Global Investment Centre | GIC ISA

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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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class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h2 class="heading A-TYP28L-RW-ALL " id="content_main_heading_1"> Find out how to use our online fund platform – the Global Investment Centre (GIC). </h2> </div> </div> <div id="content_main_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV in-page-promo"> <div id="content_main_inPage_promo_1" class="in-page-promo--charcoal img-small img-left clearfix"> <div class="in-page-promo__image-container "> <div class="image"><div class="img-container"> <div class="M-IMG-RW-DEV"> <div id="content_main_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="content_main_image_2"> <source 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</picture> </figure> </div> </div> </div></div> </div> <div class="in-page-promo__text-container"> <div class="in-page-promo__wrapper m-xsm-12 m-mdsm-10 m-md-8"> <div class="in-page-promo__title "> <h3 class="A-TYPS3L-RW-DEV text-container text "> Track your investments on the go </h3> <div class="in-page-promo__subtitle"> <div class="A-TYPS5R-RW-DEV text-container text "> <p>You can now track the performance of your investments straight through the app. Just select your 'GIC investment account' to see what's new.</p> <p>Don't yet have the app? Download it now.</p> </div> </div> </div> <div class="action-buttons"> <div class="secondary-button"> <div> <a class="A-BTNSS-RW-ALL" href="/ways-to-bank/mobile/#download-the-app" target="_self" id="content_main_button_1" data-event-component="button" data-event-name="button:download the app|component:midshelf|position:1"> <span>Download the app</span> </a> </div> </div> </div> <div class="in-page-promo__small"> <div class="A-TYPS7R-RW-DEV text-container text "> <table> <tbody><tr><td>Device restrictions, eligibility and fees apply.</td> </tr></tbody></table> </div> </div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_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"> </div></div> </div> <div id="content_main_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_3"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_5" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="content_main_heading_2"> Using our Global Investment Centre on mobile </h3> </div> </div> <div id="content_main_columnControlColumn_6" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_7" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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">Go straight to:</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_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"> <ul class="A-LSTU-RW-ALL"> <li><a href="#apps-vs-online">What you can manage with the app vs online banking</a></li> <li><a href="#gic-access">How to access your GIC account on your mobile</a></li> <li><a href="#gia-or-isa-app">How to open a new GIA or ISA through the app</a></li> </ul> </div></div> </div> <div id="content_main_columnControlColumn_8" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_5"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="content_main_heading_3"> Using our Global Investment Centre with online banking </h3> </div> </div> <div id="content_main_columnControlColumn_10" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_6"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_11" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_4" 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">Go straight to:</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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"> <ul class="A-LSTU-RW-ALL"> <li><a href="#online-banking-access">How to access your GIC account with online banking</a></li> <li><a href="#research-funds">How to research funds</a></li> <li><a href="#buy-funds">How to buy a fund</a></li> <li><a href="#regular-saving-plan">How to set up a regular savings plan</a></li> <li><a href="#modify-or-cancel-a-regular-savings-plan">How to change or cancel a regular savings plan</a></li> <li><a href="#switch-funds">How to switch funds</a></li> <li><a href="#sell-funds">How to sell funds</a></li> <li><a href="#howtocheckyouraccountfees">How to check your account fees</a></li> <li><a href="#univested-cash-account">How to use your uninvested cash account</a></li> <li><a href="#gia-or-isa-online">How to open a new GIA or ISA with online banking</a></li> <li><a href="#reactivate-isa">How to reactivate an ISA</a></li> <li><a href="#transfer-isa">How to transfer an ISA to your account</a></li> <li><a href="#move-funds-from-your-gia-to-your-isa">How to move funds from your GIA to your ISA</a></li> </ul> </div></div> </div> <div id="content_main_columnControlColumn_12" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_7"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="other-questions"></div> <h4 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_4"> Other questions </h4> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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"> <ul class="A-LSTU-RW-ALL"> <li><u><a href="/investments/existing-customers/global-investment-centre/#questions">Any other questions?</a></u></li> </ul> <p class="A-PAR16R-RW-ALL">Remember, when you manage your investments online, you’ll be making your own decisions without advice. <u><a href="/investments/advice/">Find out more about our investment advice</a></u>.