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HSBC: Bank account reviews

3.67
Based on 1,306 reviews, last reviewed 31st Jul 2025
83% decrease in 5 star reviews
in the past 90 days
43% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
45%
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24%
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10%
See only 2 star reviews
6%
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15%

Latest highest rating:

4

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 ... Read more Reviewed on: 5th July 2025
Andrew Tait's avatar
Andrew Tait

Latest lowest rating:

1

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, ap... Read more Reviewed on: 31st July 2025
Clint Dogg's avatar
Clint Dogg

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 (1306)

Stranded in India!!

3
Average product with fairly reasonable overdraft service. However their customer services, particularly over the phone are very poor. Before going on a 6 month trip to India I notified them where I was going and for how long so that charges from India were to be expected and wouldn't be stopped. They assured me my card would be fine and checked that it could be used there. I like to keep control over my money by only having one card and no credit cards so took only that card and travelers checks. Lo and behold first time I went to use my card there it would not work and there was no where nearby to change my travelers cheques. I spent a small fortune calling HSBC trying to get it sorted but they were absolutely useless and the representative didn't care in the slightest that I was stranded without money even to pay for a place to stay. Ended up having to arrange for money to be wired to me periodically for the duration of my stay as card did not work for the rest of the trip! Reviewed on: 10th February 2016

A seemingly impenetrable fortress of security

5
The endless plight of the bank account holder is inhabiting the space between wanting excellent security, whilst also being able to bring to mind the myriad of passwords and memorable answers required to ensure it. With HSBC, I have to juggle separate information for each method of access, them being internet banking, telephone banking and the app. The app requires a twelve digit security code (which way round do these numbers go again?), followed by a memorable answer (How am I meant to remember what my favourite book was when I set this up ten years ago?) and then three randomly selected characters from my password (Wrong? Maybe that’s my Facebook password…). Once access is granted, I have five minutes of inactivity, usually wasted crunching numbers on my calculator, before it logs me back out, and the gruelling process begins again. Then there’s the smart key for setting up transactions, with yet another passcode to recall. Any problems, and it’s time to ring for help via telephone banking, a conversation that always begins with me spewing out every password and memorable answer I can think of, before remembering that this method of banking requires yet another completely different string of digits. Though frustrating, I’ve never had any security scares, and HSBC have always been very understanding every time I’ve rang up begging for help because I must have spelled my first pet’s name wrong when I set up. An impenetrable fortress of security soothed by great customer service. Reviewed on: 9th February 2016

HSBCouldn't Care Less

2
HSBC - a bank account and app designed for the bank and not the customer. The number of passwords and codes and different ways to access your account make it almost impossible for ANYONE to do so. Sounds good, eh? No one stealing my money! Unfortunately, 'ANYONE' includes me! It's impossible to access your own account as you get a 30 sec code and then have to which to another section of the app which takes more than 30 secs to load. God forbid you change mobile and need to move the secure code generator...just don't do it - it isn't worth the hassle I promise you. Couple this with the fact that HSBC charges you to send your own money to another account of your own in a different country. OK, I'm sure all banks do, but HSBC also give you a horrible exchange rate. It is always way lower than the current exchange rate anywhere else. HSBC - quick to take your money with both hands. Reviewed on: 8th February 2016

Just about does the job

3
After tedious negotiations with a bank clerk who did not know what currency was used in Germany, and a manager who promised me a student account then categorically failed to provide it, my bank account has settled to become marginally more convenient than stuffing the money under my mattress. Reviewed on: 4th February 2016

A dozen tiny calculators

4
Online banking makes a lot of sense. It's fast, it's easy, and you don't end up with a desk leaking scraps of receipts. What isn't so convenient is when you're a complete idiot who loses their 'online banking secure PIN' (or, as I like to call it, a tiny calculator) once a month. Thankfully HSBC has been pretty good at patiently arranging for a new one, and the staff have never mocked me. Or at least, not to my face. Reviewed on: 3rd February 2016

Great little current account

5
I've ahd this account for many mnay years now and found it to meet my needs. The online banking is easy and simple. Reviewed on: 2nd February 2016

Warm welcome at the local branch.

4
Always a smile when you enter,nothing is too much trouble, staff are very approachable to discuss various accounts. Reviewed on: 31st January 2016

basically good, no issued

4
I don't have many requirements but have had no issues. Reviewed on: 28th January 2016

They were very helpful with all my needs.

5
I had a problem where money was wrongly taken from my account. Ups on calling HSBC, I was pleasantly surprised to find they were extremely helpful and reversed the problem straight away, with excellent customer service. Reviewed on: 28th January 2016

Everything I need

4
I have banked with The Midland and now HSBC since I was 18. My family also all bank with HSBC. My family of origin also all banked with The then Midland bank. Any problems I have ever had with the bank have always been dealt with, sometimes taking a little longer to get to the right person, appropriately with a satisfactory outcome. Having banked with for 36 years there is bound to have been some problems. I am more than satisfied with my bank. The HSBC online banking is the best. I speak with many others with other banks and their banks do not offer anywhere near the same facilities as The HSBC. The services included by The HSBC that aren't offered by other banks, of people I have talked with are, pending transactions facility and to beable to tell them about holidays online to save bank visits. Overall I am very happy with my bank Reviewed on: 27th January 2016

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