HSBC Premier Financial Advice Service

  • Investments
    03457 456123*
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Overview

Overview

Advice for you, not someone like you

Whether your dream is to retire in style, manage and grow your wealth or provide financial security for the future of your loved ones, with the help of your dedicated Premier Relationship Manager, a qualified financial adviser, you could start to build the future you’ve imagined.
Learn how to get the most out of your ISA allowance.

You may be eligible for HSBC Premier Financial Advice Service if you have £50,000 or more in savings and investments, are at least 18 years old, UK resident and have an HSBC or First Direct current account or savings account.

Find out more

Eligibility requirements

  • HSBC Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old.
  • You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee.
    * Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E-Savings or First Direct Everyday Saver.
  • If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other
    ways we can help.
  • If you are not a UK resident, see our HSBC Expat service.
  • Restricted advice

    We have chosen to offer you advice from a range of products from a limited number of carefully selected companies, including HSBC.  We do not recommend products from the whole of market. This is known as Restricted Advice.

  • No-obligation discussion

    During your initial consultation, at no cost, we'll discuss your personal economy and whether you could benefit from paying for our advice service.

  • Clear costs

    Your financial adviser will discuss our charges in your initial no obligation consultation so you understand the costs of advice and what you get in return.

  • In-depth assessment

    Your financial adviser will spend time with you, considering all aspects of your financial circumstances, and your plans and aspirations for the future. Together you'll create a bespoke financial plan designed to help you meet your goals.

  • Intelligent risk profiling

    We use sophisticated risk profiling software and modelling techniques to help you identify the level of investment risk you're comfortable with. We offer a wide range of funds and products to meet your needs, whatever your attitude to risk is.

  • Global and local expertise

    Our advisers are supported by a worldwide team of analysts who use powerful local knowledge to hand select products from a wide range of investments.

Things you should know

  • We charge for our service - our fees vary depending on your individual needs. Your adviser will clearly explain our fees upfront and the type of advice we offer in your no-obligation discussion.
  • HSBC Premier Financial Advice Service is provided by HSBC Bank plc. We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including HSBC. Your adviser will discuss the types of products and services we provide advice on. They will also explain those areas in which we don’t such as specific tax advice.
  • Our HSBC Premier Stand-alone Protection Advice service provides Premier customers the option to discuss only their protection needs with a Premier Relationship Manager.
  • For Protection only advice there will be no advice fee. If you wish to proceed, the provider will pay HSBC Bank commission.
  • The Protection only service does not include protection as part of an estate planning/IHT need; you must complete a full financial review.
  • Our Premier Relationship Manager will assess your protection needs and recommend products from a limited number of carefully selected companies, including HSBC. However if you have wider financial planning requirements you will need a full financial review and we can arrange this with your Premier Relationship Mangers.
  • Our HSBC Premier Stand-alone Investment Advice service provides Premier customers with the option to discuss only their Investment needs with a Premier Relationship Manager; a fee is payable which is less than a full financial review fee. Please ask your Premier Relationship Manager for details.
  • If after your initial discussion you are happy to proceed, a second meeting will be booked in a branch of your choice with a Premier Relationship Manager; who will then assess your current circumstances and protection needs so we can tailor our recommendations to reflect your individual needs.

If you would like to find out more about the Premier Financial Advice Service or book an appointment call:

For Premier Customers:

03457 707070

* All calls are recorded, lines are open 24 hours a day, 7 days a week.

Other customers or if you are new to HSBC:

03456 100102

* All calls are recorded, lines are open 8am to 6pm, Monday to Friday (excluding Banking Holidays).

To discuss your existing HSBC investments call:

03457 456123

* All calls are recorded, lines are open 8am to 6pm, Monday to Friday (excluding Bank Holidays).

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 happen as a result of exchange rate fluctuations, as shares and funds may have an exposure to overseas markets.

Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets.

We recommend that you should regard stock market investments as medium to long term commitments (by which we mean that you should be prepared to hold them for a period of not less than 5 years).

More details

More details

Key product information

What it offers

Experts in you
As a global bank, we understand that everyone's different. That's why we place great importance on understanding you and your needs. By identifying your personal hopes and dreams, we can start helping you build the future you want. Whatever that may be.

We realise the importance of making the right financial decisions and the impact they can have on your future plans. That's why our advisers go to great lengths to understand you and your goals, offering you holistic advice. What we mean by this is that we assess your needs across all of the following five areas:

  • protecting you and your family
  • saving for your children's future and education
  • planning for your retirement
  • managing and growing your wealth
  • passing on your wealth

Finding the right fit
To help you identify the level of investment risk you're comfortable with, we've developed our most advanced risk profiling tool yet. Using dynamic visuals, the tool accurately assesses your approach to risk and also helps you understand exactly what that approach means for you - putting you in control of your investment decisions.

