HSBC SFH (FRANCE) products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by HSBC SFH (FRANCE)
3.80%
Annual fee
Free
Cashback
No
Annual fee
Free
Cashback
No
Interest rates up to 3.80%
Open and manage directly on PickTheBank Platform
Terms from 3 months to 5 years
Annual interest payments
Protected by Deposit Guarantee System up to 100.000 EUR

HSBC SFH (FRANCE)
4.1
France
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
-
Fitch
-
About HSBC SFH (FRANCE)
HSBC SFH (FRANCE) is a French specialised credit institution (société de financement de l’habitat, SFH) whose exclusive purpose is to refinance eligible French residential mortgage exposures originated within the HSBC group through the issuance of covered bonds known as obligations de financement de l’habitat (OFH). The entity operates under the French Monetary and Financial Code and the EU Covered Bonds Directive, is authorised and supervised by the Autorité de contrôle prudentiel et de résolution (ACPR), and maintains a segregated cover pool recorded in a dedicated register, monitored by an independent contrôleur spécifique. OFH issued by the company benefit from statutory priority over the cover assets and are placed under a programme aimed at institutional investors, with documentation and investor reporting provided in line with market practice. The cover pool consists of French home loans that meet SFH eligibility criteria, secured by first-lien mortgages or accepted guarantees, and is managed with regulatory overcollateralisation, liquidity buffers, and asset–liability controls; interest-rate and currency mismatches are typically hedged with collateralised derivatives. Bond terms may include hard- or soft-bullet structures, with maturities aligned to expected pool cash flows. Risk is concentrated in the French residential segment, and performance depends on borrower behaviour, collateral values, and servicing effectiveness. Corporate governance, regulatory capital, and recovery and resolution considerations follow the regime for French specialised credit institutions. Following strategic changes in HSBC’s activities in France, the composition and replenishment of the cover pool and the role of group counterparties may evolve under the programme documentation and regulatory constraints; investors should consult the latest prospectus, cover pool reports, and regulatory disclosures for current metrics and covenants.
HSBC SFH (FRANCE) Deposit guarantee scheme participation
HSBC SFH (FRANCE) participates in the deposit guarantee scheme of France which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
HSBC SFH (FRANCE) Countries of operations
HSBC SFH (FRANCE) offers their savings products in
Products offered by HSBC SFH (FRANCE) and interest rates
HSBC SFH (FRANCE) offers 0 deposits and 0 savings accounts in .
Best interest rates in France
Loans offered by HSBC SFH (FRANCE)
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Bank identifiers
BIC number
HSFHFRPP
Name
HSBC SFH (FRANCE)
Country
France