</p> </div></div> </div> <div id="content_main_columnControlColumn_14" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_8"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="content_main_heading_5"> How to use our Global Investment Centre on mobile </h3> </div> </div> <div id="content_main_columnControlColumn_16" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_9"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_17" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="apps-vs-online"></div> <h4 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_6"> What you can manage with the app vs online banking </h4> </div> </div> <div id="content_main_columnControlColumn_18" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_10"> <div class="cc cc-columns-66-33 "> <div id="content_main_columnControlColumn_19" class="cc-column"> <div class="O-TITLE-RW-DEV O-SMARTSPCGEN-DEV"><div id="content_main_title_1"> <div class="anchor" id="apps-vs-online"></div> <h3 class="A-BBST28R-RW-ALL"> </h3> <div class="row"> <div class="sm-12 organismsContainer"> <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="content_main_basicTable_1" class="table-wrapper "> <table class="desktop"> <caption> <div class="A-PAR16R-RW-ALL text-container text "> For anything that you can't do in the app at the moment, you'll need to log on to your online banking. </div> </caption> <thead><tr> <th style="text-align: left;" scope="col">What would you like to do?</th> <th style="text-align: left;" scope="col">Mobile app</th> <th style="text-align: left;" scope="col">Online banking</th> </tr></thead> <tbody><tr> <td>Invest in a fund</td> <td>Yes, but only for HSBC Global Strategy Portfolios.</td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>Create an investment goal</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>Track your investments</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-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>Set up regular payments</td> <td>Yes, but only for HSBC Global Strategy Portfolios.</td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>Manage regular payments</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-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>Switch funds</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>Sell funds</td> <td>Yes, but only for HSBC Global Strategy Portfolios, HSBC Global Strategy Sustainable Portfolios, and HSBC Sustainable Multi-Asset Portfolios.</td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <td>Transfer an ISA</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>Reactivate an ISA</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> <div class="A-PAR16R-RW-ALL text-container text "> For anything that you can't do in the app at the moment, you'll need to log on to your online banking. </div> </caption> <tbody> <tr> <th scope="row">What would you like to do?</th> <td> Invest in a fund </td> </tr> <tr> <th scope="row">Mobile app</th> <td> Yes, but only for HSBC Global Strategy Portfolios. </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Create an investment goal </td> </tr> <tr> <th scope="row">Mobile app</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Track your investments </td> </tr> <tr> <th scope="row">Mobile app</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Set up regular payments </td> </tr> <tr> <th scope="row">Mobile app</th> <td> Yes, but only for HSBC Global Strategy Portfolios. </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Manage regular payments </td> </tr> <tr> <th scope="row">Mobile app</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Switch funds </td> </tr> <tr> <th scope="row">Mobile app</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Sell funds </td> </tr> <tr> <th scope="row">Mobile app</th> <td> Yes, but only for HSBC Global Strategy Portfolios, HSBC Global Strategy Sustainable Portfolios, and HSBC Sustainable Multi-Asset Portfolios. </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Transfer an ISA </td> </tr> <tr> <th scope="row">Mobile app</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Online banking</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 would you like to do?</th> <td> Reactivate an ISA </td> </tr> <tr> <th scope="row">Mobile app</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Online banking</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> </tbody> </table> </div> </div> </div> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="gic-access"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_7"> How to access your GIC account on your mobile </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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"> <ol class="A-LSTO-RW-ALL"> <li>Log on to your HSBC UK Mobile Banking app as normal</li> <li>Select your 'GIC Investment account' from your list of accounts on your home screen</li> <li>Once selected, you can track the performance of your investments straight through the app</li> </ol> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="gia-or-isa-app"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_8"> How to open a new GIA or ISA through the app </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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">If you already have a General Investment Account (GIA) and want to open an ISA, or you have an ISA and want to open a GIA, here's how to do so through the app:</p> <ol class="A-LSTO-RW-ALL"> <li>Log on to your HSBC UK Mobile Banking app as normal</li> <li>Select your 'GIC Investment account' from your list of accounts</li> <li>From 'Your investment dashboard', scroll down to select 'Invest in more funds'</li> <li>You can then choose a portfolio and we'll ask you whether you'd like to invest in your existing account or open a new GIA or ISA.