Our Smart Money People 360° Rating
Your Bank Account Reviews (610)
Constant problems & lack of branches
I have been a loyal customer for about 20 years however in recent years I’ve had a constant issue with being unable to set up direct debits. Every time I try companies contact me to inform me HSBC have rejected the DD request however when I ask HSBC t...
Read moreI have been a loyal customer for about 20 years however in recent years I’ve had a constant issue with being unable to set up direct debits. Every time I try companies contact me to inform me HSBC have rejected the DD request however when I ask HSBC they claim there’s no stop on my account & that they have not received any requests. Clearly the issue is with the bank as this has happened with at least 20 different companies but they refuse to accept responsibility or look into it further. They’ve even tried to tell me previously that it’s impossible to set up a direct debit online/over the phone which is clearly not true. It’s also become increasingly difficult to see a branch manager as they are constantly closing branches. My branch has been changed 6 times due to closures constantly getting further away. Now the only relatively local branch don’t actually have the ability to deal with anything more than basic transactions so for anything more that needs doing I have to travel into the city centre which can be difficult as someone with a disability.
Great experience
Been banking with hsbc for 11 years and never had a problem or bad experience
Excellent service
I have never had a problem with HSBC, there have been a few instances were unauthorised transactions have come out of my account and they have always sorted it for me very quickly and efficiently. Their customer service reps are always very pleasant...
Read moreI have never had a problem with HSBC, there have been a few instances were unauthorised transactions have come out of my account and they have always sorted it for me very quickly and efficiently. Their customer service reps are always very pleasant and helpful.
Very poor user experience
Online banking and mobile banking are really fiddly to use with too many different passwords. To manage my money, I have phone, online and mobile banking all with different logins, passwords etc. They must be the only bank which doesn't support...
Read more Online banking and mobile banking are really fiddly to use with too many different passwords. To manage my money, I have phone, online and mobile banking all with different logins, passwords etc. They must be the only bank which doesn't support Android fingerprint login (unless you have one of a dozen specific phones which I don't).
Last year they did a know your customer (kyc) review and despite me providing all the info requested as soon as possible, they didn't complete the review in the timescale and suspended my account for 48 hours. After 3 years of asking for only one statement for my mortgage I have given up and 12 years later I still receive 2 statements. Finally there is no counter service on Saturday morning in my local branch.
Best bank ever!
One of the key things I expect as a tech savvy user is to be able to use their services on any device with minimum clicks and maximum features. HSBC have never given me a reason to complain yet. They are like the heart of a system, if it operates very...
Read moreOne of the key things I expect as a tech savvy user is to be able to use their services on any device with minimum clicks and maximum features. HSBC have never given me a reason to complain yet. They are like the heart of a system, if it operates very well, we don't notice the heart, but even one problem and it becomes critical. Can I also add that I love that there is an option in the website to bypass the token thing. I know that's perceived as less secure, but anytime there is a transfer to an unknown payee or any change to personal details, it immediately asks for token security. This is so much better than banks who put layers of security to the point the website/app becomes unusable. Thanks HSBC, you make my life easier.
Great service
so helpful and friendly. I cannot praise them enough
Great Bank never had any problems.
I've been banking with HSBC for 15 years and in all that time I've never had a problem with them and any slight issues have always been resolved in a timely manner.
No problems but not the best rates!
I have banked with HSBC since a child. Never had any problem with them, always friendly in branch and once online banking is set up it's simple and easy to use from both phone and computer. I only haven't given it full marks as I don't think they...
Read moreI have banked with HSBC since a child. Never had any problem with them, always friendly in branch and once online banking is set up it's simple and easy to use from both phone and computer. I only haven't given it full marks as I don't think they offer as competitive rates of interest or rewards as some competitors.
No cash back on bills, etc
HSBC 's current bank account do not offer almost any benefits. Their credit card is very expensive
Student Account
I have had a wonderful experience with HSBC’s student account. The interest free overdraft of £1000 has allowed me to get on as a student with financial peace of mind. The student credit card is good too. Online banking is excellent, and the mobile ap...
Read moreI have had a wonderful experience with HSBC’s student account. The interest free overdraft of £1000 has allowed me to get on as a student with financial peace of mind. The student credit card is good too. Online banking is excellent, and the mobile app is fabulous.
Branch closures!
I have been with HSBC for twenty years and have always been very pleased with them, but unfortunately my local branch has now closed and so it is with regret that I am looking for a new bank.
