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HSBC Kinetic: Business account reviews

Name: Business account
Rating: 4.73 (1941 reviews)

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4.68

Based on 1,941 reviews, last reviewed 7th Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 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

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

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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 (1941)

A great banking experience

Well it could not be any simpler Reviewed on: 14th March 2023

Reply from HSBC Kinetic Hi thanks so much for your review we've worked hard to make the experience smooth and we're continuing to update the app to ensure it's the best it can be. Response date: 14th March 2023

HSBC Kinetic Bank@2022

HSBC Kinetic bank is help to us for our business goals and ambitions. And account creation is very good and protected Reviewed on: 14th March 2023

Reply from HSBC Kinetic Great to hear that you found the application fast and we hope you'll find the app and all its features useful. Thanks so much for your review we're delighted to have you and your business onboard. Response date: 14th March 2023

Smart, safe, and reliable.

I opened a business bank account with HSBC Kinetic following several unsuccessful attempts with several other banks, some of which were not forthcoming on their reasons for declining to open an account for my business. HSBC Kinetic offered the right balance of features and services that my business requires. The account opening process was smooth and I've been operating the account without any issues ever since. I recently underwent a review as part of their safeguard process to ensure that their customers are operating with a high degree of integrity. This is one example of their efforts to ensure that they are providing a safe banking environment. It's been a pleasant experience thus far and I would recommend HSBC Kinetic to any entrepreneur or small business owner, looking for a smart, safe and reliable business bank account. Reviewed on: 13th March 2023

Some of the features are not available

Recently, wanted to access the information regarding the letter of credit as was in the process of purchasing some goods from overseas, but was told that I have to call on the helpline Reviewed on: 13th March 2023

I really need to do a business *****

I really need to do a business to be able to support myself in the country, I am very happy with Hsbc bank Reviewed on: 13th March 2023

Fast service

I applied a kinetic account via phone app.. I was surprised when I see they just open my business account ia a 5 mnts...Really I was very pleased Reviewed on: 13th March 2023

Reply from HSBC Kinetic Hi Harjindarr, Welcome to HSBC Kinetic and thanks for your great review. We're delighted that you found getting an account fast and we hope you'll find the app and all it it's products and services useful to manage your business. If you haven't already done so you may wish to request your free debit card. Thanks again for your review and choosing HSBC Kinetic. Response date: 13th March 2023

User friendly

The process of setting up my business account was easy and straight forward, especially for a non tech savvy person like myself Reviewed on: 13th March 2023

Reply from HSBC Kinetic Hi Conor, Great to have you and your business on board, we're delighted to hear that you've had such a great start with HSBC Kinetic. We build Kinetic with the help of over 3,000 businesses across the UK to ensure opening and running an account is as smooth as possible. If you need us our Customer Support Team are available in the app using our Live Chat. Many thanks Response date: 13th March 2023

This App was pretty easy and quick to register

It was a wonderful experience and straight forward Reviewed on: 13th March 2023

Reply from HSBC Kinetic Hi Sophia, We're delighted to hear that you found your HSBC Kinetic account opening easy and overall a wonderful experience. We hope you'll continue to find the app useful for your business. Many thanks for your review. Response date: 17th March 2023

Service exceeeding expectations

If you want a great bank for your business, you cannot go wrong here! Reviewed on: 13th March 2023

Reply from HSBC Kinetic Thanks Ralph, We're delighted the HSBC Kinetic service is exceeding your expectations, Thanks for rating us! Response date: 17th March 2023

Easy to use, well shown overview of income and expenses, great for budgeting

I have never had any issues with the app. With the way the app has been developed it is very easy to make payments, access and download documents and checking latest transactions. The performance reports are clearly displayed with an easy understanding of the given graphs which is great for budgeting. However, some of the saved payees details duplicate even though only references vary, which creates a long and unnecessary list of duplicate payee details. Could possibly improve with a check box, when making a payment, to save payee details for later which could help with the management of the list. Overall, I would highly recommend. Reviewed on: 13th March 2023

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HSBC Kinetic: Business account reviews

100% increase in 5 star reviews

100% increase in 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 (1941)

A great banking experience

HSBC Kinetic Bank@2022

Smart, safe, and reliable.

Some of the features are not available

I really need to do a business *****

Fast service

User friendly

This App was pretty easy and quick to register

Service exceeeding expectations

Easy to use, well shown overview of income and expenses, great for budgeting

Review HSBC Kinetic: Business account now

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