</li> </ol> <p class="A-PAR16R-RW-ALL"><u><a href="#gia-or-isa-online">Find out how to open a new GIA or ISA with online banking</a></u></p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP28L-RW-ALL " id="content_main_heading_9"> How to use our Global Investment Centre with online banking </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="online-banking-access"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_10"> How to access your GIC account with online banking </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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"> <ol class="A-LSTO-RW-ALL"> <li>Log on to your online banking as normal</li> <li>Find 'GIC Investments' in your list of accounts</li> <li>Select 'Investment dashboard' to access your full account</li> </ol> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="research-funds"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_11"> How to research funds </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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">Once you've logged on to the GIC, you can start researching our full range of funds. To do this:</p> <ul class="A-LSTU-RW-ALL"> <li>Select 'Investing’ > 'Discover funds’</li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_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">To find a specific fund you can either:</p> <ul class="A-LSTU-RW-ALL"> <li>Type in a keyword, the fund name or the Stock Exchange Daily Official List code (SEDOL) in the quick search box, or</li> <li>Pick an option to refine your search</li> </ul> <p class="A-PAR16R-RW-ALL">You can also search and compare the information and performance of up to 5 funds.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="buy-funds"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_12"> How to buy a fund </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_12" 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">When you’re ready to invest, whether that's for the first time or to top-up an existing investment fund, here’s how:</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_13" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <h4><strong>1. Decide if you'd like to invest a new fund, or top-up an existing fund</strong></h4> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="content_main_accordion_1" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_1" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1717322008__panel0" role="button" tabindex="0"> <h5 id="-1717322008__tab0" class="dropdown-text ">Invest in a new fund </h5> <span class="chevron"></span> </div> <section id="-1717322008__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_11"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_20" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_14" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <ul class="A-LSTU-RW-ALL"> <li>Select 'Investing' > 'Discover Funds'</li> <li>Then, search to find the fund you’re interested in, select it and you’ll be taken to the 'Fund details'</li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_2" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1888634411__panel0" role="button" tabindex="0"> <h5 id="-1888634411__tab0" class="dropdown-text ">Top-up an existing fund </h5> <span class="chevron"></span> </div> <section id="-1888634411__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_12"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_21" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_15" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <ul class="A-LSTU-RW-ALL"> <li>Select 'Account summary' > 'Your holdings'</li> <li>Find the fund you want to invest in</li> <li>Select 'Trade' and this will take you to the 'Fund details'</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 rich-text"><div id="content_main_richtext_16" 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"> <h4><b>2. Review fund details</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_17" 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 can review the fund details and find all the documents you might want to read before buying the fund.<br> </p> <p class="A-PAR16R-RW-ALL">When you're ready, select 'Buy' and you'll continue to 'Buy order details'.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_18" 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"> <h4><b>3. Place a fund order</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_19" 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 buy a fund, you'll need to enter your:<br> </p> <ul class="A-LSTU-RW-ALL"> <li><strong>Order instruction</strong> – this will be selected as 'Buy'</li> <li><strong>Chosen investment account</strong> – this is usually either your 'Stocks & shares ISA' or your 'General Investment Account'</li> <li><strong>Payment account </strong>– select which HSBC current or savings account you’d like to make the payment from. Or, if you have money available in your <a href="/investments/existing-customers/global-investment-centre/#univested-cash-account">uninvested cash account</a>, you can select this instead</li> <li><strong>Amount </strong>– enter how much you’d like to invest and select ’Preview order'</li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_20" 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"> <h4><strong>4. Review</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_21" 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">Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agree to the terms.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_22" 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"> <h4><strong>5. Confirmation</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_23" 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’ll see a confirmation that we’ve received your buy instruction. If you’re paying for your funds from an HSBC bank account, we’ll move the amount you’re investing into your uninvested cash account while we process the purchase. </p> <p class="A-PAR16R-RW-ALL">To track your order:</p> <ul class="A-LSTU-RW-ALL"> <li>Select ‘Investments transactions’ </li> <li>Then 'Order status'</li> </ul> <p class="A-PAR16R-RW-ALL">Within 1 business day of purchasing your funds, we’ll send you a contract note. You'll receive this either via the 'My documents' section on your online banking or by post. And within 4 business days, we’ll collect the money from your cash account to complete your purchase.