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HSBC: Bank account reviews

Name: Bank account
Rating: 3.76 (1313 reviews)

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3.65

Based on 1,313 reviews, last reviewed 19th Nov 2025

67% 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:

4

Good communication and helpful customer service Good communication and helpful customer service Reviewed on: 19th November 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 (1313)

Never had an issue

I've had this bank account for almost 10 years now and I have never had a problem. Customer services have always been helpful and I've always had a quick response when applying for an overdraft. Reviewed on: 25th August 2015

Excellent customer service with HSBC

I've banked with HSBC for over 10 years now and I can't fault them. I've had experience with their student account and graduate account, both of which were brilliant. Their customer service is excellent and they are very responsive to any payment which is classed as suspicious, I've had to contact them in the past over an internet payment they were querying, but this was fixed easily and promptly. The internet banking service is great, really handy to set up standing orders and pay bills quickly and efficiently. Reviewed on: 25th August 2015

Fantastic customer service!

I've never had a problem with HSBC. I ring them, and I check my balance online, and it is always great. When someone used a clone of my card fraudulently they called me up and stopped the transactions before they went through. I have never had a fraudster gain access to my money with HSBC and when I call them my call is always answered within 1-2 minutes. Reviewed on: 25th August 2015

Great customer service

I have progressed from a student account to a graduate account and have been with HSBC for a number of years. I am primarily with them because I work abroad frequently and they really have branches everywhere! However, the highlight of my experience is from the staff at a UK branch, in Kendal. Anytime I have experienced a problem while abroad, they have worked to fix it asap and have helped me out of a number of fixes. They even give me a cup of tea whenever I pop into the branch. I really feel the customer service at the Kendal branch is fantastic. Reviewed on: 9th August 2015

A good mix of secure and simple.

Unlike many these days that seem to push endlessly towards apps for security or rely solely on passwords HSBC gives you a little keypad doodad which generates a code for you to log in with. Fortunately if the doodad breaks or gets lost you can still do basic banking, checking your balance and (I think) paying existing payees. But you can't set up new payees. To me, this is the best of both worlds. Outside of address changes (which went smoothly) I've never had to contact customer support. So can't really comment. On the other hand I've had the account for 14 years without needing to contact customer support so that says... something I suppose. Reviewed on: 9th August 2015

Thirty years with the bank but the relationship is coming to an end.

The lack of staff in branches has gradually become a real issue. The customer service by phone has always been hit and miss but the knowledgable and friendly staff in the branch were always HSBC's saving grace. With a skeleton crew manning busy banks most customers are now given a quick 'hello' from stressed meeters-and-greeters before being waved towards internet-banking terminals. Fine if you're PC-savvy but unfortunately not everyone is. Reviewed on: 9th August 2015

Good customer service when needed, but disproportionately high charges

I've been with HSBC with over 10 years now, and I've always found the customer service in branch second to none. The telephone and internet services are a little more hit and miss, but on the whole good value. However, the charges placed for unauthorised overdraft/bounced direct debits are disproportionately high, and there is sometimes too much red tape - I've been unable to remove a student marker from my account since leaving university seven years ago, because no one I speak to seems able to do it. Reviewed on: 9th August 2015

Un rewarding

There customer service is fine. But the interest rates are next to nothing with no incentives at all. Reviewed on: 9th August 2015

No benefit to banking with them

I've been with HSBC for years but am seriously considering switching. So many other banks offer incentives for switching but HSBC offer nothing for staying. Interest rates are poor and it's a nightmare if you want to speak to someone - ring them up and you're put on hold before speaking to someone based on the other side of the world, go into a branch and it's filled with machines with no staff to be seen! Reviewed on: 9th August 2015

great experience with HSBC

Always been with HSBC very helpful and give great advice, someone is always willing to help you when you have a problem Reviewed on: 7th May 2015

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