Sharedealing

Sharedealing

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Overview

Overview

You’re in control with HSBC sharedealing

If you like to make your own investment decisions, our InvestDirect and InvestDirect Plus sharedealing accounts could be ideal. You can set up an account and trade online – plus there are easy to use tools to help you make informed investment decisions.

Find out more How to apply

Available to HSBC current account customers. Check full product eligibility details.

  • Trade in stocks and shares

    An InvestDirect or InvestDirect Plus sharedealing account lets you buy and sell stocks and shares whenever it suits you.

  • ISA

    Our stocks and shares ISA has no initial charge or annual management fee unlike many of our competitors.

  • Make Informed Decisions and test your strategies

    Use interactive research tools to make informed decisions about what and when to trade. Create a virtual portfolio that lets you test your trading strategies.

  • Competitive rates

    You can trade online for a flat fee of £12.95 per share deal (including trades inside an ISA). If you have an InvestDirect Plus account, you'll benefit from our competitive Frequent Trader Tariff of just £7.95 per share deal after your 9th trade in a calendar quarter.

  • Medium- to long term investment

    This product is designed to be held for at least five years.

  • Investment risk

    All investments carry some risk. The value of investments can fall as well as rise and you may not get back the amount you invested.

You might consider this for:
How to apply

Available to HSBC current account customers. Check full product eligibility details.

Downloads

The key features of HSBC InvestDirect and HSBC InvestDirect Plus in a handy (and printable) PDF.

You should also download and read the following:

To read our PDF files you'll need Acrobat Reader 4.0 or above. Visit Adobe UK. If you're using screen reading technology that cannot read PDFs, a converter is available at Access Adobe.

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?

    Because of their tax advantages, ISAs are subject to annual subscription limits. The overall ISA subscription limit is currently £11,880 for the current tax year. Up to £5,940 of this overall limit can be saved in a cash ISA with one provider. The remainder of the £11,880 can be invested in a stocks and shares ISA with either the same or another provider.

    Alternatively, the full £11,880 can be invested in a stocks and shares ISA with one provider. ISAs may be transferred to another ISA with the same or a different ISA manager. When an ISA is transferred in this way, the amount transferred is not a subscription for that tax year and therefore does not count towards the subscription limits explained above. It is not possible to transfer a stocks and shares ISA to a cash ISA.

    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 0845 600 2469 .

    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.

    Our opening hours are Monday to Friday 7.30am to 9.30pm (excluding Bank Holidays), Saturday 10.00am to 4.00pm, Sunday Closed Our opening hours are Monday to Friday 7.30am to 9.30pm (excluding Bank Holidays), Saturday 10.00am to 4.00pm, Sunday Closed. 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?

Give our friendly team a call on:

0845 600 2469

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

More details

More details

Key product information

What you need to know
  • InvestDirect lets you trade in UK equities, gilts (UK Government bonds) and most UK-listed Exchange Traded Funds
  • InvestDirect Plus gives you additional benefits – letting you trade in US equities, borrow against your portfolio and take advantage of a Frequent Trader Tariff
  • There are interactive research tools to help you make informed decisions about what and when to trade
  • You can create a virtual portfolio that lets you test your trading strategies
  • Trading inside an InvestDirect Stocks and Shares Individual Savings Account (ISA) will keep your shareholding tax efficient – you decide which shares to buy and sell and any growth is free of Capital Gains Tax. Plus, there's no setup charge or annual management fees.
  • 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.
How it works
  • We'll open an Investment Account for you where your stocks and shares will be held electronically in the name of our nominee company. You remain the beneficial owner of the shares.
  • You can transfer any existing ISAs, securities and any paper share certificates into your InvestDirect account using the forms on our website. Please take into account this can take up to six weeks to transfer.
  • With InvestDirect, you'll pay for shares through a Settlement Account that we set up for you and link to your nominated HSBC current account
  • InvestDirect has an initial dealing limit of £10,200 (subject to meeting our criteria), which means deals placed and yet to settle must not exceed this dealing limit. You need to ensure that sufficient money is available in your nominated HSBC current account on the day of executing a trade to meet the costs of any purchases on the settlement date.
  • InvestDirect Plus uses a Sterling Cash Account that we'll set up for you. This is not linked to your nominated HSBC current account, so you must fund it in order to trade.
  • InvestDirect Plus has no trading limit – you can buy shares up to the value of money in your Sterling Cash Account
  • InvestDirect and InvestDirect Plus are execution-only sharedealing services. We don't give advice on sharedealing. 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.
  • As you will not be registered with the company's Registrar, you will not receive any correspondence or shareholder benefits from the company in which you hold shares.
  • However, we will inform you of any corporate actions, for example, rights issues, where we receive due notification from the company. Instructions for these can be given online, by letter or by telephone.
  • For further information regarding our nominee accounts please refer to the HSBC InvestDirect and HSBC InvestDirect Plus Terms and Conditions.
What it costs
  • You can buy and sell shares online for a flat fee from £12.95 per share deal (including trades inside an ISA) for deals online and from £29.95 for deals over the telephone
  • If you have an InvestDirect Plus account, you can benefit from our competitive Frequent Trader Tariff of just £7.95 per share deal after your 9th trade in a calendar quarter. The frequent trader tariff only applies to deals in UK shares, gilts and Exchange Traded Funds.
  • We don't charge you for transferring shares to your account and we don't have any inactivity or management fees. However, there is a charge for transferring stock out of your account, either to another broker or directly to you in certificate form.
  • Please refer to our rates and fees (PDF) for further information
Product provider information

InvestDirect and InvestDirect Plus are provided by HSBC Bank PLC which is authorised and regulated by the Financial Conduct Authority.