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_24" 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"> <h4><strong>6</strong>.<strong> After your purchase is complete</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_25" 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">After your purchase is fully complete, your shares will be shown on the 'Your holdings' page under 'Account summary'. This will be regularly updated with recent fund valuations, so you can track the performance of your shares.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="regular-saving-plan"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_13"> How to set up a regular savings plan </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_26" 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 can set up automatic investments instead of logging on each month to make a trade. Follow the steps in <u><a href="/investments/existing-customers/global-investment-centre/#buy-funds">How to buy a fund</a></u> to choose if you'd like to set up automatic investments for a new or existing fund.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_27" 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"> <h4><b>1. Review fund details</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_28" 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">Once you've chosen a fund that you'd like to set up automatic investments for, review the fund details and find all the documents you might want to read before buying the fund. </p> <p class="A-PAR16R-RW-ALL">When you’re ready, select 'Regular savings plan' at the top of the page.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_29" 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"> <h4><b>2. Place a regular savings plan order</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_30" 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'll need to enter your:</p> <ul class="A-LSTU-RW-ALL"> <li>Regular savings plan name – enter a name that you’ll recognise for example, it could be linked to your investing goal, such as, retirement fund</li> <li>Chosen investment account – this is usually either your 'Stocks & shares ISA' or your 'General Investment Account'. To set up a regular savings plan into an ISA Account, your ISA must be active. <u><a href="/investments/existing-customers/global-investment-centre/#reactivate-isa">Find out how to reactivate your ISA</a></u></li> <li>Payment account – select which HSBC current or savings account you’d like to make the payment from</li> <li>Regular savings amount – enter how much you'd like to invest each month</li> <li>Regular savings date – select the date you’d like the payment to be taken from your account</li> <li>Start month – select the month you want us to collect your first payment and then select ‘Preview order’</li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_31" 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"> <h4><strong>3. Review</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_32" 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">Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_33" 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"> <h4><strong>4. Confirmation</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_34" 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’ll send you confirmation of your regular savings plan. You'll receive this either via the ‘My documents’ section on your online banking or by post.</p> <p class="A-PAR16R-RW-ALL">Each regular savings plan payment invested will appear in your Global Investment Centre statements. You’ll also be able to see the transactions via the ‘Investments transactions’ tab in your online Global Investment Centre.</p> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="content_main_accordion_2" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_3" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-932011737__panel0" role="button" tabindex="0"> <h5 id="-932011737__tab0" class="dropdown-text ">What happens if we can't collect the payment? </h5> <span class="chevron"></span> </div> <section id="-932011737__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_13"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_22" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_35" 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">If you don’t have enough money in your payment account or not enough ISA allowance remaining and we can’t collect a payment, your regular savings plan will be cancelled. We’ll let you know either via the 'My documents' section on your online banking or by post.</p> </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="modify-or-cancel-a-regular-savings-plan"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_14"> How to change or cancel a regular savings plan </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_36" 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 can change the amount you invest, the collection date or the account the payment is taken from for your regular savings plan.</p> <p class="A-PAR16R-RW-ALL">To do this:</p> <ol class="A-LSTO-RW-ALL"> <li>Log on to the GIC</li> <li>Select ‘Manage regular savings plan' in the ‘Quick Links’ </li> <li>Select the plan name you'd like to change or cancel - if you can change or cancel the plan yourself, you’ll see ‘Modify’ and ‘Cancel’ buttons </li> <li>Once you've followed the steps, you’ll see a confirmation page. We’ll also send you a confirmation either via the ‘My documents’ section on your online banking or by post.</li> </ol> <p class="A-PAR16R-RW-ALL">If you don't have the option to 'Modify' or 'Cancel' your regular savings plan, this may be because your plan was set up when you received financial advice from us, or it's associated with a fund that's been discontinued. If this is the case, give us a call and we can help you over the phone instead.