Paid advertisement
Smart Money People Logo
Newsletter
Own this company?
Share this page

HSBC reviews

HSBC Logo
Rated Good • 3.88/5

HSBC reviews

Unverified business Last reviewed within 7 days
  • FCA approved and regulated
    FCA approved and regulated
  • Has branches you can visit in-person
    Has branches you can visit in-person
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Offers free financial literacy resources
    Offers free financial literacy resources

Review summary

People rate this company as Good based on 2,247 product reviews

Average score of 3.88/5
5 star
43%
4 star
21%
3 star
10%
2 star
5%
1 star
21%
Reviews for HSBC have trended negatively over the past 90 days

HSBC’s app and online banking get plenty of praise for ease of use and helpful features, while many appreciate the friendly and supportive staff in branches. However, the bank struggles with poor customer service, slow responses, and frustrating account access issues, especially for business customers and those dealing with sensitive matters like bereavement or fraud. Interest rates and product competitiveness also leave a lot to be desired.

Positive themes

  • HSBC's app and online banking are easy to use and packed with handy features. (5 mentions)
Summarised by AI
Was this helpful?

About HSBC

HSBC is a global financial institution that provides financial services to customers in over 60 countries.

HSBC was originally founded in 1865 in Hong Kong and gradually expanded its services across the world. Today, HSBC UK is headquartered in Birmingham and serves over 14m people across the UK.

HSBC offers a wide range of products across banking, lending, investing and insurance.

HSBC at a glance

Contact details

Phone
0345 740 4404
Social media

Reviews for HSBC

Showing 11 of 2247 company reviews • Last reviewed within 7 days

Absolutely disgraceful customer service, followed by...

Business Banking • 9th November 2026

Absolutely disgraceful customer service, followed by an even worse experience with HSBC's Commercial Complaints Team. Rude, arrogant, dismissive and completely unwilling to listen. My original... Absolutely disgraceful customer service, followed by an even worse experience with HSBC's Commercial Complaints Team. Rude, arrogant, dismissive and completely unwilling to listen. My original complaint was about a telephone call to HSBC Business Banking during which I was subjected to approximately 30 minutes of verification and questioning, only for the agent to hang up on me. When I called back, another HSBC representative acknowledged that the questioning and process I had been put through were unnecessary. The representative accepted that there had been an issue, offered me £50 in recognition of the poor experience, and raised a formal complaint. At that point, I thought HSBC had acknowledged the problem and was taking steps to resolve it. How wrong I was. Today, I received a call from Shalini Jolly, a Commercial Complaints Handler at HSBC. She began by informing me that she had listened to the original call and that HSBC had followed the correct process. According to her, the bank had done absolutely nothing wrong. Naturally, I questioned this, particularly as another HSBC colleague had already acknowledged problems with how my call had been handled and offered £50. When I asked why I had been subjected to unnecessary questions and verification, she told me that this had nothing to do with my complaint. ARE YOU SERIOUS? My entire complaint was about how my telephone call had been handled and the verification process I had been put through! How can a complaints handler claim that the very issue being complained about has nothing to do with the complaint? Rather than providing a reasonable explanation, I found her attitude extremely arrogant, rude and dismissive. Zero listening skills. Zero willingness to engage. Zero professionalism. The conversation was completely one-sided. In my experience, she repeatedly raised her voice, talked over me, refused to answer my questions and appeared determined to impose her own conclusion without allowing me to explain my concerns. When I continued asking reasonable questions, she threatened to terminate the call. She then told me that if I was unhappy, I could take the matter to the Financial Ombudsman Service. But what happened next was even more astonishing. I asked to speak to her manager. She refused. I asked her to raise a formal complaint about her own behaviour and the way she was handling the conversation. She refused. And then she hung up on me. Let that sink in. A person employed by HSBC to investigate customer complaints has now become the subject of a complaint herself — yet, in my experience, refused even to register it. The irony would almost be laughable if the conduct were not so concerning. I contacted HSBC expecting a professional investigation, fair treatment and an explanation of what had gone wrong. Instead, I encountered someone who, in my opinion, had already made up her mind, was unwilling to discuss the evidence and treated my questions as an inconvenience. It is particularly concerning that one HSBC colleague acknowledged problems with the process and offered compensation, while the person supposedly investigating the complaint dismissed the matter entirely. Which version of HSBC's standards are customers supposed to believe? I do not expect HSBC to agree with every complaint. However, I do expect its complaints handlers to listen, provide meaningful explanations, treat customers respectfully and allow concerns to be escalated appropriately. Listening skills: 0/5 Communication: 0/5 Professionalism: 0/5 Respect for customers: 0/5 Complaint handling: 0/5 HSBC Business Banking should seriously examine how its Commercial Complaints Team treats customers. If your complaints department cannot handle a complaint professionally, and the complaints handler becomes the complaint, something is fundamentally wrong with your customer service. One star is far too generous. Unfortunately, there is no zero-star option. Read more Read less

