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HSBC Kinetic: Business account reviews

View other HSBC Kinetic products
4.69
Based on 1,941 reviews, last reviewed 7th Feb 2026
100% increase in 5 star reviews
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Latest highest rating:

5

Best account for small businesses. I have had an HSBC Kinetic account for 4 years now and my experience has been great. Firstly there are no fees! The overdraft facility is easy to set ... Read more Reviewed on: 27th January 2026
Victoria S's avatar
Victoria S

Latest lowest rating:

1

Non-existent weekend support I called HSBC for help on a Saturday as was having issues downloading my transactions. They told me to reinstall the app. I did this but then was lock... Read more Reviewed on: 7th February 2026
Rebecca J's avatar
Rebecca J
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About this product

The HSBC Kinetic Current Account is for business customers.

The account is for sole traders or single director shareholder businesses. There’s no monthly account fee and you get free UK digital banking. The HSBC Kinetic account also includes a monthly cashflow outlook and categorised spending tools.

HSBC Kinetic Current 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 Kinetic Business account reviews (1941)

Really efficient application process and good value proposition

4
It was a really easy to open the bank account with HSBC Kinetic and was able too start working with the service straight away. The product comes with an option to apply for finance but no hard sell. The chat function was helpful and swift on both occasions I have had to use it. My only suggestion for improvement would be to accelerate the process for linking to quickbooks as the lack of that linkage makes my accounting processes less efficient than they otherwise would be. Reviewed on: 11th March 2022
Nigel Batley's avatar
Nigel Batley

Easy access

4
Its bank that I can feeling safe. Reviewed on: 11th March 2022
Marcin Kumorek's avatar
Marcin Kumorek

A tragedy of titanic proportions

1
It’s the reason why airplanes have pilots, when things go wrong, you need a human to help and while Kinetic is a fine product in smooth air, the customer service hours and resourcing is truly shocking and negatively impacted the operations of my business. I simply can’t afford to be locked out for days caught in a viscous loop of undertrained staff. Start spreading the news, I’m leaving today. Reviewed on: 11th March 2022
George's avatar
George

Clear easy to follow banking

4
Good value business banking. Clear statements with multi functionality for payments Reviewed on: 11th March 2022
gazza's avatar
gazza

Brilliant service

5
It was super easy and fast to open my business account. The process is simple and easy to follow. Reviewed on: 11th March 2022
Anonymous's avatar
Anonymous

HSBC without the old way of working

5
The only way that I can describe HSBC Kinetics is this... It is as if the CEO came in to work and Said, Starling Bank has a brilliant banking format. I want it. Then he set on a group of business consultants to design, develop & build. I then would say that someone who wasn't familiar with a system build or a project plan forced the apps release with a smaller than planned functionality. They then decided to release features slowly and presumably annoying potential customers. The twist in the story is the app however limited by HSBC's standard, longwinded and sometimes pointless process, actually works. Credit card & overdraft applications are an actual breeze! Small business loans are still passed over to HSBC for a 60min application.... but if the plan is to find a bank that is digital with a human touch, it is kind of on the right track. The single worst thing is only being able to have one account per device. I have two accounts and a normal HSBC Business account.... doesn't make my account management easy. The best thing is the simplistic UI along with easier application process for ODs and CCs (compared to standard HSBC Buisness) Its a good account, needs a little more care and attention to detail but works for me and it works well. Reviewed on: 11th March 2022
Alex Fellows's avatar
Alex Fellows

Modern Banking for Modern People

5
It was like HSBC Kinetic was the missing piece of the developing my business strategy puzzle. Easy to set up and works like a dream. Reviewed on: 11th March 2022
Chris Stuart's avatar
Chris Stuart

First time business account

5
First of all would just like to say the communication is second to none. As a first time business owner HSBC have helped me along the way and the account app is so simple to use and understand. Reviewed on: 11th March 2022
Jordan Carter's avatar
Jordan Carter

Dogs and Fairy Tales

5
I have been banking with HSBC for over twenty years and when I decided to start my own business, I wanted to partner with a bank that offered free business banking. I searched online looking for the best deals available and HSBC Kinetic Business Account was at the top of the list. I registered and the process was quick, easy and my account was open within forty-five minutes from applying to receiving. My Kinetic Business Account also helps in preparing my annual tax returns, thus making it easier for my accountant and me. Reviewed on: 11th March 2022
Hayey Boughen's avatar
Hayey Boughen

Business starter

4
As I've joined HSBC Kinetic from very beginning, there was a lot under development, but they are going the right direction. Reviewed on: 11th March 2022
Edward Machrov's avatar
Edward Machrov

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