</p> </div></div> <div class="O-SMARTSPCGEN-DEV M-BACKTOTOP-RW-RBWM"><div id="content_main_backtotop_1"> <div id="content_main_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 class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="switch-funds"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_15"> How to switch funds </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_37" 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 can switch from one fund to another if you want to change the balance of your investments. This guide is how to switch funds you’ve chosen yourself. If you want to switch funds you’ve bought through an adviser, call us and we’ll do this for you over the phone.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_38" 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"> <h4><b>1. Find the fund</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_39" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <ul class="A-LSTU-RW-ALL"> <li>Select ‘Account summary’ > ‘Your holdings’</li> <li>Find the fund you want to switch from and choose ‘Trade’</li> </ul> <p class="A-PAR16R-RW-ALL">This will take you to the 'Fund details'.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_40" 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"> <h4><b>2. Place an order</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_41" 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">Select ‘Switch’ and enter your:</p> <ul class="A-LSTU-RW-ALL"> <li>Order instruction – this will be selected as 'Switch’</li> <li>Investment account – choose your 'Stocks & shares ISA' or your 'General Investment Account'</li> <li>Amount to switch – select whether you want to ‘Switch all’ or ‘Switch part’ of it. If you'd like to switch part of it, enter how much you’d like to switch, which can be either a GBP amount or an amount of shares. Then, select ‘Continue’.</li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_42" 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"> <h4><strong>3. Select a fund to switch to</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_43" 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">Either enter the fund code or name in the quick search box, or choose ‘See all available funds’. Then, choose ‘Preview order’.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_44" 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"> <h4><strong>4. Review</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_45" 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">Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_46" 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"> <h4><strong>5. Confirmation</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_47" 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’ll see a confirmation that we’ve received your instruction. </p> <p class="A-PAR16R-RW-ALL">Switching trades normally take longer than a 'Buy trade' because we need to sell shares from the existing fund before we can purchase shares from the new fund.</p> <p class="A-PAR16R-RW-ALL">Within 1 business day of switching your funds, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post.</p> <p class="A-PAR16R-RW-ALL">To track your switch order, select ‘Investments transactions’ > ‘Order status’.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="sell-funds"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_16"> How to sell funds </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_48" 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">Part of managing your own investments is deciding which funds you want to sell and when, so we'll explain how to sell them.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_49" 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"> <h4><strong>1. Find the fund you want to sell</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_50" 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">Select ‘Account summary’ and select ‘Your holdings’. Find the fund you want to sell and click ‘Trade’. This will take you to the 'Funds details' page.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_51" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <h4><strong>2. Place an order</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_52" 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">Select ‘Sell’ from the top of the page and then enter your:</p> <ul class="A-LSTU-RW-ALL"> <li>Order instruction – this will be selected as ‘Sell’</li> <li>Investment account – choose your 'Stocks & shares ISA' or your 'General Investment Account'</li> <li>Amount to sell – select whether you want to ‘Sell all’ of your current fund or ‘Sell part’ of it. If you'd like to sell a partial amount, enter how much you’d like to sell, which can be either a GBP amount or an amount of shares. Then, select ‘Continue’.</li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_53" 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"> <h4><strong>3. Review</strong></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_54" 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">Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_55" 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"> <h4><b>4. Confirmation</b></h4> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_56" 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’ll see a confirmation that we’ve received your instruction. </p> <p class="A-PAR16R-RW-ALL">Within one business day of selling your funds, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post. The proceeds of the sale will be paid to your <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/#univested-cash-account">uninvested cash account</a> within 4 business days of us receiving your sell order.</p> <p class="A-PAR16R-RW-ALL">To track your sell order, choose the ‘Investments transactions’ tab, then ‘Order status’.</p> <p class="A-PAR16R-RW-ALL">When you sell fund shares from an ISA Account, the cash you receive in your ISA’s cash account stays within your ISA. This means it retains its tax-efficient status so you can re-invest it into another fund or funds whenever you’re ready.