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HSBC Kinetic: Business account reviews

Name: Business account
Rating: 4.73 (1940 reviews)

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4.70

Based on 1,940 reviews, last reviewed 27th Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

10%

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

Latest lowest rating:

1

I am now in the process of changing my bank over bec... I am now in the process of changing my bank over because I am so fed up of not being able to access my account on my mobile. This happened to me once... Read more Reviewed on: 5th March 2025

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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.

Review HSBC Kinetic: Business account now

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HSBC Kinetic Business account reviews (1940)

Not multi user friendly

For use by one person only, unable to allow office to use due to the sessions timing out and needing to log on frequently with a code sent to my mobile - if i'm out of the office and they need access it's terrible. Especially when they need to do the books! Reviewed on: 6th June 2023

Reply from HSBC Kinetic Hi, HSBC Kinetic has been designed for sole trader or single director sole shareholder businesses and should only be used by the business owner. If you need an account which offers multi-user access for your team to do the books HSBC has a range of business current accounts which would be more suitable for your needs, they also offer app and desktop banking, you can find out more details at business.hsbc.uk. Many thanks Response date: 7th June 2023

Very efficient and convenient business account

I've been using this account for my small business for about 7 months now and I am very pleased, the app is great, everything is smooth and clear. The incentive to open the account was a very welcome thing too. Reviewed on: 1st June 2023

Reply from HSBC Kinetic Hi Victoria, Thanks so much for your review and thank you for choosing HSBC Kinetic, we're delighted to hear that you're enjoying the Kinetic experience so far and everything is running smooth as it should. Thanks again, your HSBC Kinetic Team. Response date: 2nd June 2023

Account opening welcome document requires £15

I recently opened a business account with HSBC kinetic. I could see my account number and sort code on the mobile application, but there is no PDF document or welcome pack showing my account details. Since the account was just opened, there was no statement available. I wanted the account details in a document format so that it could be uploaded to my payment partner website. When I chatted with the customer care, I was told there is no document available as kinetic is mobile banking only and asked me for £15 to confirm my bank account details. Very disappointed with the service. Reviewed on: 15th April 2023

Reply from HSBC Kinetic Hi Anish, This doesn't sound right and we'd like to take a look into this. Please contact us in the app using the 'chat to us' or call us. Many thanks Your HSBC Kinetic Team. Response date: 19th April 2023

Brilliant!!

Decided to choose HSBC for my business account after comparing with other providers. They tick all the boxes, Very simple to apply & the app is great to use. Happy customer!! Reviewed on: 7th April 2023

Reply from HSBC Kinetic We’ re thrilled that you loved your experience with HSBC Kinetic and thank you for your 5-star rating. We’re not resting on our laurels, we continually look for ways to improve our service and add even more useful features for our customers, your feedback helps us do this. Do have a look at our great products and partner offers to help you kick start your business. Thanks again Response date: 12th April 2023

Feedback

I have just started to use HSBC kinetic. I find it easy & friendly app to navigate, lots of benefits to explore. I’m really happy I joined the list of clients. Reviewed on: 6th April 2023

Superb

Everything you need for a small business. Great app. Small fees No hassle Reviewed on: 5th April 2023

Reply from HSBC Kinetic Thanks’ so much for the 5-star rating and your valuable feedback. No-hassle onboarding is a big priority for HSBC Kinetic so we’re pleased to see you had a great experience. We’re always looking to improve, so keep an eye out for new products and features. Don't forget to check out our partner’s page that have some great offers for HSBC Kinetic customers. Thanks again for your review Response date: 12th April 2023

Overall Simple safe setup

So far have found this an easy platform to se up with and enjoying each step using it Reviewed on: 5th April 2023

Reply from HSBC Kinetic We’re really pleased that you found the app easy to use and had a 5-star experience. Simplicity is a key element of the account so we’re always fine-tuning it to deliver a great experience. Make sure you explore all of our features and products to get the most out of your account. We have some great partner offers and products that may help you grow and manage your business. Many thanks for your review and rating us Response date: 12th April 2023

Quick to set up and gives decent benefits

Opened the account for diversifying risk and earning some benefits with getting higher interest rate. Reviewed on: 5th April 2023

perfect

perfect, perfect, perfect, perfect, Reviewed on: 5th April 2023

Reply from HSBC Kinetic Hi, Wow! thanks for rating us a 'perfect' ⭐⭐⭐⭐⭐ Response date: 5th April 2023

Smart and easy to use

Being a loyal customer of HSBC, I was excited to know how easy and smart the HSBC Kinetic app is when I opened my business account with them! Reviewed on: 5th April 2023

Reply from HSBC Kinetic Thanks Teresa, Welcome to HSBC Kinetic and we're delighted that you got your account fast. Great to have you and your business onboard. We hope you've ordered your debit card and started to explore the features we've designed to make business admin easy. Thanks again. Response date: 5th April 2023

Review HSBC Kinetic: Business account now

Help others make smarter decisions by sharing your own experience.

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HSBC Kinetic: Business account reviews

100% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review HSBC Kinetic: Business account now

HSBC Kinetic Business account reviews (1940)

Not multi user friendly

Very efficient and convenient business account

Account opening welcome document requires £15

Brilliant!!

Feedback

Superb

Overall Simple safe setup

Quick to set up and gives decent benefits

perfect

Smart and easy to use

Review HSBC Kinetic: Business account now

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