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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)

Very good service and app. With excellent products attached

The HSBC kinetic business account is very helpful for me a small business owner. As it offers an overdraft, a credit card and a small business loan. It also has good customer service and an easy to use app. However the app would benefit from having the capability to write invoices and categorise payments. Other than that it’s great. Reviewed on: 5th April 2023

Reply from HSBC Kinetic Hi David, thanks for rating us. It's great to hear that you find our app helpful, lending options useful and service 5* . Thanks for your ideas we'll ask our team to look into these. Thanks again Response date: 5th April 2023

Highly recommend

Highly recommend this bank , no problem at all with them Reviewed on: 3rd April 2023

Reply from HSBC Kinetic Hey, thanks for your we're delighted that you'd recommend HSBC Kinetic! Response date: 3rd April 2023

good service

never put me down, good customer service Reviewed on: 2nd April 2023

Reply from HSBC Kinetic Thanks for rating our customer service. If you need help you can now contact us in the app using live chat later in the evenings and Saturdays from 08:00-14:00hrs . Response date: 3rd April 2023

Fast and easy

It took me 20 minutes to open the account, did not have to go to HSBC branch to open it, it’s online just at your finger print. It was too easy for me to complete the online application and it works great. Reviewed on: 1st April 2023

Reply from HSBC Kinetic Great to hear that you got your account in a flash. HSBC Kinetic is not available in branch it's via an app which means it's super easy to download an apply wherever you are.. Delighted that you got yours in 20 mins. Response date: 3rd April 2023

Been brilliant

They have been brilliant from the start of my application to opening my business account! Reviewed on: 31st March 2023

Reply from HSBC Kinetic Hi Christian, thanks for rating us. Now that you've got your account we hope it will continue to be a brilliant companion for your business, we've lots of products, features and handy tools all designed to make business banking easier. It's great to have you and your business onboard, Welcome to HSBC Kinetic. Response date: 31st March 2023

Seamless sign up. Excellent service. I would recommend HSBC Kinetic business account !!

Seamless sign up. Excellent service. I have banked with my other high street banks in the past and never has it been that easy and speedy to open a business bank account. It literally took 5 mins! WOW! Reviewed on: 31st March 2023

Reply from HSBC Kinetic Wow, you do tap fast! We're delighted that you found the application a breeze and a cut above the rest. Thanks for your review. Response date: 31st March 2023

Best / easiest of the New Business accounts that I applied for.

Having heard from other small businesses / new businesses how long and difficult, it can be to set up a new account, I tried a few. two high streets, and two online providers. The one high street used my 10+ years of banking with them as a selling point. I am still waiting for them to respond. The online ones are also still in process. HSBC was able to pull full / fuller information from companies house, so did not need to provide a second time / verify. So much better of experience than I was expecting. Would highly recommend. T Reviewed on: 31st March 2023

Reply from HSBC Kinetic Hi T, Welcome to HSBC Kinetic, thanks for choosing us for your business banking. As you've noticed some other banks ask for a second verification - instead we collect all the information upfront in our speedy application all in the app and in minutes. Now that you have your account we hope you're getting to grips with the app, ordered your debit card and started using the account. If you need help we're here with our in-app live chat so if you need to get in touch with our team (not a robot Response date: 31st March 2023

Always, ALWAYS HSBC

I run a small business and needed my first business bank - I can’t explain how easy the process was for me to start on this journey. I have personally banked with HSBC since I was 6 years old, and now I get to build my business with them. I have total trust in HSBC to help me build my business empire! Reviewed on: 31st March 2023

Reply from HSBC Kinetic Hi Jessica, we're thrilled that you've chosen HSBC Kinetic to be your business account companion on your journey to build your business empire. We've got many features that are designed to help you get off to a good start from discounts on accounting software and access to insurance, cashflow tools to help plan ahead through to savings and lending products to help you grow all available in the app and always there when your on the go. Great to have you and your business onboard, thanks for your review. Response date: 31st March 2023

Fantastic service

Quick response and speedy help whenever needed Reviewed on: 30th March 2023

Reply from HSBC Kinetic Hi Freddie, thanks for your 5* review. We're delighted to hear that you're enjoying your HSBC Kinetic experience. and find our service speedy. Our team are here to help and we've recently extended our Customer Support so if you need help you can contact us in the app using live chat Monday to Friday between 08:00 and 20:00hrs and on Saturdays between 0800 and 14:00hrs. Thanks for choosing HSBC Kinetic Response date: 31st March 2023

Very simple to set up and use

So easy to set up and use in app. 1 years free banking after that very reasonable monthly payment. Would recommend for small businesses Reviewed on: 29th March 2023

Reply from HSBC Kinetic Thanks John, great to hear that you got up and running fast and would recommend our app. HSBC Kinetic is more than just a business bank account in an app, we provide useful tools to see your cashflow, access to partner perks, lending products that you can apply for in minutes and much more all designed to make managing your finance easier. We don't charge the monthly maintenance fee for the first 12 months and then just £6.50 per month thereafter (other fees and charges apply). We're delighted that you're enjoying the value our app provides. Thanks again for your review Response date: 30th March 2023

Review HSBC Kinetic: Business account now

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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)

Very good service and app. With excellent products attached

Highly recommend

good service

Fast and easy

Been brilliant

Seamless sign up. Excellent service. I would recommend HSBC Kinetic business account !!

Best / easiest of the New Business accounts that I applied for.

Always, ALWAYS HSBC

Fantastic service

Very simple to set up and use

Review HSBC Kinetic: Business account now

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