</p> <p class="A-PAR16R-RW-ALL">Remember, if you transfer money out of your ISA into a current or savings account, it will lose its tax-efficient status.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="howtocheckyouraccountfees"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_17"> How to check your account fees </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_57" 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 view your pending and previous quarterly account fees select:</p> <p class="A-PAR16R-RW-ALL">‘Investing’ > ‘Account Fee’</p> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="content_main_accordion_3" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_4" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="339449906__panel0" role="button" tabindex="0"> <h4 id="339449906__tab0" class="dropdown-text ">What is your account fee? </h4> <span class="chevron"></span> </div> <section id="339449906__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_14"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_23" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_58" 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">Your account fee is 0.25% per annum and it's payable quarterly in arrears. It’s calculated using the average daily value of fund shares held within your General Investment Account and/or ISA Account.</p> <p class="A-PAR16R-RW-ALL">For more on how the account fee is calculated and collected, go to the ‘Account Fee’ page within the Global Investment Centre, then go to 'Help'.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_5" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1625598239__panel0" role="button" tabindex="0"> <h4 id="1625598239__tab0" class="dropdown-text ">Where is your account fee taken from? </h4> <span class="chevron"></span> </div> <section id="1625598239__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_15"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_24" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_59" 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’ll collect your account fee from your nominated HSBC UK account. If we’re unable to collect the account fee from your nominated account, we’ll collect it from your Uninvested Cash Account or when you sell your fund shares. </p> <p class="A-PAR16R-RW-ALL">Want to change the account that your account fee is collected from or have another question?</p> <p class="A-PAR16R-RW-ALL">Give us a call on:</p> <p class="A-PAR16R-RW-ALL"><a href="tel:03456076180">03456 076 180</a></p> <p class="A-PAR16R-RW-ALL">Lines are open from 08:00 to 18:00 Monday to Friday, excluding public holidays.</p> </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="univested-cash-account"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_18"> How to use your uninvested cash account </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_60" 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">Your uninvested cash account is linked to your General Investment Account (GIA) or ISA. It's an integral part of the account, so you can’t close it without also closing your GIA and/or ISA.</p> <p class="A-PAR16R-RW-ALL">If you have both a GIA and ISA, you’ll have 2 uninvested cash accounts – one for each type of account.</p> <p class="A-PAR16R-RW-ALL">Your uninvested cash accounts pay 0% interest, so it's not a good place to hold funds for a long period.</p> <p class="A-PAR16R-RW-ALL">Find out more about how and when you could use your uninvested cash account(s).</p> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="content_main_accordion_4" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_6" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-262891302__panel0" role="button" tabindex="0"> <h4 id="-262891302__tab0" class="dropdown-text ">Paying in cash </h4> <span class="chevron"></span> </div> <section id="-262891302__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_16"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_25" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_61" 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 can move cash into your uninvested cash account and leave it there until you’re ready to invest. If you move money into your ISA uninvested cash account, it counts as an ISA subscription. It will remain here until you <a href="/investments/existing-customers/global-investment-centre/#buy-funds"><u>place a buy order</u></a> to invest.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_7" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1625719239__panel0" role="button" tabindex="0"> <h4 id="1625719239__tab0" class="dropdown-text ">Buying funds </h4> <span class="chevron"></span> </div> <section id="1625719239__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_17"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_26" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_62" 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">When you place a buy order, the cash sits in your uninvested cash account while we process the trade. Find out more about <u><a href="#buy-funds">How to buy a fund</a></u>.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_8" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-1348883090__panel0" role="button" tabindex="0"> <h4 id="-1348883090__tab0" class="dropdown-text ">Selling funds </h4> <span class="chevron"></span> </div> <section id="-1348883090__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_18"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_27" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_63" 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">If you sell funds online, the proceeds of the sale will be paid into your uninvested cash account within 5 business days. The cash will remain here until you decide to either <u><a href="/investments/existing-customers/global-investment-centre/#buy-funds">place a buy order</a></u> to reinvest or make a withdrawal.