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HSBC Kinetic: Business account reviews

Name: Business account
Rating: 4.69 (1941 reviews)

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4.69

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.

HSBC Kinetic Business account reviews (1941)

Review of the HSBC Kinetic, Business account:

Everything I need for the work I carry out

HSBC doing a great job providing a great service and mobile app that meets all my business needs. Reviewed on: 8th March 2023

Reply from HSBC Kinetic Thanks for your review, great to hear that we're doing a great job and the app meets all your business needs. Response date: 9th March 2023

Great customer service on the app!

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

Complete waste of time

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

Fraud

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

Prompt communication

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

Simple and easy to set up and all online

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

AVOID wasting your time- terrible service

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

Not user friendly

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

Fantastic services

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

Has improved with time

A number of issues in the early days, not being able to log on, balances not displayed. These issues have been ironed out over time Reviewed on: 4th April 2022

excellent app

easy to use app has everything we need Reviewed on: 4th April 2022

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