> <div class="O-SMARTSPCGEN-DEV M-BACKTOTOP-RW-RBWM"><div id="pp_rel_backtotop_1"> <div id="pp_rel_link_1" class="link-container"> <a class="A-LNKAU-RW-ALL" href="#"> <span class="link"> Back to top </span> <span class="icon icon-anchor-up" aria-hidden="true"></span> </a> </div> </div></div> </div> </div> </main> <div class="socialMediaFooter grid "> <div class="row social-row " id="hp_socialmediafooter_1"> <span class="A-DIVHL-RW-ALL"></span> <div class="sm-12 lg-9"> <div id="hp_link_3" class="link-container"> <a class="A-LNKC22L-RW-ALL" href="/help/" rel="nofollow" data-event-component="text link" data-event-name="Customer support"> <h2 class="link link-header"> Customer support </h2> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <div class="A-PAR16R-RW-ALL">It's easy to answer your query online. 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