HSBC Mini Cash ISA Review

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HSBC Mini Cash ISA
2 stars
Average rating for this product is: 2 out of 5

From 2 ratings and 13 reviews

Thumb down 38% of users recommend this product

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Poe Bird's Review of HSBC Mini Cash ISA

18th Mar 2008

Overall Rating

1.5 stars
  • Value for money
    2 stars
  • Customer Service
    5 stars
Good Points

Customer service isn't a problem at most branches or over the phone. I've never had to be more than 15 minutes to accomplish anything.


Bad Points

Interest rates.


General Comments

HSBC knows it can offer great customer service and an old familiar name that people recognize as a symbol of security. This may sound like a good thing, but it also means they can take advantage of peoples mistrust of other banks and building societies by giving customers like myself a low 4.75% interest rate (variable) on our ISA's. Now, you may not go for that top of the line ISA but still, most other companies can do better than that. The only one I've seen that's worse is Virgin at 4.5%. Most offer anywhere from 5.15% to 6%. The fact that the best HSBC has to offer is 5.75% even for it's valued customers is rather disappointing. I just wish I had known more about ISA's before choosing them as my first to save with, now I've lost the potential to start with another bank that offers fantastic first time rates.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
NatWeste-ISAAvailable to existing Natwest Customers Only. The longer you save the more you can earn, save up to £3,600 in a tax year. See site for details.Monthly2.00%N/A
AbbeyDirect ISASave from just £1 to receive 2.00 AER (variable) tax free.Annually2.00%N/A
NatWestCash ISAAvailable to existing Natwest customers only. Transfer your previous years ISA's into this great cash ISA. Earn up to 2.0% AER tax free.Monthly2.00%N/A