A new world of advice
We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including HSBC. Your adviser will discuss the types of products and services we provide advice on. They will also explain those areas in which we don't such as specific tax advice.

All of our advisers meet high standards of qualification and have signed up to an ethical code to treat customers fairly. They will clearly explain our advice fees upfront and will be happy to answer any questions you may have.

Who is eligible?
HSBC Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old.

You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee.
* Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver.

If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see our self-directed investment options.

If you are not a UK resident, please refer to our HSBC Expat service.

How it works

If you're interested in seeking financial advice from HSBC, this is what you can expect from us:

Your no-obligation discussion
Your adviser will discuss your goals and circumstances and whether you might benefit from financial advice. They will also explain our Advice fees.

Your financial planning review
If you decide the service is right for you we'll then begin an in-depth assessment of your current circumstances and future goals.

We'll assess your needs in 5 key areas; protecting you and your family, your children’s future and education, managing and growing your wealth, retirement planning and passing on your wealth. Using our sophisticated risk profiling tool, we'll help you identify your investment risk tolerance so we can tailor our recommendations to reflect your individual needs. If you agree to the Advice Fee we will then proceed to creating your bespoke financial planning report.

Our report and recommendations
We'll then create a bespoke financial plan outlining our recommendations, including strategies and solutions that will help you build the future you want. Your adviser will then arrange a meeting to discuss their recommendations. They will talk you through the financial planning report and explain the total costs involved for advice and any product related charges, and also answer any questions you may have before implementing any recommendations with which you wish to proceed.

Things to consider

We charge for our service - our fees vary depending on your individual needs. Your adviser will clearly explain our fees upfront and the type of advice we offer in your initial, no-obligation discussion.

Fees for our Full Advice Service
Our Fees Charge
Report Only Fee £420 including VAT
Report & Implementation Fee*1 Assets:
Up to £3m 		Maximum of 2.75% of assets implemented*2 Minimum charge:
£960*1
Maximum charge:
£5,000*1

We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including HSBC.

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 happen as a result of exchange rate fluctuations, as shares and funds may have an exposure to overseas markets.

Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets.

We recommend that you should regard stock market investments as medium to long term commitments (by which we mean that you should be prepared to hold them for a period of not less than 5 years).

*1 The Report and Implementation Fee is inclusive of VAT where applicable. VAT is applicable if you invest into a discretionary investment management service. Should you choose to proceed with any Protection Product recommendations we may, in addition to the fees payable by you, receive commission from the insurance company providing the Protection Product. The amount of commission will be set out in the insurance company's Key Features Document which you will be given. However, you may ask for this information earlier if you wish.

*2 'Assets implemented' refers to the total value of all investment and pension recommendations (as well as any recommendation to invest though our discretionary investment management service) which you ask us to implement (including both lump sums and/or the 1st year of any regular contributions) but excludes any Protection Product(s) you may wish to take out. Our Financial Advice Service offers an in-depth personal assessment where we will discuss your goals for the future and your current financial situation.

Our HSBC Premier Stand-alone Protection Advice service provides Premier customers the option to discuss only their protection needs with a Premier Relationship Manager.

For Protection only advice there will be no advice fee. If you wish to proceed, the provider will pay HSBC Bank commission.

This Advice service does not include protection as part of an estate planning/IHT need; you must complete a full financial review.

Our adviser will assess your protection needs and recommend products from a limited number of carefully selected companies, including HSBC. However if you have wider financial planning requirements you will need a full financial review and we can arrange this with your Premier Relationship Manager.

If after your initial discussion you are happy to proceed, a second meeting will be booked in a branch of your choice with an adviser who will then assess your current circumstances and protection needs so we can tailor our recommendations to reflect your individual needs.

Premier Stand-alone Investment Advice is subject to a lower advice fee, please see your Premier Relationship Manager.

Product provider information

HSBC Premier Financial Advice is provided by HSBC Bank plc.

How to apply

Check full eligibility details

Our top 5 FAQs

  1. What is the difference between a cash ISA and a stocks and shares ISA?
    What is the difference between a cash ISA and a stocks and shares ISA?

    With a cash ISA, you make cash deposits similar to any other savings account, except that all interest earned is received tax free.

    With a stocks and shares ISAs, you invest your money into either a collective investment scheme (eg, 'investment funds' which invest in a range of different assets such as shares, government bonds, gilts and even other investment funds), or directly into individual stocks and shares (eg, equities or bonds).

    Stocks and shares ISAs are not investments in their own right, they are tax wrappers that surround an investment to provide the tax efficient returns. The value of your stocks and shares ISA will depend on how well the underlying investments (ie, investment funds or individual stocks and shares) perform, and whether you choose to have any income re-invested or paid out at regular intervals.

