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HSBC: Bank account reviews

Name: Bank account
Rating: 3.76 (1378 reviews)

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3.76

Based on 1,378 reviews, last reviewed 25th Apr 2026

5% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

24%

10%

15%

Latest highest rating:

5

Overview of HSBC Bank Account HSBC supports customers with financial guidance and help when needed, such as offering tools to manage money, budgeting support, and assistance for th... Read more Reviewed on: 25th April 2026

Latest lowest rating:

1

No reward for loyalty Had an hsbc bank account for 37 years. Have a large amount of money in most of the time. I have never received a perk or any kind of incentive to stay... Read more Reviewed on: 16th April 2026

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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 (1378)

Very flexible

Internet messaging service with prompt responses; flexible overdraft; and quick response times. Reviewed on: 14th November 2016

OK Bank

Not too bad as High Street banks go, I suppose. Reviewed on: 14th November 2016

always helpful and approachable

My local branches are friendly and efficient and I have always had good service Reviewed on: 14th November 2016

Painful experience with overseas transfer

It has been very painful experience about overseas transfer with HSBC Bank UK. Forget about recommending Bank to anyone I will rather request that those already associated with Bank please have a look with other options available with other more friendly Banks. Reviewed on: 4th November 2016

closed a newly opened account for £6.31 and cost me

I had never been contacted by HSBC, I had a newly opened basic account and HSBC closed it within 3 month. When i opened the account I ticked the method of communication by phone and email. the basic account has no overdraft and for some reason HSBC authiorsed a transaction which meant the account was overdrawn and because no one at hsbc notified me they closed the account. knock on effect, cant get my salary paid or pay my lenders. I called the customer service team, first time i got cut off, second time i managed to speak to a supervisor who was having an argument with me instead of trying to help me and resolve the issue. this by far is the worst bank i have ever come across. i am taking this to the FSCS and an official complaint with HSBC Reviewed on: 28th October 2016

RUINING LIVES SINCE 1865

I am currently waiting for them to review the validity of a default that appeared on my account, but it took about 8 phone calls to independent legal advisors to find a method of contacting the correct department, as anyone I called at HSBC would outright refuse to give me the information that it is my right to receive... AFTER 15 YEARS I HAVE COME TO EXPECT NOTHING LESS FROM HSBC They will attempt to manipulate you and discourage you from gaining any information from them, in almost every scenario you could imagine. I recommend anyone having issues they deem legally dubious to go straight to the FCA or Financial Ombudsman for advice on how to communicate with them regarding the issue. As I wait for HSBC to form some ebb of moral compass and respond to me , my offer on my first home and my mortgage has fallen through... *AVOID* *AVOID* *AVOID* #mindblown #customerdisservice #ruininglivessince1865 Reviewed on: 25th October 2016

Nice service but poor product

Friendly staff but the benefits aren't worth the hassle Reviewed on: 27th September 2016

Bars

Perfect to do transfers no matter what country you choose. :)) Reviewed on: 27th September 2016

Don't go near to them

The way HSBC conducts its business is an absolute joke. On the 7th July I applied online to open an HSBC Advance Bank Account. The application went smoothly but in the end a message appeared that it needed to be reviewed first by an agent. No confirmation e-mail or letters received so on 11th I had a chat session to inquire about the status of my application. They told me that they were unable to provide any information by chat. So I phoned them, waited more than 35 minutes before I had anyone to talk to. I was told on the phone that I was going to receive a letter by post. The letter finally arrived on 13th, requesting showing my payslips for the last 4 months OR the most recent P60 at a branch. I took both payslips and P60 immediately to the local branch (Allerton, Liverpool). Just as well as the girl in the branch said she needed both (the letter clearly stated either - or). She copied them and promised to take care of the rest. I also mentioned that I would be on holidays so all additional correspondence should be by e-mail. She said she was going to make a note of it. I did not hear anything from them by e-mail, and when I came home to my great surprise there was no letter at all informing me about my application. So on the 2nd August I phoned them again. After 40 minutes waiting I got an agent on the phone who told me that they had not received my payslips nor my P60. Apparently these were lost somewhere between the local branch and the central administration. So he asked me (!) to call the local branch, for which he gave the number 08455 835 046, to see where the document was lost. Just after hanging up I realized that this was an expensive number and was stricken by the fact that I, as a potential client, was asked to investigate a break down in their own internal communication. So I rang them back once again asking for a land line number for the branch, if they really want me to do their job. After another 40 minutes waiting I finally got someone on the line who told me it was impossible to call local branches but I needed to provide the information in paper form they were asking to the local branch. She simply could not get it that I already had done it a fortnight earlier and she was clearly not willing to listen what I had to say. All of a sudden I was cut off. Then I had enough of it. If this is the way they treat potential new clients, what is the lot of those who are already with them? No thanks, no matter how attractive some of their products can be, I will never again think of becoming the client of this utterly incompetent bank. I am now only worried how they treat my personal information if important documents can get lost so easily in their systems. Reviewed on: 13th September 2016

HSBC great reliable service top notch

I called HSBC to change my overdraft limit, their 24/7 customer support line made it easier to contact them at any time. The call was answered swiftly by a Representative who changed my overdraft limit within minutes. I am highly satisfied by this great customer service, no waiting on the line or long security process. Highly recommended! Reviewed on: 8th September 2016

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