Write a review

HSBC: Bank account reviews

Name: Bank account
Rating: 3.76 (1308 reviews)

View other HSBC products

3.67

Based on 1,308 reviews, last reviewed 6th Sep 2025

94% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

44%

24%

10%

16%

Latest highest rating:

5

With HSBC for 26 years. I've been with HSBC for 26 years and Ive never had any problems. Very good in branch and never an issue online. Reviewed on: 5th September 2025

Latest lowest rating:

1

Terrible interest rates. Terrible interest rates. Cumbersome getting tax info Reviewed on: 6th September 2025

Read all reviews Write a review

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.

Review HSBC: Bank account now

Help others make smarter decisions by sharing your own experience.

Write a review

HSBC Bank account reviews (1308)

Credit card 21.9 to 23.9 over the night

today I accidentally noticed that HSBC changed the APR from 21.9 to 23.9 on my credit card without being notified of this change, I called them and they said that they were sorry but they would notify me about the change in 60 days. the bank decided to change the APR before notifying customers, what thieves who can't get enough of earning on the backs of people who work hard Reviewed on: 8th September 2023

Life long customer but really impressed with their innovation

Recent improvements to their website and app make it just as good as the new online only banks. Reviewed on: 1st September 2023

Excellent customer service

I have been with HSBC for over 10 years. They've helped me with account issues, cleared any overdraft fees on request and helped me during financial hardship. Their staff in branch are very helpful and the customer service via the phone is great. The app is well designed and have many useful features. Reviewed on: 30th August 2023

Hsbc online banking

Online banking is so easy to use and very convenient since our loal hsbc has closed down Reviewed on: 29th August 2023

Easy online service

I can see my transactions at all hours of the day, move money, pay people, etc. I get flash cards warning about fraud and on one occasion they refused my payment because it was a scam, so very grateful for that. I had tried telephone banking but that was not good. They always ask for voice recognition that has never worked or a special number I can’t recall using. Reviewed on: 25th August 2023

Bank branches matter

I have been very happy with my brank, though my nearest branch closed in June. Told me due to lack of customers going in, even though the town is growing extremely fast. My view is having a branch is a viable statement, and gives financial value which is difficult to value, though still important. Reviewed on: 18th August 2023

HSBC embazzled my money sent via global account

I have been banking with HSBC for 13 years. Recently I opened a global account with them. I sent money to UAE bank. The intermediary bank ask HSBC more information, they did not reply them or contact me. But they kept lying to me that money was transferred, although payee never received money. This dispute is now more than month old. But neither Payee received money, nor it has been refunded back to me. When I call them, their agents are completely clueless and just say it will be refunded soon. More than a month gone but no luck. I have complained to financial ombudsmen but their response says, it can take up to 4 months. Its not a small amount. My frustration is beyong expressable. I must say, my disappointment and distress is through the roof. Reviewed on: 2nd August 2023

Feels like HSBC are stealing from my dead parents

An immediate account cancellation and transfer of funds would resolve this situation instantly. Unfortunately, these seem to be beyond the realm of capability for HSBC. Some back story context. I’ve recently lost both my parents. They owned a holiday flat in Sharm El Sheikh and took out an HSBC account to enable them to access money on their regular trips to Egypt during their retiral. Shortly after my father passed away my mother, recently diagnosed with liver cancer, visited Sharm El Sheikh in order to tie up affairs in Egypt. When visiting the HSBC branch at Sharm Azur, staff refused a 75 year old woman access to her OWN money from the joint account she shared with my deceased father. Without any money, my mother had to return home, important affairs with the house etc left unresolved. Following my mother's recent passing, I have made multiple phone calls and sent several e-mails to HSBC in the UK and Egypt advising, as executor for their estate, that my parents had died, that I wished to cancel their joint HSBC account and arrange for funds of approximately £1,200.00 to be transferred to solicitors handling the estate. On each occasion, I have been advised that my parents would need to report to the HSBC branch in Sharm El Sheikh. My DEAD parents would need to travel from Scotland to the HSBC branch in Sharm el Sheikh to sort out the administration for closing the account. After repeatedly advising that my parents had passed away, I was told that I would need to travel from Scotland to Egypt to close the account. HSBC are an international bank, promoting themselves as reputable and trustworthy. My parents chose to take out an account with HSBC to enable easy transfer and access to money when they visited Egypt during their retiral. The rude and classless way in which HSBC appear be effecting a deliberate and calculated theft from my dead parents simply beggars belief. My repeated e-mails and telephone calls clearly illustrate that I have provided HSBC in the UK and Egypt with numerous opportunities to resolve what should be a really simple issue – an account cancellation and transfer of funds. I am more than happy to visit any HSBC branch in Scotland and provide the appropriate paperwork needed (proof of ID, death certificates etc) to facilitate an immediate account cancellation and transfer of funds. Given the hand of cards that my family and I have recently endured, is that too much to ask? Reviewed on: 22nd June 2023

parthetic customer services

no not join or open an account with HSBC as thier call centres are in another country and impossible toounderstand. unless you speak thier language. opened a new account and unable to register or set up mobile or online banking. contactacted custermer services whom i was unable to understand, and whom kept sending telephone security numers constantly. of which none worked. in the end I had to open an account with a different bank. Reviewed on: 14th June 2023

Customer service is non existent !

I opened a current account with this bank I've tried to log in to my account well over a week now with no luck I've received all the security, pin codes etc but I cannot log on now they locked my registration. The simple reason is I gave them my landline number when I should have given them my mobile and I sorted it all out over the weekend with great guys in HSBC. Now my number is blocked ... such rubbish its unbelievable in this day and age untrained staff and I'm moving to another bank ... waste of time Reviewed on: 12th June 2023

Do you have a different HSBC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Classic Account
from Lloyds Bank 4.02 from 761 reviews
Everyday account
from NatWest 4.52 from 2101 reviews
Personal Current Account
from Bank of Ireland 4.15 from 13 reviews

Want to see more from HSBC?

Stocks and shares ISA
from HSBC 4.79 from 6 reviews
Home Insurance
from HSBC 4.46 from 7 reviews
Regular Saver
from HSBC 4.44 from 25 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub