Stocks And Shares ISA | Investment 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 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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="crh-hero-banner__main-header A-TYPS1R-RW-DEV text-container text "> <span class="A-TYPS1L-RW-DEV">Stocks & shares ISA</span> </h1> <div id="pp_intro_hero_description_1"> <div class="crh-hero-banner__main-lead A-TYPS5R-RW-DEV text-container text "> Find out how to start investing with a tax-efficient stocks and shares ISA. </div> </div> <div class="crh-hero-banner__main-buttons-wrapper"> </div> </div> </div> </div> <div class="crh-hero-banner__main-image-wrapper "> <div class="M-IMG-RW-DEV"> <div id="pp_intro_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="pp_intro_image_2"> <source srcset="/content/dam/hsbc/en/images/16-9/three-potted-plants.jpg/jcr:content/renditions/cq5dam.web.1680.1000.jpeg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/three-potted-plants.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/three-potted-plants.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/three-potted-plants.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 2x"/> <img id="pp_intro_image_3" class="A-IMAGE-RW-ALL smart-image-img" role="img" src="/content/dam/hsbc/en/images/16-9/three-potted-plants.jpg" alt/> </picture> </figure> </div> </div> </div> </div> <div class="crh-row"> <div class="crh-cell crh-cell--size-12"> <hr class="crh-horizontal-rule crh-horizontal-rule--on-light crh-hero-banner__hr" aria-hidden="true"/> </div> </div> </div> </div> </div> </div> <main class="grid O-SMARTSPCGENGRID"> <div class="row with-bg"><div id="pp_notificationBanner_1" class="sm-12"> <section class="notification-banner O-SMARTSPCGEN-DEV hidden"> <div class="A-PNLINLNEMSGE-RW-ALL"> <div class="notification-banner-icon"> <i class="icon icon-circle-info" aria-hidden="true"></i> </div> <div class="notification-banner-text A-TYP16R-RW-ALL"> <p>Find out more about the ISA regulations <a href="#how-are-isas-changing-in-the-2024-2025-tax-year">updates that apply from 6 April 2024</a>.</p> </div> <div class="notification-banner-close"> <button class="close-notification-banner"> <i class="icon icon-delete-small" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> </section> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="row"> <div class="lg-9 md-10 hide-on-mobile"> <div class="row hide-on-mobile "> <nav aria-label="You are here" class="O-BRDCRUM-RW-ALL sm-12"> <ol itemscope itemtype="http://schema.org/BreadcrumbList" class="breadcrumbs-list O-SMARTSPCGEN-DEV" role="list"> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_3" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">HSBC UK</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="1"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_4" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/investments/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">Investing</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <meta itemprop="position" content="2"/> </li> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <span class="A-TYP16B-RW-ALL" aria-current="page" aria-label="Stocks & shares ISA"> <span itemprop="name">Stocks & shares ISA</span> </span> <meta itemprop="position" content="3"/> </li> </ol> </nav> </div> </div> <div class="lg-3 md-2 sm-12"> </div> </div> </div> </div> <div class="row with-bg"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_1"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-stocks-and-shares-isa-buyertypedetailteaser"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_1"> A tax-efficient way you could grow your investments </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_1" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>A stocks & shares ISA (Individual Savings Account) is an account that you can use for your investments.</p> <p>It's a tax-efficient way to potentially grow your investments, because you can invest up to £20,000 in the current tax year, without paying any UK income tax or capital gains tax on any income or growth.</p> <p>You can have different ISAs at the same time with multiple providers, but you must stay within the total annual limit of £20,000 across all ISAs.</p> <p>You can only have one of each type of ISA with HSBC and first direct, such as one stocks & shares ISA and one cash ISA. Check the terms of the account you'd like to open to fully understand what's allowed.</p> <p>Remember, investing has its downs as well as ups – so you could get back less than you invest. Plus, tax rules can change and any benefits will depend on your individual circumstances.</p> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV in-page-promo"> <div id="pp_tools_inPage_promo_1" class="in-page-promo--pearl 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="pp_tools_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="pp_tools_image_2"> <source srcset="/content/dam/hsbc/gb/messages/mobile/14751-mass-affluentautmn-trees-870x486.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/gb/messages/mobile/14751-mass-affluentautmn-trees-870x486.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/gb/messages/mobile/14751-mass-affluentautmn-trees-870x486.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_3" class="A-IMAGE-RW-ALL smart-image-img" role="img" src="/content/dam/hsbc/gb/messages/mobile/14751-mass-affluentautmn-trees-870x486.jpg" alt/> </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 "> Future Planner </h3> <div class="in-page-promo__subtitle"> <p class="A-TYPS5R-RW-DEV text-container text "> Bring your plans to life with our exclusive tool for Premier customers, in the latest version of the app. </p> </div> </div> <div class="action-buttons"> <div class="secondary-button"> <div> <a class="A-BTNSS-RW-ALL" href="/wealth/planning/future-planner/" target="_self" id="pp_tools_button_1" data-event-component="button" data-event-name="Explore Future Planner"> <span>Explore Future Planner</span> </a> </div> </div> </div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="why-invest-with-hsbc"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_2"> Why invest with HSBC? </h2> </div> </div> <div id="pp_tools_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_3"> <div class="cc cc-columns-25-25-25-25 "> <div id="pp_tools_columnControlColumn_5" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_4" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_5"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/globe.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/globe.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/globe.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_6" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/globe.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-global-opportunities-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_3"> Investments from around the world </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_2" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Join over 300,000 people in the UK who already invest with HSBC. Plus, we'll connect you to opportunities around the world.<br> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_6" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_7" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_8"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_9" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/9798-flexible-trading-anywhere-800x450.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-invest-through-the-app-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_4"> Invest in a few steps </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_3" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can invest here on the website or from your app. Then, track and manage your investment on the go in the app.<br> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_7" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_10" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_11"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/broad-investment-choices.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/broad-investment-choices.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/broad-investment-choices.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_12" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/broad-investment-choices.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-investment-options-for-all-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_5"> A range of options </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_4" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Whether you're new to investing or more confident with your money, we've got a choice of investments for you.<br> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_8" class="cc-column"> <div class="M-IMG-RW-DEV"> <div id="pp_tools_image_13" class="crh-smart-image "> <div class="crh-media-aspect-ratio-container"> <picture id="pp_tools_image_14"> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_15" class="A-IMAGE-RW-ALL crh-media-aspect-ratio-container__media-inside" role="img" src="/content/dam/hsbc/en/images/pictograms/white-bg/16-9-tile/cash-withdrawal.jpg" alt/> </picture> </div> </div> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="dollar-easy-access-to-your-money-featurebenefitsummaryinfotitle"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_6"> Easy access to your money </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_5" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You should aim to invest for at least 5 years. But your money isn't locked away – you can sell your investments and the money will usually be in your account within 4 business days.<br> </p> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_4"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="who-can-open-a-stocks-shares-isa"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_7"> Who can open a stocks & shares ISA? </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_6" 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">You can open a stocks & shares ISA if:</p> <p class="A-PAR16R-RW-ALL"><div class="commonMark-list"> <ul> <li>you're at least 18 years old</li> <li>you haven’t already subscribed to another HSBC or first direct stocks & shares ISA for the current tax year (you may still have subscribed to a cash ISA with HSBC)</li> <li>you’ve not exceeded your £20,000 ISA limit for the current tax year</li> <li>you're a UK resident for tax purposes</li> </ul> </div> </p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="need-support-before-applying"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_8"> Need support before applying? </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_7" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">If you think you might need support before making an investment decision, we can help you <u><a href="/investments/existing-customers/investment-support/" target="_self">get specialist investment support</a></u>.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_10" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_5"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_11" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="how-to-open-a-stocks-shares-isa"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_9"> How to open a stocks & shares ISA </h2> </div> </div> <div id="pp_tools_columnControlColumn_12" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_6"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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">To open a stocks & shares ISA with us, you'll first need to have an <a href="/current-accounts/" target="_self">HSBC current account</a>. You'll also need to meet the eligibility criteria for the investment you'd like to apply for. Fees will apply.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="1-choose-what-youd-like-to-invest-in"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_10"> 1. Choose what you'd like to invest in </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_9" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can invest in one of our 5 ready-made portfolios, or choose your own investments. Plus, get started from £50.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="2-open-a-stocks-shares-isa"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_11"> 2. Open a stocks & shares ISA </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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 decided what to invest in, you can open a stocks & shares ISA as your investment account. And, it’ll be free from UK income tax and capital gains tax.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_14" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_7"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="ready-to-invest"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_12"> Ready to invest? </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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">Get started by choosing what you'd like to invest in. Investing in a ready-made portfolio is an easy way to get started. Or, you can choose your own investments, or choose from a wide range of funds and shares.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_16" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV"><div> <div class="O-MASTERTILE-DEV title-hidden"> <div class="row"> <div class="container sm-12 md-12 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_tools_tile_1" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_tools_image_16"> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 2x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_tools_image_17" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/images/16-9/studio-person-1-global.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" alt/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Ready-made portfolios</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p>Choose an HSBC Global Strategy Portfolio that's already made, for an easy way to invest. Each portfolio has a different level of risk, contains a mix of global investments and is managed on your behalf.</p> <p><strong> </strong></p> </div> <div class="link-section "> <div class="masterTileItemChevronLink link"> <div id="pp_tools_link_1" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/investments/products/hsbc-global-strategy-portfolios/" target="_self" data-event-component="text link" data-event-name="Get started|component: Ready to invest? |position:1"> <span aria-hidden="true" class="link text"> <strong>Get started</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Get started</strong> with a ready-made portfolio </span> </a> </div> </div> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_tools_tile_2" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_tools_image_18"> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-60.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-60.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 2x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-60.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-60.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-60.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-60.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_tools_image_19" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/images/16-9/studio-person-60.jpg" alt/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Online fund platform</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p>Research, buy, sell and switch investments online with our Global Investment Centre.</p> <p><strong></strong></p> </div> <div class="link-section "> <div class="masterTileItemChevronLink link"> <div id="pp_tools_link_2" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/investments/products/global-investment-centre/" target="_self" data-event-component="text link" data-event-name="Get started|component: Ready to invest? |position: 2"> <span aria-hidden="true" class="link text"> <strong>Get started</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Get started</strong> with our online fund platform </span> </a> </div> </div> </div> </div> </div> </div> <div class="container sm-12 md-6 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="pp_tools_tile_3" class="A-PNL-RW-ALL"> <div class="image-wrapper"> <picture id="pp_tools_image_20"> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 2x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/jcr:content/renditions/cq5dam.web.430.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/jcr:content/renditions/cq5dam.web.880.1000.jpeg 2x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/jcr:content/renditions/cq5dam.web.230.1000.jpeg 1x, /content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 2x"/> <img id="pp_tools_image_21" class="A-IMAGE-RW-ALL " src="/content/dam/hsbc/en/images/16-9/studio-person-1-india.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" alt/> </picture> </div> <div class="heading"> <h3 class="A-TYP28L-RW-ALL"> Online share dealing account</h3> </div> <div class="A-PAR16R-RW-ALL rich-text"> <p>InvestDirect is our online share dealing account that puts you in control of your investment decisions.</p> <p><strong></strong></p> </div> <div class="link-section "> <div class="masterTileItemChevronLink link"> <div id="pp_tools_link_3" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/investments/products/invest-direct/" target="_self" data-event-component="text link" data-event-name="Get started|component: Ready to invest? |position:3"> <span aria-hidden="true" class="link text"> <strong>Get started</strong> </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> <span class="visuallyhidden"><strong>Get started</strong> with online share dealing </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_8"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_17" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="frequently-asked-questions"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_13"> Frequently asked questions </h2> </div> </div> <div id="pp_tools_columnControlColumn_18" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_9"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_19" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_tools_accordion_1" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_1" class="sm-12 clear-float"> <div class="anchor" id="additional-requirements-1"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="798092038__panel0" role="button" tabindex="0"> <h3 id="798092038__tab0" class="dropdown-text ">What are funds and shares? </h3> <span class="chevron"></span> </div> <section id="798092038__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_10"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_20" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_12" 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>Funds are a ready-made basket of investments. When you invest in funds, you’re buying into a mix of assets, which may include shares, property, government bonds. <br></p> <p>Shares are units of ownership in a company. When you buy shares, you’re effectively buying a small stake in a company. Companies sell shares to raise money, which they then use to expand their business. Investors, known as shareholders, are then free to buy and sell some or all of those shares on the stock market at any time.</p> <p>If you need help, call our specialist team on <a href="tel:03456076180" target="_blank" rel="noopener noreferrer">03456 076 180</a>. Lines are open from 08:00 to 18:00 Monday to Friday, excluding bank holidays.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_2" class="sm-12 clear-float"> <div class="anchor" id="additional-requirements-1"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-745806381__panel0" role="button" tabindex="0"> <h3 id="-745806381__tab0" class="dropdown-text ">Can I have more than one stocks & shares ISA? </h3> <span class="chevron"></span> </div> <section id="-745806381__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_11"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_21" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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"> <p class="A-PAR16R-RW-ALL"><p>Yes, you can subscribe to more than one stocks & shares ISA across multiple providers, but you can only pay a new contribution into one HSBC or first direct stocks & shares ISA per tax year.</p> <p>You may also subscribe to one cash ISA with HSBC, first direct or any other type(s) of ISA with other providers in the same tax year, subject to the overall subscription limit (which is £20,000 for the current tax year), and other eligibility criteria that may apply to other types of ISA.