ShareShop

ShareShop gives you access to:

  • The latest stocks and share prices and market information
  • Market news and views
  • Company details and a host of charting tools
  • Plus our weekly e-Newsletter rounding up the market, economic and international news.
Go to ShareShop

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?

    Because of their tax advantages, ISAs are subject to annual subscription limits. The overall ISA subscription limit is currently £11,880 for the current tax year. Up to £5,940 of this overall limit can be saved in a cash ISA with one provider. The remainder of the £11,880 can be invested in a stocks and shares ISA with either the same or another provider.

    Alternatively, the full £11,880 can be invested in a stocks and shares ISA with one provider. ISAs may be transferred to another ISA with the same or a different ISA manager. When an ISA is transferred in this way, the amount transferred is not a subscription for that tax year and therefore does not count towards the subscription limits explained above. It is not possible to transfer a stocks and shares ISA to a cash ISA.

    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 yearcash 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 0845 600 2469 .

    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.

    Our opening hours are Monday to Friday 7.30am to 9.30pm (excluding Bank Holidays), Saturday 10.00am to 4.00pm, Sunday Closed. 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?

Give our friendly team a call on:

0845 600 2469

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

How to apply

How to apply

How would you like to apply?

Simply choose the way that suits you best – before you do, please read our HSBC InvestDirect and InvestDirect Plus Key Features document, HSBC InvestDirect stocks and shares ISA Key Features document, the rates and fees document and the HSBC InvestDirect, InvestDirect Plus and HSBC InvestDirect stocks and shares ISA Terms and Conditions.

We recommend you print and save these documents.

You should also look at the eligibility requirements and things you should know.

If you're in any doubt as to the suitability of this service for you, please seek independent financial advice.

To read our PDF files you'll need Acrobat Reader 4.0 or above. Visit Adobe UK. If you're using screen reading technology that cannot read PDFs, a converter is available at Access Adobe.

Apply online

Apply in branch

HSBC current account holders

To open an InvestDirect or InvestDirect Plus account online simply:

  • Log on to Internet Banking
  • Go to My Accounts
  • Select Apply for Products
  • Select 'Sharedealing' and follow the instructions.

To open an InvestDIrect stocks and shares ISA online:

  • First open an InvestDirect or InvestDirect Plus account online
  • Once you've accessed your account, click Products and services
  • Click ISA
  • Click apply for ISA.
Not registered for Internet Banking?

Registering online is easy. Your account will be set up within three business days, we’ll send you a letter to confirm it’s open and include all your account details.

Register for Internet Banking

New customers

You need an HSBC current account to apply for an InvestDirect or InvestDirect Plus account. You can apply for a current account online – or call us on 0800 032 4738 (textphone 18001 0800 028 0126).

Apply for an HSBC current account

Apply by phone

Apply by phone

Call us on 0845 600 2469

Our opening hours are Monday to Friday 7.30am to 9.30pm (excluding Bank Holidays), Saturday 10.00am to 4.00pm, Sunday Closed. To ensure we carry out your instructions accurately, to help us to continually improve our service and in the interest of security, we will record and may monitor your communications with us.

Eligibility requirements

To buy and sell shares through InvestDirect or InvestDirect Plus you have to be:

  • a resident of the UK, Channel Islands or Isle of Man at least 18 years old
  • registered for our Personal Internet Banking service
  • have an HSBC Bank current account

You should also read Things you should know.

Things you should know

Stock market investments usually involve a medium- to long-term commitment of at least five years. The value of your investments, and the level of income you receive from them, can fall as well as rise so you may not get back the amount you originally invested. For overseas investments, this can be caused by exchange rate fluctuations. Additional risks may apply, please refer to our HSBC InvestDirect and InvestDirect Plus Key Features document (PDF) for further information.

If you want to take advantage of our trading reserve facility, we expect you to deposit at least £10,000 of eligible shares in your InvestDirect Plus account. We suggest you deposit these shares before you submit your trading reserve application. The trading reserve is subject to a variable credit limit of up to 50% of the value of eligible shares held in your account.

InvestDirect and InvestDirect Plus are execution only share dealing services. We don't give advice on share dealing. 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.

As you will not be registered as the owner of company shares with the company's Registrar, you will not receive any correspondence or shareholder benefits from the company in which you hold shares. However, we will inform you of any corporate actions, for example, rights issues, where we receive due notification from the company. Instructions for these can be given online, by letter or by telephone. For further information regarding our nominee accounts please refer to the HSBC InvestDirect and HSBC InvestDirect Plus Terms and Conditions.

InvestDirect and InvestDirect Plus are provided by HSBC Bank PLC which is authorised and regulated by the Financial Conduct Authority.

The value of investments (and any income received from them) can fall as well as rise and you may not get back the amount 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.

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

Our opening hours are Monday to Friday 7.30am to 9.30pm (excluding Bank Holidays), Saturday 10.00am to 4.00pm, Sunday Closed

InvestDirect and investDirect plus are execution only services. We don't give advice on investing. These services are offered without advice and, as such, we are not required to assess the suitability of these services for you. This means that the protection offered by the Financial Conduct Authority's rules on assessing suitability will not apply.