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HSBC: Bank account reviews

Name: Bank account
Rating: 3.77 (1304 reviews)

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3.69

Based on 1,304 reviews, last reviewed 24th Jul 2025

81% decrease in 5 star reviews

in the past 90 days

71% decrease in 1 star reviews

in the past 90 days

44%

24%

11%

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

Latest lowest rating:

1

Totally, Seriously Unhelpful I havevan elderly housebound disabled relative who banks with HSBC. He cannot use the phone to ring out, so asked me if I could ring his bank and get ... Read more Reviewed on: 24th July 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 (1304)

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

inconvenient opening hours

I wanted to deposit an important cheque. I arrived at 09:15 and the branch was not open! It opened at 09:30! How is this beneficial to working parents!! Ridiculous!! Open from 07:00 - 09:00 and then again at 17:00 - 21:00 - or let me deposit cheques online:) Reviewed on: 28th November 2014

Poor customer service department

Had an account with HSBC moved abroad was given false info by a rep and returned to find my account closed Shoddy customer service Reviewed on: 19th November 2014

Tremendous levels of service

I have had my account for a long while - and like the level of service that they give me. They seem to be a lot better than the competition for me and wouldn't think of leaving them. Reviewed on: 7th November 2014

Gets a bad rap but ok for me - love the digital offering

The digital offering is comprehensive and simple to use. It also helps as am on the go quite a lot. I would say that calling on the phone is sometimes a bit of a pain Reviewed on: 27th October 2014

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