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HSBC: Bank Account reviews

Name: Bank Account
Rating: 3.75 (1226 reviews)

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3.62

Based on 1,226 reviews, last reviewed 3rd Dec 2024

50% decrease in 5 star reviews

in the past 90 days

67% increase in 1 star reviews

in the past 90 days

44%

24%

11%

15%

Latest highest rating:

4

Personal Customer Service Experience I have often received good customer service at my local branch every week. Reviewed on: 3rd December 2024

Latest lowest rating:

1

My son is a student and has an a with HSBC. My son is a student and has an account with HSBC. He has been waiting for a replacement debit card since September, now 3 months. They keep saying it ... Read more Reviewed on: 27th November 2024

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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.

HSBC Bank Account reviews (1226)

Review of the HSBC, Bank Account:

Awful

They've closed so many branches and their call centre is often busy. For some reason they've lately taken to suspending my debit card for suspicious activity every few weeks, even though my use of the card is no different from normal. I confirm mundane transactions I've made for small amounts and they lift the suspension again and can't provide me with an explanation of why the activity is deemed suspicious. They've done this twice while I've been in Norway, despite me notifying them in advance the exact days I would be there and using my debit card. I get about seven or eight pieces of junk post from them each month even though I've expressly requested they stop sending it. They've somehow "lost" two standing orders that I'd had running for ages and had set up myself online. They lied about a boost in the ISA savings rate in order to upsell me to a paid current account and admitted two months later I wasn't eligible for the higher interest rate for some nonsense loophole reason that isn't in the terms and it took me a fight to get the money back when I switched back to a free current account. They're just generally shocking really and that's before you factor in the ethical questions of some of their practices both in the UK and worldwide. Terrible, terrible bank. Reviewed on: 6th November 2018

Really bad experience and the way they treated us

Really bad experience and the way they treated us Reviewed on: 10th January 2024

..customer service

On December 24th 2023, I submitted an application online for a 1 year Fixed rate of 4.7 % on £10000. As of today I have made several phone calls to HSBC to ask why my application has NOT been processed, but is still pending, but have had no email, message or phone call to confirm why HSBC has not processed the account I applied for. Reviewed on: 3rd January 2024

Smooth customer service.

Smooth customer service. App is a bit hard to read (lots of text) Reviewed on: 3rd January 2024

Very poor telephone service very good in bank serviec

The person that I spoke to for telephone banking asked 10 questions for security I answered them all correctly as they were questions about me, but the person I spoke to had a very strong accent and could not understand my English accent? And she was difficult to understand what a waste of time she said I had answered the question incorrectly I had not she just couldn't understand English what a waste of time, I had to go into the band branch to find someone who understood English. Reviewed on: 15th December 2023

HSBC acts as typical scammer!

HSBC acts as typical scammer! It does not allow to your money online (when confirming transaction it displays “temporary service unavailable” (read : all day), ordering payment via phone, agent confirming it, money stays on my daughter’s bank account, nothing happens, payment (urgent one) not realized! She can not use her own money for paying an invoice! Reviewed on: 12th December 2023

Incompetent and uncaring organisation

I've been a business account holder with HSBC for 13 years. I have a premium HSBC personal account. 32 days ago HSBC closed one of my business accounts because they didn't have the correct ID on file. No telephone call, no email just a letter that went to our postal address. Consequently the the letter was not opened in time so HSBC took action to close the account. The safeguarding team who operate out of Malta (tax haven) have taken over 30 days to review a single piece of ID (HMRC Tax Return). My account is still closed and over five figures in cash have been taken by HSBC. The safeguarding team are lying to customers or are poorly trained (you can make your own mind up on this) and have no understanding of the damage they are causing to a successful and profitable business that contributes over six figures per year just in Corporation Tax. I would advise anybody considering an HSBC business account to abandon the idea very quickly and look at alternatives. Reviewed on: 24th October 2023

The racial profiling HSBC do to people is just unbelievable

I opened my HSBC account back in 2016 when I was under 18; however, when I turned 18, they sent me a letter saying, "Now you are 18, and your bank account is growing with you", which should mean that they automatically transferred the account from a teen to an adult account. A few years later, up to today, I haven't tried to request any additional services from HSBC, however, I decided to request a credit card considering how many years I have had with them and that I wish to start building up my credit history. So I called them and asked what I should do to apply; they looked at my account and pointed me to their website, saying that the application could be done online. I filled up the application, and minutes later, I was refused a credit card. As anyone could imagine, I was shocked, considering my income and how many years I have had with them. I decided to visit the branch today and ask for more information about their decision to decline my application; at this moment, the HSBC agent discovered that when they were transferring my account from teen to adult, they did not remove some sort of a band, which usually put on teen account not allowing them to get any overdraft or credit. Bear in mind no one has notified me of this band or even said anything. When the agent realised that they had made mistakes tried to cover it up by saying that there may be other reasons for being declined, such as my personal information, continued to ask and check if I had been a UK resident long enough and if I have taxes in England which 1st sounded really discriminative second I don't think you will ask this questions an English person but because they see a woman from Europe they are racist as usual. Then he proceeded to say that my credit score may not be good enough, which is not true, considering my Experian credit score is good. This led me to call on the phone and rise a complain, so Alan picked up from customer support which then transferred me to Jijo his supervisor/manager which then transferred me to Kumar which is apparently the highest manager on the floor that I can speak to at the moment. He took the final details and said that the complain has been raised to the highest level and I should be waiting a call back. I asked to be given time frame for the call back in which he could not respond. Never the less this is the most horrible experience I had to deal with when it comes to banks, the racial profiling HSBC do to people is just unbelievable. Reviewed on: 22nd September 2023

Credit card 21.9 to 23.9 over the night

today I accidentally noticed that HSBC changed the APR from 21.9 to 23.9 on my credit card without being notified of this change, I called them and they said that they were sorry but they would notify me about the change in 60 days. the bank decided to change the APR before notifying customers, what thieves who can't get enough of earning on the backs of people who work hard Reviewed on: 8th September 2023

Life long customer but really impressed with their innovation

Recent improvements to their website and app make it just as good as the new online only banks. Reviewed on: 1st September 2023

Excellent customer service

I have been with HSBC for over 10 years. They've helped me with account issues, cleared any overdraft fees on request and helped me during financial hardship. Their staff in branch are very helpful and the customer service via the phone is great. The app is well designed and have many useful features. Reviewed on: 30th August 2023

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