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HSBC Kinetic: Business account reviews

View other HSBC Kinetic products
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
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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
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.

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HSBC Kinetic Business account reviews (1941)

Easy to learn and manage your account

5
Fast to set up and amend payments, easy to manage business accounts useful information, and user-friendly. I highly recommend it. Reviewed on: 31st March 2022
Nebi Serhat Hatay's avatar
Nebi Serhat Hatay

Customer service disaster

1
I was enthusiastic to apply for such an innovative sounding account which promised so much and, on a positive note I like using a banking app with the convenience of face recognition. The online chat feature has also been useful when I've needed support with something minor. That's it really, hence one star. On the other hand I've had enough of the problems I've experienced and lack of delivery of promised or expected features. Early on after being approved for the account I changed the name of my company slightly and despite officially registering this easily with Company's House (and being of the understanding the Kinetic account was to be wholly managed online) I was told I could only do this by driving to my nearest branch (an hour round trip) to endure an unreasonably long interview (an hour) and provide relevant documentation. HSBC branch staff seemed uneducated about the Kinetic account. There have been issues with both sending and receiving international payments. On more than one occasion when paying a new supplier I have been driven to distraction by a robotic, (frankly idiotic), patronising anti-fraud department who don't have any ability to listen but just read doggedly from a script (I think the recordings of my calls are an education in how not to treat a valued customer) and then still blocked my payments after I have been assured they would go through. My time has been wasted by the lack of synchronicity with Xero and to sum up, all of these problems have interfered with my ability to offer my own clients the superior service I strive for. I have therefore opened an account with another provider for my business banking and will be closing the HSBC Kinetic account as soon as I am ready to. What a shame the whole fiasco has been. Reviewed on: 31st March 2022
David & Carolyn Houlston's avatar
David & Carolyn Houlston

Fantastic bank

5
I was told by a friend how good they are so I joined and there fantastic Reviewed on: 31st March 2022
Ian Plummer's avatar
Ian Plummer

The perfect account for my business

5
I am delighted to have opened a HSBC kinetic account for my business. As a new startup Limited company the process of setting everything up can be very daunting. The simplicity of the application process for HSBC kinetic definitely eased some of the mental pressure for me. To have a great product through such a world renowned organisation definitely gives me the confidence to take the next steps and build my company. Reviewed on: 31st March 2022
William Pugh's avatar
William Pugh

HSBC Kinetic App is simply the best!

5
Its easy to use and navigate nicely Reviewed on: 31st March 2022
Bola's avatar
Bola

Simple and Intuitive

5
The HSBC Kinetic app is simple to use and very intuitive, making it easy to manage my business finance wherever I may be. Reviewed on: 31st March 2022
Adam's avatar
Adam

A Digital First Bank

5
It's clear that with the HSBC Kinetic account, HSBC is taking a leap forward into the digital space. I'm going to break down this review into a number of different components, starting with my onboarding journey. Onboarding I was very pleasently surprised by the onboarding process. It was quick, efficent, and all handled digitally. Being a legacy player, I expected a much more involved and perhaps even clunky experience. Unlike other start-up banks that I signed up with, HSBC Kinetic didn't have a lengthy month long verification process, meaning I could service my customers quickly and effectively. Business as usual banking The general day-to-day banking with HSBC kinetic has been exactly what I wanted and expected. I didn't need any features other than the ability to send and bring in money. HSBC Kinetic has met all my business needs to date. Reviewed on: 31st March 2022
Jabar Wilson's avatar
Jabar Wilson

Super Fast & Easy

5
Very easy to set-up and arrange an overdraft and credit card at the same time. Far better than any of the other major banks to set-up an account. And they offer credit cards and overdraft unlike my previous business bank Starling. Reviewed on: 31st March 2022
Martin Goodlad's avatar
Martin Goodlad

All in all great service

4
Just switched recently from HSBC business. The support staff is extremely helpful & friendly:) Reviewed on: 31st March 2022
Jorg Strein's avatar
Jorg Strein

All in all great service

4
I just switched recently to HSBC Kinetic from HSBC Business. I find the app straight forward to use, the support staff is extremely nice & helpful, and overall I am very happy with the service HSBC Kinetic is providing Reviewed on: 31st March 2022
Jorg Strein's avatar
Jorg Strein

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