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HSBC: Bank Account reviews

Name: Bank Account
Rating: 3.76 (1258 reviews)

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3.65

Based on 1,258 reviews, last reviewed 1st Mar 2025

233% increase in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

44%

24%

11%

15%

Latest highest rating:

5

Good customer service, user freindly app and online... Good customer service, user freindly app and online service. Reviewed on: 1st March 2025

Latest lowest rating:

2

I had a very poor experience with HSBC, when I becam... I had a very poor experience with HSBC, when I became victim of a fraud and reported this. I was passed from departments to departments over 6 months ... Read more Reviewed on: 28th February 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 (1258)

Not very helpful, very basic.

They made it very difficult to get hold of them and despite them taking charges from my account after they were in the wrong, they refunded the charges but continued to take the interest! Reviewed on: 26th January 2015

The most unhelpful bank I have ever had the displeasure of communicating with.

This bank has no provision for more elderly customers who need a little help to run their accounts. Whilst my father was extremely ill he was forced to read out numbers from his debit card and answer questions even though he had answered all security questions and asked for me to assist him. After his death, we have had to contact this shambles of a bank on numerous occasions to finalise his affairs. Whilst having cause to contact customer services having been locked out of her online account, they make no provision for her difficultyin hearing and although she answered security questions and asked for me to be able to continue to explain what the problem was we were refused. All the internet helpline did was pass us back to customer services. If you like wasting your time speaking to people who have no desire to help and are reading from a script then open an account with HSBC. If you have better ways to spend your time avoid them at all costs. Rude, unhelpful and impersonal. Reviewed on: 19th January 2015

Love this bank - have banked with others but NOW have confidence in my bank

Changed banks and feel HSBC have given me confidence. They text if I'm overdrawn so I can top up account so I won't be charged. Fab service as well Reviewed on: 19th January 2015

Fair at times.

I have had ups and downs with my bank over the 15+ years I have been with them. I have had nasty hidden charges that I was unaware existed, but I have also have a small amount of compassion from the bank. I have been overdrawn on an unarranged overdraft in the past. A couple of times I have explained my situation to the bank, and they withdrew my charges. I am not entirely happy with the set up of charges of unarranged overdrafts. I have argued before that if the money is not in my bank, and I did not ask for an overdraft, why do you allow companies (direct debit for example) to take the money, then rendering my to an obscene charge of £25 for £10 over! I feel this is just a way for the bank to make money off my unfortunate circumstances and have argued with them about it in the past, begging them to not allow any money extra to be withdrawn at any time as I do not want to get into debt of any kind. On another note, i like the online banking, although the little gadget for the password is an utter pain. I have to take it with me everywhere and it's not very pretty and very easy to lose! I have had trouble trying to get a bank card after i've been travelling abroad - it has taken over a month so far and I still do not have the card. Customer service reps I have found to be hit and miss - some will do what they have said, others may tell me one thing and do another. That is frustrating. Overall my experience with HSBC has been hit and miss. They have shown compassion at times by wiping charges when I am in a tough situation, but charges I found to be misleading and unnecessary. Reviewed on: 18th January 2015

Faultless, easy & stress-free banking for the modern-day Brit

I've dabbled with various banks - holding several accounts at any one given time - and often move around using the Switch guarantee service to take advantage of any deals. The one constant account I've held is my HSBC account which I opened on my first day at secondary, had through Uni, as a post-grade, now approaching my 30th Birthday and I won't be dispensing with them anytime soon. They've adapted to my needs as an individual as I've grown through the stages of my life. I expect them to be the first port of call when I make enquiries into getting a mortgage in the coming years. By comparison, their online banking service is incomparable. Other High St. banks are really lagging behind in that department. Well done HSBC, keep-up the good work. Reviewed on: 14th January 2015

very poor customer service

had a payment go missing. Phoning up to sort it out was a headache. No one wanted to listen spent forty minutes on hold Reviewed on: 2nd January 2015

Best for online banking, terrible for help, support and will merciless hound you by phone and text. Nasty vicious attitude.

i don't rate any bank that high but HSBC reach depths other banks only dream of. Eg I broke up on Christmas Eve with my account in credit and no payments due. On the Saturday morning I am woke at 8 by HSBC Asia . I check online and find they have debited charges of £80 and then charged me another £15 for going o/d. Then hounded to pay in to cover it despite having s letter to confirm informal o/d agreed. Despite £3grand going in to this account every month, I was refused a nominal facility to avoid this because, guess what, I had already gone overdrawn. What a joke of a bank. Reviewed on: 30th December 2014

Already, room for imporvement

They pretty useless when it comes to dealing with problems. And far from being an international bank. Reviewed on: 23rd December 2014

Never any problems in 40 over years of standard banking, not always the best rates but reliable!

In over 40 years, first as Midland Bank then HSBC no problems encountered. Their banking security on line seems to me to be unbeatable with their code pad and question based system (First Direct is the same of course) Not always the best interest rates but then is it worth the hassle chasing any small gains. Reviewed on: 15th December 2014

Over the top security makes my money like it's theirs!

The approach HSBC have to security is so over the top there is a very detrimental effect to the service you receive. Moreover departments do not speak to each other so you tell the same information to different people over and over again. Issue 1). I've had my card cancelled and re-issued more times than I care to mention. The end result is a I am frequently left without access to money. The trigger is always buying something online from reputable sites. This is 2014 and online shopping should not be classed a suspicious activity. Issue 2) We were in Paris on holiday and my cards got suspended. However I'd already called HSBC the day before and told them I was heading there. I was not a security risk, it was the opposite. What could be more secure than telling them where I was going to be in the future. The end result was presents could not be bought and I spent my holiday waiting to speak to HSBC to resolve the matter. Holiday was tarnished. Issue 3) I needed to transferred a large sum the same day. I did this in person in branch with photo ID in my lunch. At 17.56 the same I got a voicemail saying they'd suspended the transfer. I called back at 18.01 and the dept was closed. It took until 9.45am the next day to resolve the matter. End result: the money did not get transferred the same day. They will not recompense me for the fee. They will not acknowledge the costs I've to bear for the money not being transferred the same day as I needed it to be. Reviewed on: 5th December 2014

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