</p> <p>The value of tax benefits and reliefs depends on your personal circumstances and tax rules may change in the future.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_3" class="sm-12 clear-float"> <div class="anchor" id="q-2"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-560779679__panel0" role="button" tabindex="0"> <h3 id="-560779679__tab0" class="dropdown-text ">Can I transfer my existing ISA to HSBC? </h3> <span class="chevron"></span> </div> <section id="-560779679__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_12"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_22" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_14" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>Yes, if you already have a cash ISA or a stocks & shares ISA with another provider you can transfer in funds or shares to an HSBC stocks & shares ISA. This doesn't count towards your current tax year limit. <br></p> <p>You could also sell some or all of your investments in your existing stocks & shares ISA and transfer the proceeds via cash into your HSBC stocks & shares ISA.</p> </p> </div></div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="pp_tools_links_1" class="links-list"> <li> <div id="pp_tools_link_4" class="link-container"> <a class="A-LNKST-RW-ALL" href="/investments/existing-customers/global-investment-centre/#transfer-isa" target="_self" data-event-component="text link" data-event-name="buton:how to transfer an isa to an hsbc global investment centre account|component:frequently asked questions"> <span class="link"> How to transfer an ISA to an HSBC Global Investment Centre account </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> <li> <div id="pp_tools_link_5" class="link-container"> <a class="A-LNKST-RW-ALL" href="/investments/existing-customers/invest-direct/#transferIn" target="_self" data-event-component="text link" data-event-name="buton:how to transfer an isa to an hsbc investdirect account|component:frequently asked questions"> <span class="link"> How to transfer an ISA to an HSBC InvestDirect account </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </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="pp_tools_advanced_expander_4" class="sm-12 clear-float"> <div class="anchor" id="q-2"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1864961683__panel0" role="button" tabindex="0"> <h3 id="1864961683__tab0" class="dropdown-text ">Will I be taxed on my stocks & shares ISA? </h3> <span class="chevron"></span> </div> <section id="1864961683__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_13"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_23" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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"> <p class="A-PAR16R-RW-ALL"><p>Any income and capital gains you earn from the investments in your stocks and shares ISA will be exempt from UK income tax and capital gains tax. And, you don’t have to mention your ISA on your UK tax return. <br></p> <p>Any income in your ISA from interest or dividends won't impact your UK personal savings allowance or your UK dividend allowance that you may be entitled to in relation to any non-ISA income. <br></p> <p>Please note the value of tax benefits and reliefs depends on your personal circumstances, and tax rules may change in the future.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_5" class="sm-12 clear-float"> <div class="anchor" id="q-2"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1226817975__panel0" role="button" tabindex="0"> <h3 id="1226817975__tab0" class="dropdown-text ">Can I get investment advice? </h3> <span class="chevron"></span> </div> <section id="1226817975__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_14"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_24" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_16" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><p>If you've got an HSBC current or savings account with £100,000 or more and you've got broad financial needs, we offer a dedicated <a href="/investments/advice/financial-advice/" target="_self" rel="noopener noreferrer">financial advice service</a>. Eligibility criteria and fees apply.</p> <p>Please note, we no longer offer online investment advice.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_6" 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="1142796368__panel0" role="button" tabindex="0"> <h3 id="1142796368__tab0" class="dropdown-text ">How are ISAs changing in the 2024 / 2025 tax year? </h3> <span class="chevron"></span> </div> <section id="1142796368__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_15"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_25" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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"><p><strong>Cash ISA age limit</strong></p> <p>From 6 April 2024, there are changes to how old you need to be to open a cash ISA.</p> <p>To open a new cash ISA, you need to be either:</p> <div class="commonMark-list"> <ul> <li>18 years old or over, or</li> <li>Covered by the transitional arrangements for those aged 16 or 17 (as of 5 April 2024), which is in place until 5 April 2026</li> </ul> </div> <p>ISA providers aren't obliged to offer the transitional arrangements. HSBC won't allow customers under 18 to open a new cash ISA from 6 April 2024, but will consider changing this in the future.</p> <p><strong>Subscribing to more than one of the same type of ISA</strong></p> <p>If you're aged 18 or over, you'll now be able to subscribe to more than one of the same type of ISA in the same tax year – subject to staying within the overall annual limit.</p> <p>For example, you could subscribe to a cash or stocks & shares ISA with one ISA provider and also subscribe to one with a different provider.</p> <p>This change doesn’t apply to Lifetime ISAs, where it's still only possible to subscribe to one Lifetime ISA in a tax year. HSBC doesn't offer Lifetime ISAs.</p> <p>From April 6 2024, ISA providers are not obliged to allow subscriptions to more than one ISA of the same type in the same tax year with themselves, and HSBC will not be offering this.</p> <p><strong>Other optional changes that not all providers are implementing</strong></p> <p>If you've gone a whole tax year without making a subscription to an existing ISA, you can now restart subscriptions without needing to complete a new application.</p> <p>Since 6 April, some providers allow you to make a partial transfer of subscriptions made in the current tax year, but HSBC is not currently allowing this.</p> <p>We'll update our website if we make any changes to our ISAs in the future.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_26" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div 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