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HSBC: Bank account reviews

Name: Bank account
Rating: 3.76 (1312 reviews)

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3.65

Based on 1,312 reviews, last reviewed 7th Nov 2025

71% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

45%

24%

10%

16%

Latest highest rating:

5

The person that attended to me was sp helpful and... The person that attended to me was sp helpful and calm to sort out my problems and respectful Reviewed on: 15th October 2025

Latest lowest rating:

1

Zero is their number. Zero is their number. I paid out my mortgage and signed the discharge papers months ago, only to learn during the sale process that the bank still hol... Read more Reviewed on: 7th November 2025

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About this product

The HSBC bank account gives access to a range of other offers, with no monthly account fee.

With an HSBC bank account, you can apply for an HSBC Global Money Account and convert, hold or send money in 50 currencies. In the app you can freeze or unfreeze your card and get instant notifications when money goes in or out of your account.

HSBC bank 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 Bank account reviews (1312)

Zero is their number.

Zero is their number. I paid out my mortgage and signed the discharge papers months ago, only to learn during the sale process that the bank still holds the title authority to MY FULLY PAID PROPERTY. What a bunch of cons. Then they lead you in circles when you try to make them transfer the title authority to your conveyancer when you have to spend hours on the phone or come in in person to claim the right to what was yours ages ago. They never tell you that they needed official instructions from me for authorisation of the title release and would’ve been happy to own the title forever if I hadn’t sold it. The phone operators are also a bunch of morons, hopeless and helpless chickens without brains who can’t even transfer a call to the right mortgage officer who handles my case. WORST BANK EVER!!!!!!!! Reviewed on: 7th November 2025

The person that attended to me was sp helpful and...

The person that attended to me was sp helpful and calm to sort out my problems and respectful Reviewed on: 15th October 2025

Terrible experience

Please please please do not open a business account with HSBC. I just started a new business and decided to open an account with HSBC. I transferred £35,000 into the account so I could pay for supplies for a job I have and to pay the salary of an engineer I have. When I tried to make a payment from my account, a message come up saying I didn't have permission for transfers. I called the helpline and basically they were useless and didn't know why (spent 1 hour and 40 minute s on the call). I then went to a branch and again the branch manager didn't have a clue but could see I couldn't use the account. Their answer was to sit me in a room and call the helpline again. After another hour on the phone, they said my account was under review and they cannot provide me with a time it will take. It could be 3 weeks or 3 months is what I got. So basically, I have paid in 35k that I need for a new business and have absolutely no way of getting it. I feel like I've been scammed and have lost the 100k job due to lack of funds to complete. I'm in the process of opening another account and if I ever get access to my 35k (I'm not sure I will) I will be moving it straight out of the account. The worst experience I've ever had and at a time you need help and support (what their website promises for new businesses). Please avoid at all costs.... Reviewed on: 3rd October 2025

Avoid HSBC. Poor customer service. They don’t listen.

Avoid HSBC. I do not normally do reviews here, but I will do so this time, as I’m considering sacking my bank after decades of loyal custom. I’m also considering putting this out there, as they need a lesson in customer service. They seem incapable of properly listening to a customer. I’ve banked with them since I was a student, and have had a credit card with them since. Last Saturday, they blocked my card without telling me. Tonight was the first opportunity I had to ring and query. They said that they messaged me via the mobile phone banking app. as they had a query over a transaction last Saturday (it was genuine). I said that I don’t use mobile banking. They said they knew, but it’s their standard way of communicating. I queried that as they’d texted me last October over a suspicious transaction. They claimed I had instructed them to cease texting me. I gave them no such transaction, and they couldn’t verify that alleged instruction. I asked for this to be escalated to a manager. The response was to invite me to visit a branch to instruct them to text me in future. They still couldn’t account for what verification they had of an instruction not to text me. They had no answer when I pointed out that a week before, they had texted me a reminder to pay my credit card bill by this coming Thursday (cheque already posted by then, and, yes, they had since received it). I’m taking a leaf out of my late grandfather’s book. If someone upsets you in business and seem disinclined to address it, blacklist them, don’t waste your money on them anymore, and go elsewhere. As my late Dad would have said, tell them to take a running jump!! Reviewed on: 30th September 2025

Terrible interest rates.

Terrible interest rates. Cumbersome getting tax info Reviewed on: 6th September 2025

With HSBC for 26 years.

I've been with HSBC for 26 years and Ive never had any problems. Very good in branch and never an issue online. Reviewed on: 5th September 2025

DO NOT DEAL WITH THESE PEOPLE.

DO NOT DEAL WITH THESE PEOPLE. Absolutely USELESS the lot of them. Complete TIME WASTERS. I had a HSBC creditcard i paid off about 15/20 years ago, applied for a new one, completely wasted my time and didnt approve me, thats the thanks you get!. Claire Mallinson is just as USELESS as your moronic Indian call centers I had to deal with. Reviewed on: 31st July 2025

Leaving HSBC after more than 40 Years

I have had an account with HSBC since I was a teenager and for over 40 years but I am closing my current, savings and shares accounts (including those for HSBCA). I have nearly £2 million in assets and applied for a credit card with just a small £1200 limit for payment protection for a planned holiday but this was refused after a saga lasting over two weeks and much frustration. I am semi-retired and therefore work part time so my self assessment tax returns only show £12k to £16k per annum. I have never had any unathourised debts and I have always made payments to everyone on time. The only way to get in touch is by calling and dealing with eejits who can barely speak English. Time after time, they kept asking me for tax overviews when they meant the full submission/calculation. On three occasions, I clarified this only to have the word overview used again. This experience has now damaged my credit score. There are plenty of online banks out there that give a much better service and at cheaper rates e.g. transferring money to Spain (Wise) or buying shares (HL). HSBC are behind the times and customers are being impacted. Good riddance to them! Reviewed on: 30th July 2025

Totally, Seriously Unhelpful

I havevan elderly housebound disabled relative who banks with HSBC. He cannot use the phone to ring out, so asked me if I could ring his bank and get them to put a new cheque book in the post to him. You would think that would be possible but 'The computer says No'. Totally unhelpful! Reviewed on: 24th July 2025

I feel my money is secure with HSBC with the use of...

I feel my money is secure with HSBC with the use of biometrics - I particularly like the new app that has just been released. The layout is improved as is the number of actions available such as applying for new products. Some of the savings accounts have decent interest rates such as Regular Saver and Online Bonus Saver and there is a large range of investments available. On top of all that, their credit cards have a good range of offers. I find the online chat useful and can normally resolve any queries I have. Reviewed on: 5th July 2025

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