{"display":"BK","full_name":"BK","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
BK
Rated Terrible • 1.00/5
Read more product reviews

Helpful staff resolved issue

Regular Saver • 13th October 2026

Helpful and efficient call centre staff resolved issue quickly

Rated Average • 3.00/5
Read more product reviews
  • 4.00/5

    Really easy to open an account

    Really easy to open an account and complete all the checks. App is simple to use and easy to access.

    {"display":"Natasha","full_name":"Natasha","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Bank account
    Natasha 13th October 2026
  • 5.00/5

    Easy to bank with

    It was easiest to open account when I moved to UK. 9 years after and its still my primary account. Easy to bank, good customer service, access to branches

    {"display":"Komal S","full_name":"Komal S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Bank account
    Komal S 12th October 2026
  • 1.00/5

    How poor the service is from this bank.

    How poor the service is from this bank. I have had a business account for over 15 years, and never been overdrawn or missed any... How poor the service is from this bank. I have had a business account for over 15 years, and never been overdrawn or missed any payment. The bank has stopped my account from paying out due to an account review, this happened over a week ago without anyone telling us, I only knew when I tried to make a payment. I gave the bank over the phone all the information that they required 3 days ago and my account is still on hold. I have spoken to them every day since and all I get is that there is a review and we can’t tell you when it will be completed. How am I meant to run a company if I can’t pay out. They have never been a great business bank but this is the last straw and now going to move to another bank. Read more Read less

    {"display":"Peter F","full_name":"Peter F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Banking
    Peter F 30th September 2026
  • 5.00/5

    great bank, service and perfect online and mobile ba...

    great bank, service and perfect online and mobile banking.

    {"display":"gancho b","full_name":"gancho b","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Bank account
    gancho b 4th September 2026
  • 5.00/5

    Great bank account

    Great account and lots of perks. Good customer service.

    {"display":"aimz9","full_name":"aimz9","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Premier bank account
    aimz9 3rd September 2026
  • 5.00/5

    Highly recommend

    Customer service easy to speak to on phone and very helpful. Good communication too via post / email. The cover itself it’s very good.

    {"display":"aimz9","full_name":"aimz9","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Travel Insurance
    aimz9 3rd September 2026
  • 5.00/5

    Great and clear service and easy to search products

    Great and clear service and easy to search products

    {"display":"Sharif S","full_name":"Sharif S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Bank account
    Sharif S 3rd September 2026
  • 5.00/5

    Simple and supportive to plan rate change

    Simple and supportive to plan rate change

  • 4.00/5

    HSBC mortgage

    I got a mortgage with HSBC. Application process was straight forward and the product was right for me. I've had no issues.

    {"display":"Shane W","full_name":"Shane W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Fixed rate mortgage
    Shane W 2nd September 2026

    Products from HSBC

    Showing products offered by HSBC

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice