Stocks & Shares ISAs

Make the most of your ISA allowance. Choose a ready-made World Selection portfolio, or build and manage your own portfolio of funds or securities.

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Investment funds

Research, buy, and track investment funds online via our Global Investment Centre, or top up / add on to your existing Selected investment funds.

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Sharedealing

Make your own investment decisions with our sharedealing accounts. Build a portfolio of shares with InvestDirect or InvestDirectPlus.

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Premier advice

Build the future you've imagined with the HSBC Premier advice service.

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Please bear in mind

Investment risk

All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

Time commitment

Most investments should be considered as a medium to long-term commitment; this means you should be prepared to hold them for at least five years.

Tax benefits

The value of any tax benefits described depends upon your individual circumstances - tax rules may change in future.

In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document for each product and, where applicable, in the Key Investor Information Document for the underlying fund(s), which you should read carefully before applying.

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Our top 5 FAQs

  1. What is an ISA?
    What is an ISA?

    An ISA is a tax efficient way of saving or investing, as all income and capital gains arising within an ISA are exempt from any personal liability to UK income tax and Capital Gains Tax. There are two types of ISA:

    • Cash
    • Stocks and Shares

    A payment by you into an ISA in any tax year is called a subscription. You can only subscribe to one of each type of ISA per tax year. ISAs can only be held in a sole name. ISAs held in joint names are not permitted. HSBC InvestDirect and HSBC InvestDirect Plus only offer a stocks and shares ISA, which is self-select. This means you choose the individual investments to be held within your ISA from the available range.

    The value of most investments, and any income they generate, can go down as well as up, meaning you may not get back the full amount you invested. This may in part be due to exchange rate fluctuations where overseas investments are held.

    Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.

    Some have a fixed-term or may not be accessible until you reach your retirement age. For products with a fixed-term you may get back significantly less than originally invested if you make an early withdrawal.

    The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

  2. How much can I subscribe to an ISA?
    How much can I subscribe to an ISA?

    For tax year 2015/2016:

    • you can subscribe up to £15,240 into a cash ISA; or
    • you can subscribe up to £15,240 into a stocks and shares ISA; or
    • you can subscribe up to a total of £15,240 in part to a cash ISA and in part to a stocks and shares ISA in such proportions as you choose.

    Current tax year subscriptions must be transferred in whole, but previous tax year(s) subscriptions can be transferred in whole or in part. Please note that if a current tax year cash ISA subscription is transferred to a stocks and shares ISA, under the ISA regulations the subscription is retrospectively deemed to have been subscribed directly to the stocks and shares ISA.

    Please note that each year, all ISA managers are required to report details of ISA subscriptions made by their customers to HM Revenue & Customs (HMRC) so that HMRC can check that individuals do not exceed the limits.

    The value of most investments, and any income they generate, can go down as well as up, meaning you may not get back the full amount you invested. This may in part be due to exchange rate fluctuations where overseas investments are held.

    Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.

    Some have a fixed-term or may not be accessible until you reach your retirement age. For products with a fixed-term you may get back significantly less than originally invested if you make an early withdrawal.

    The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

  3. How do I apply?
    How do I apply?

    To apply for an HSBC InvestDirect stocks and shares ISA, log in to your InvestDirect or InvestDirect Plus account and select 'ISA' from the 'Products and Services' page – then follow the guidelines provided. Alternatively, you can call us on .

    This product is offered without advice and, as such, we are not required to assess the suitability of this product for you. This means that the protection offered by the Financial Conduct Authority's rules on assessing suitability will not apply to this transaction.

    The value of most investments, and any income they generate, can go down as well as up, meaning you may not get back the full amount you invested. This may in part be due to exchange rate fluctuations where overseas investments are held.

    Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.

    Some have a fixed-term or may not be accessible until you reach your retirement age. For products with a fixed-term you may get back significantly less than originally invested if you make an early withdrawal.

    The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

    . To help us continually improve our service and in the interests of security, we may monitor and/or record your communications with us.

  4. How long does it take to open an HSBC InvestDirect stocks and shares ISA?
    How long does it take to open an HSBC InvestDirect stocks and shares ISA?

    Once complete, your online application will be reviewed. If everything is in order, your account will be open within three business days.

    If you apply by phone, and your account is accepted, your account will be open within three business days. We'll send you a post sale declaration confirming the answers given over the phone – you need to check these and contact us if any of the information on the declaration is incorrect.

    The value of most investments, and any income they generate, can go down as well as up, meaning you may not get back the full amount you invested. This may in part be due to exchange rate fluctuations where overseas investments are held.

    Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.

    Some have a fixed-term or may not be accessible until you reach your retirement age. For products with a fixed-term you may get back significantly less than originally invested if you make an early withdrawal.

    The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

  5. How do I fund my HSBC InvestDirect stocks and shares ISA?
    How do I fund my HSBC InvestDirect stocks and shares ISA?

    You can transfer funds from your HSBC InvestDirect Settlement Account or HSBC InvestDirect Plus Sterling Cash Account (as applicable to your HSBC InvestDirect stocks and shares ISA) by using the transfer between accounts section on our website. Your ISA will be credited immediately and this subscription will count towards your annual ISA limit.

    When your ISA is opened, we'll provide you with the six-digit sort code and eight-digit account number for your HSBC InvestDirect stocks and shares ISA. You can use this to make electronic payments using Personal Internet Banking. You will not be able to trade inside your HSBC InvestDirect stocks and shares ISA until it has been funded.

    The value of most investments, and any income they generate, can go down as well as up, meaning you may not get back the full amount you invested. This may in part be due to exchange rate fluctuations where overseas investments are held.

    Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.

    Some have a fixed-term or may not be accessible until you reach your retirement age. For products with a fixed-term you may get back significantly less than originally invested if you make an early withdrawal.

    The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

Need to speak to us?

Our opening hours are Monday to Friday 8am to 9pm.

Textphone: 18001 0800 028 0126.

To help us continually improve our service, and in the intreests of security, we may monitor and/or record your communications with us.

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