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_9" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1371450773__panel0" role="button" tabindex="0"> <h4 id="1371450773__tab0" class="dropdown-text ">Transferring cash from ISAs </h4> <span class="chevron"></span> </div> <section id="1371450773__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_19"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_28" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_64" 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">If you transfer cash from another ISA, the money will be paid into your ISA uninvested cash account. It will remain here until you <u><a href="/investments/existing-customers/global-investment-centre/#buy-funds">place a buy order</a></u> to invest.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_10" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1472244102__panel0" role="button" tabindex="0"> <h4 id="1472244102__tab0" class="dropdown-text ">Receiving income from funds </h4> <span class="chevron"></span> </div> <section id="1472244102__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_20"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_29" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_65" 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">If you invest into income share class funds, the dividends or interest the fund pays may be paid to your uninvested cash account.</p> <p class="A-PAR16R-RW-ALL">If you’d like to change how your income is handled, give us a call on:</p> <p class="A-PAR16R-RW-ALL"><a href="tel:03456076180">03456 076 180</a>.</p> <p class="A-PAR16R-RW-ALL">Lines are open from 08:00 to 18:00 Monday to Friday, excluding public holidays.</p> </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="gia-or-isa-online"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_19"> How to open a new GIA or ISA with online banking </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_66" 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">If you already have a General Investment Account (GIA) and want to open an ISA, or you have an ISA and want to open a GIA, here's how to do so with online banking:</p> <ol class="A-LSTO-RW-ALL"> <li>Log on to your online banking as normal</li> <li>Find 'GIC Investments' in your list of accounts</li> <li>Select 'Investment dashboard' to access your full account</li> <li>Select 'Open new account' from the 'Quick links'</li> </ol> <p class="A-PAR16R-RW-ALL"><u><a href="#gia-or-isa-app">Find out how to open a new GIA or ISA through the app</a></u></p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="reactivate-isa"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_20"> How to reactivate an ISA </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_67" 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">An ISA can become inactive due to:</p> <ul class="A-LSTU-RW-ALL"> <li>No subscriptions being made in the previous tax year</li> <li>A declaration to make subscriptions not being completed yet</li> <li>Your country or region of residency changing</li> </ul> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="content_main_accordion_5" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_11" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-274471688__panel0" role="button" tabindex="0"> <h4 id="-274471688__tab0" class="dropdown-text ">Reactivate your ISA online </h4> <span class="chevron"></span> </div> <section id="-274471688__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_21"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_30" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_68" 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">If you're still eligible for a GIC stocks & shares ISA, you’ll be able to reactivate it online.</p> <p class="A-PAR16R-RW-ALL">Just log on to your GIC account:</p> <ul class="A-LSTU-RW-ALL"> <li>Select ‘Investing’</li> <li>Then select ‘Reactivate your ISA’</li> </ul> <p class="A-PAR16R-RW-ALL">If you need to make changes to your details such as your title, first name or surname, you’ll need to call us to update it before your ISA can be reactivated.</p> <p class="A-PAR16R-RW-ALL">If your application is successful, your ISA will be active again and you can invest up to the yearly ISA limit.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_12" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1378799589__panel0" role="button" tabindex="0"> <h4 id="1378799589__tab0" class="dropdown-text ">Reactivate your ISA by phone </h4> <span class="chevron"></span> </div> <section id="1378799589__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_22"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_31" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_69" 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 reactivate your ISA by phone, give us a call on:</p> <p class="A-PAR16R-RW-ALL"><a href="tel:03456076180">03456 076 180</a></p> <p class="A-PAR16R-RW-ALL">Lines are open from 08.00 to 18.00 Monday to Friday, excluding public holidays.</p> <p class="A-PAR16R-RW-ALL">After the call, your ISA will be active again and you can invest online, up to your yearly ISA limit.</p> </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="transfer-isa"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_21"> How to transfer an ISA to your account </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_70" 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 can transfer any of the following ISAs or holdings from another provider to your Global Investment Centre account:</p> <ul class="A-LSTU-RW-ALL"> <li>Cash ISAs</li> <li>Matured Child Trust Funds</li> <li>Stocks & Shares ISAs with other providers – either cash or fund holdings (if we offer the same fund as your current provider)</li> <li>holdings held outside an ISA (if we offer the same fund as your current provider)</li> </ul> <p class="A-PAR16R-RW-ALL">To make a transfer:</p> <ol class="A-LSTO-RW-ALL"> <li>Log on to your GIC account</li> <li>Go to ‘Your Portfolio’</li> <li>Select ‘Investing’ in the top menu</li> <li>Select ‘Transfer funds & ISAs’</li> <li>Fill in the application form</li> </ol> <p class="A-PAR16R-RW-ALL">Once you've done this, you’ll be shown what to do next. In some cases you may need to print the form, sign it and return it to us by post.