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HSBC: Bank account reviews

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3.75

Based on 1,365 reviews, last reviewed 25th Mar 2026

3400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

24%

10%

15%

Latest highest rating:

5

Always great service Banked with them for a long time, never had any issues. Online banking easy to use and fraud team have been helpful Reviewed on: 25th March 2026

Latest lowest rating:

1

Uncomfortable and unreasonably bureaucratic My parents opened an account on my behalf as a child (aged approximately 9), which involved me signing some documents. A decade later, I could not rea... Read more Reviewed on: 24th February 2026

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About this product

The HSBC bank account gives access to a range of other offers, with no monthly account fee.

With an HSBC bank account, you can apply for an HSBC Global Money Account and convert, hold or send money in 50 currencies. In the app you can freeze or unfreeze your card and get instant notifications when money goes in or out of your account.

HSBC bank account reviews help you find out what it’s really like to be a customer. If you’ve used HSBC before, you can also leave a review and share your experience.

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HSBC Bank account reviews (1365)

Great service

Had issues with setting up a bank account and helped a lot Reviewed on: 15th April 2019

fault-free service

online service always works and is easy to use and in-bank services simple to use as well with staff readily to hand Reviewed on: 15th April 2019

Frustrating

I have so many problems with HSBC locking my debit card. It gets locked at least once a week and for a period of a few months they would lock it for security reasons every time I made a contactless payment. They might still do so but I've just stopped using contactless because I couldn't be bothered dealing with it anymore. I also spend a lot of time in Norway and they also lock my card when it's used there, even though I always notify them when I'll be in that country and using my debit card. I appreciate why banks have these security procedures but it's so excessive and my card has never been used fraudulently and isn't used in any way that could be considered suspicious. What makes it worse is that they never tell me they've done it and I only find out when I come to pay for something and the payment isn't authorised, which is always embarrassing. The only way I can then use the card again is to call their customer service line and the wait is normally between twenty minutes and an hour. They're never able to give me an explanation as to why it happens at all, let alone so frequently and then they always try to sell me on other products of theirs that I've now declined countless times. Reviewed on: 15th April 2019

No frills account

Does what it says on the tin. App could be better but no major problems. Reviewed on: 15th April 2019

Amazing service...

Have mortgage and current account. Personal in-store service is amazing. App really good too. Reviewed on: 15th April 2019

Closed my accounts without telling me why

I had been banking with them for years. Hand no problems. Then one day I couldn't use my card. I couldn't go online, I couldn't do anything. I was told they had closed my account but it looks like they never sent out the letter to give me notice and they have never told me why. I explained to them what a ridiculous financial situation this has me in as I can't buy food and they said that I will receive a cheque in the post equivalent to the balance on my account. What a ridiculous solution to someone who is saying they need their money NOW! Reviewed on: 26th March 2019

The best

Everywhere for everybody in the time Reviewed on: 11th March 2019

Not had an issue with HSBC

I love the pending payments feature that's been added to the mobile app and the use of touch ID to log in. Reviewed on: 10th February 2019

Constant problems & lack of branches

I have been a loyal customer for about 20 years however in recent years I’ve had a constant issue with being unable to set up direct debits. Every time I try companies contact me to inform me HSBC have rejected the DD request however when I ask HSBC they claim there’s no stop on my account & that they have not received any requests. Clearly the issue is with the bank as this has happened with at least 20 different companies but they refuse to accept responsibility or look into it further. They’ve even tried to tell me previously that it’s impossible to set up a direct debit online/over the phone which is clearly not true. It’s also become increasingly difficult to see a branch manager as they are constantly closing branches. My branch has been changed 6 times due to closures constantly getting further away. Now the only relatively local branch don’t actually have the ability to deal with anything more than basic transactions so for anything more that needs doing I have to travel into the city centre which can be difficult as someone with a disability. Reviewed on: 10th February 2019

Just ok

Alright but far from the best of the best Reviewed on: 9th February 2019

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