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HSBC Kinetic (inactive company): Business account (discontinued) reviews

View other HSBC Kinetic (inactive company) products
4.69
Based on 1,942 reviews, last reviewed 24th Mar 2026
No new 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
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Latest highest rating:

5

Perfect for small businesses! Perfect for small businesses! I have had an HSBC Kinetic account for 4 years now and have found the app a breeze to use and their customer service has... Read more Reviewed on: 24th March 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.

Review HSBC Kinetic (inactive company): Business account (discontinued) now

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HSBC Kinetic (inactive company) Business account (discontinued) reviews (1942)

Fantastic for small business

5
I’m the founder of Tyler Aromatherapy and I’ve had my HSBC kinetic business account for nearly 2 years. It’s so easy to set up and use, fantastic for small businesses! Reviewed on: 7th March 2023
Ellie Tyler's avatar
Ellie Tyler

So convenient

5
A perfect blend between modern and traditional banking Reviewed on: 7th March 2023
Daniel O's avatar
Daniel O

Great customer service on the app!

5
Love banking on the app and being able to have any question answered in chat right away. Reviewed on: 7th March 2023
Marie Colvin's avatar
Marie Colvin

Complete waste of time

1
Recommended by HSBC to move to a Kinetic account. It was a faff to apply as there was no human intervention or surprisingly any consideration that I was already a business banking customer (wasn’t even asked). Then I find out there’s no switching service - brand new customers only! And to top it all they have just advised charges of £6.50 a month to maintain the account! You’d have to ask just what maintenance because all my payments (a total of 15 a month tops) are via BACS. I’m currently paying £8. So for a fantastic saving of £1.50 per a month I’ve got to tell my customers to change my payment details and, apply for a fresh overdraft facility (just in case) as that doesn’t transfer either. Net result account never used and now closed. Have since opened a Starling business account so thank you HSBC you just lost a customer of 13 years with your total ineptitude. Reviewed on: 25th January 2023
Zoe Atkinson's avatar
Zoe Atkinson

Fraud

1
Be careful when using this account. While in Turkey, I wanted to make a payment. When I put the card in the terminal, it showed the wrong amount in dollars. I did not give the pin number, but pulled out the card. When the amount was changed, I put the card back in and approved the amount with a pin code. Unfortunately, double the money has been withdrawn from my account. 700 EU-£619 and 700 dolars -£635. The first and the second amount. A few minutes later I wrote a message to the bank. Unfortunately, the bank does not care what I say. I was back at the store to ask about it. I got a daily printout from the terminal. There were only 2 transactions in the store. 1 mine and another person's second transaction. The endings of the card numbers are shown on the printout. HSBC replied that I have to sort these things in the store myself. So zero account protection. HSBC told me they accepted a payment as contactless payment of £ 635. Business account without security. People are safer to set up a "REVOLUT - account" Reviewed on: 5th October 2022
Marcin Libera's avatar
Marcin Libera

Prompt communication

5
Since opening this online account i have had no issues with live chats ,messages etc ,in fact hsbc have been very efficient Reviewed on: 19th April 2022
Cosy's avatar
Cosy

Simple and easy to set up and all online

4
Great big name bank with a simple process to set up all online. Only let down by poor customer service . Can be waiting just close to an hour and even then the department's all seem to be disjointed and your passed around or asked to call another department which can be another long wait . Not ideal in business . Reviewed on: 8th April 2022
Kamran Yunis's avatar
Kamran Yunis

AVOID wasting your time- terrible service

1
Despite banking with HSBC for 20 years I recently tried to open a kinetic sole trader account- was then told I had to re apply as I had spelt my own name wrong- utter garbage- reapplied and was then immediately REFUSED. Bear in mind HSBC has closed its Windsor branch already ( depsite cashpoint machines) and you can see why I am going elsewhere-will also close my other accounts with HSBC- you couldnt make it up- complete shambles. Reviewed on: 7th April 2022
d oleary's avatar
d oleary

Not user friendly

1
Because you have to do everything via a phone app (which is ridiculous) it is not at all user friendly, the interface with Xero is not good and it's impossible to reach a human being on the phone - you have to send every question via a message inside the app and you don't get a prompt response and half the time it's not helpful. If I didn't already have an HSBC Premier account I would cancel Kinetic and definitely go to another bank. Reviewed on: 5th April 2022
Steve M's avatar
Steve M

Fantastic services

5
Quick and easy to use and open the account with them . Very polite and understanding staff . Highly recommend Reviewed on: 5th April 2022
Gergana Dimitrova's avatar
Gergana Dimitrova

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