</p> <p class="A-PAR16R-RW-ALL">If you'd prefer to receive a printed form, just call us and we’ll send one to you.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="move-funds-from-your-gia-to-your-isa"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="content_main_heading_22"> How to move funds from your GIA to your ISA </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_71" 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">If you have funds in your general investment account (GIA), you could choose to reinvest them in your ISA to take advantage of your yearly ISA allowance. You’ll need to have an <u><a href="/investments/existing-customers/global-investment-centre/#reactivate-isa">active ISA</a></u>.</p> <p class="A-PAR16R-RW-ALL">To move funds from your GIA to your ISA:</p> <ol class="A-LSTO-RW-ALL"> <li>Sell funds from your GIA. <a href="/investments/existing-customers/global-investment-centre/#sell-funds">Find out how to sell funds</a></li> <li>Once the funds have sold, the proceeds will be paid into your GIA uninvested cash account within 4 business days</li> <li>Move the funds from your GIA to your ISA uninvested cash account</li> <li>Buy funds in your ISA, making sure to select ‘ISA uninvested cash account’ as the payment account. <a href="/investments/existing-customers/global-investment-centre/#buy-funds">Find out how to buy funds</a></li> </ol> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="content_main_accordion_6" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_13" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="739005598__panel0" role="button" tabindex="0"> <h4 id="739005598__tab0" class="dropdown-text ">How to move funds to your ISA uninvested cash account </h4> <span class="chevron"></span> </div> <section id="739005598__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_23"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_32" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_72" 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 do this:</p> <ul class="A-LSTU-RW-ALL"> <li>Select ‘GIC GIA uninvested cash account’ from your list of accounts in online banking.</li> <li>Then, select ‘Move money’ and move money to your ‘GIC ISA uninvested cash account’</li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_14" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1998076299__panel0" role="button" tabindex="0"> <h4 id="1998076299__tab0" class="dropdown-text ">What happens after you've sold your GIA funds? </h4> <span class="chevron"></span> </div> <section id="1998076299__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_24"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_33" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_73" 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">Within 1 business day of selling the funds in your GIA, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post.</p> <p class="A-PAR16R-RW-ALL">And once you have placed buy trade into your ISA, we’ll send you a contract note for that trade too.</p> <p class="A-PAR16R-RW-ALL">To see value of your shares, go to ‘My summary’, then select ‘Global Investment Centre’. You can also track your sell and buy orders by selecting the ‘Investments transactions’ tab and then selecting ‘Order status’.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="content_main_advanced_expander_15" 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="1347508226__panel0" role="button" tabindex="0"> <h4 id="1347508226__tab0" class="dropdown-text ">How are ISAs changing in the 2024 / 2025 tax year? </h4> <span class="chevron"></span> </div> <section id="1347508226__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="content_main_columnControl_25"> <div class="cc cc-columns-100 "> <div id="content_main_columnControlColumn_34" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_74" 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 class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="questions"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="content_main_heading_23"> Any other questions? </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="content_main_richtext_75" 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">For more information about your Global Investment Centre account, you can read the <a href="/content/dam/hsbc/gb/pdf/gic-key-features-document.pdf">Key features</a> or the <a href="/content/dam/hsbc/gb/pdf/gic-terms-and-conditions.pdf">Terms and conditions</a>.</p> <p class="A-PAR16R-RW-ALL">If you've got a question we've not covered, log on to your Global Investment Centre account and select ‘Chat’ to get in touch.</p> <p class="A-PAR16R-RW-ALL">Or if you'd prefer to speak to one of our team, give us a call on:</p> <p class="A-PAR16R-RW-ALL"><a href="tel:03456076180">03456 076 180</a></p> <p class="A-PAR16R-RW-ALL">Lines are open from 08:00 to 18:00 Monday to Friday, excluding bank holidays.</p> </div></div> <div class="O-SMARTSPCGEN-DEV M-BACKTOTOP-RW-RBWM"><div id="content_main_backtotop_2"> <div id="content_main_link_2" 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 id="content_main_columnControlColumn_35" class="cc-column"> </div> </div> </div> </div> </div> </div> </main> <div class="socialMediaFooter grid "> <div class="row social-row " id="content_socialmediafooter_1"> <span class="A-DIVHL-RW-ALL"></span> <div class="sm-12 lg-9"> <div id="content_link_6" 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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