    All UK residents are able to save in cash ISAs from the age of 16 years. From the age of 18, you can start investing in stocks and shares ISAs, although do bear in mind that your investment can go down as well as up. This means that you could get back less than the amount you originally invested.

  2. Where can I get advice on my investments?
    Where can I get advice on my investments?

    If you have at least £50,000 in savings and investments, we can offer advice on a range of HSBC and non-HSBC products and will build a bespoke financial plan, tailored to your individual needs.

    If you do not meet the qualifying criteria, we can offer advice on our savings, mortgage and protection products but we can no longer provide you with advice on investments, pensions, protection and estate planning via one of our Premier Client Managers.

    For details of Independent Financial Advisers in your local area, visit www.moneyadviceservice.org.uk, the national trade body for financial advice.

    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. 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.

  3. Do you provide advice on HSBC products only?
    Do you provide advice on HSBC products only?

    No. If you have at least £50,000 in savings and investments, we can offer advice on a range of HSBC and non-HSBC products and will build a bespoke financial plan, tailored to your individual needs.

    To find out more, take a look at our HSBC Premier Financial Advice eligibility criteria or call us on 0800 328 1298 to book an appointment with an adviser.

    Lines are open Monday to Friday 8am to 9pm and 9:30am to 7:00pm on Saturday. Textphone: 18001 0800 028 0126.

    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. 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.

  4. Do I need to have an account with HSBC to be able to invest?
    Do I need to have an account with HSBC to be able to invest?

    Yes, you will need an HSBC current account or savings account for us to be able to deduct your fee, should you decide to proceed with advice. We can also accept payment from First Direct current and savings accounts. We charge for our advice service - our fees vary to reflect your individual needs. All our fees will be made clear upfront. That way you know what to expect from the outset.

    To apply for our Global Investment Centre you can apply on line or by telephone, and to buy funds via our Global Investment Centre you need to have an HSBC current or savings account.

    You need an HSBC current account to apply for an InvestDirect or InvestDirect Plus account and you can apply for a current account online or by telephone.

  5. How do I find out more about your investment charges?
    How do I find out more about your investment charges?

    The investment charges are detailed in the Key Features Document of each product.

    For investments where you make your own decisions (eg Global Investment Centre and InvestDirect), the Key Features Documents are available on the relevant product's 'How to apply' page online.

    For investments that include financial advice (eg Premier Investment Management Service) the Key Features Documents is available at your local branch.

Need to speak to someone?

Give our friendly team a call on:

0800 028 8399*

* Lines are open 8am to 6pm, Monday to Friday (excluding public holidays). To help us continue to improve our service, and in the interest of security, we may monitor and/or record your call

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

Find a branch

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.

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.

Book an appointment

How to book your appointment

How to book your appointment

Before you get in touch, please take a look below at the eligibility requirements and things you should know.

Book over the phone

Book over the phone

To book your initial, no-obligation discussion with an adviser.

Call us on 0800 032 4710*

* Lines are open 8am to 6pm, Monday to Friday. To help us continue to improve our service, and in the interest of security, we may monitor and/or record your call.

Book in branch

Book in branch

To book your initial, no-obligation discussion with an adviser.

Find a branch
Eligibility requirements

HSBC Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old.

You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee.
* Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver.

If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other ways we can help.

If you are not a UK resident, see our HSBC Expat service.

Things you should know

We charge for our service - our fees vary depending on your individual needs. Your adviser will clearly explain our fees upfront and the type of advice we offer in your no-obligation discussion.

HSBC Premier Financial Advice Service is provided by HSBC Bank plc. We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including HSBC. Your adviser will discuss the types of products and services we provide advice on. They will also explain those areas in which we don’t such as specific tax advice.

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

Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets.

We recommend that you should regard stock market investments as medium to long term commitments (by which we mean that you should be prepared to hold them for a period of not less than 5 years).

Our HSBC Premier Stand-alone Protection Advice service provides Premier customers the option to discuss only their protection needs with a Premier Relationship Manager.

For Protection only advice there will be no advice fee. If you wish to proceed, the provider will pay HSBC Bank commission.

This Advice service does not include protection as part of an estate planning/IHT need; you must complete a full financial review.

Our adviser will assess your protection needs and recommend products from a limited number of carefully selected companies, including HSBC. However if you have wider financial planning requirements you will need a full financial review and we can arrange this with your Premier relationship Mangers.

If after your initial discussion you are happy to proceed, a second meeting will be booked in a branch of your choice with an adviser who will then assess your current circumstances and protection needs so we can tailor our recommendations to reflect your individual needs.

Eligibility requirements

HSBC Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old.

You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee.
* Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver.

If you are new to HSBC Premier and would like to check the eligibility criteria and how you can apply.

If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other ways we can help.

If you are not a UK resident, see our HSBC Expat service.

Book an appointment