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HSBC: Bank account reviews

Name: Bank account
Rating: 3.78 (1349 reviews)

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3.73

Based on 1,349 reviews, last reviewed 20th Feb 2026

1150% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

46%

24%

10%

15%

Latest highest rating:

5

trustworthy, dependable bank with good incentives fo... trustworthy, dependable bank with good incentives for saving and investing Reviewed on: 20th February 2026

Latest lowest rating:

2

It’s a bank! It’s a bank! That says it all, it’s not here to help people it’s exists to keep people trapped in debt while it earns more money for those that own it Reviewed on: 23rd January 2026

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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 (1349)

The racial profiling HSBC do to people is just unbelievable

I opened my HSBC account back in 2016 when I was under 18; however, when I turned 18, they sent me a letter saying, "Now you are 18, and your bank account is growing with you", which should mean that they automatically transferred the account from a teen to an adult account. A few years later, up to today, I haven't tried to request any additional services from HSBC, however, I decided to request a credit card considering how many years I have had with them and that I wish to start building up my credit history. So I called them and asked what I should do to apply; they looked at my account and pointed me to their website, saying that the application could be done online. I filled up the application, and minutes later, I was refused a credit card. As anyone could imagine, I was shocked, considering my income and how many years I have had with them. I decided to visit the branch today and ask for more information about their decision to decline my application; at this moment, the HSBC agent discovered that when they were transferring my account from teen to adult, they did not remove some sort of a band, which usually put on teen account not allowing them to get any overdraft or credit. Bear in mind no one has notified me of this band or even said anything. When the agent realised that they had made mistakes tried to cover it up by saying that there may be other reasons for being declined, such as my personal information, continued to ask and check if I had been a UK resident long enough and if I have taxes in England which 1st sounded really discriminative second I don't think you will ask this questions an English person but because they see a woman from Europe they are racist as usual. Then he proceeded to say that my credit score may not be good enough, which is not true, considering my Experian credit score is good. This led me to call on the phone and rise a complain, so Alan picked up from customer support which then transferred me to Jijo his supervisor/manager which then transferred me to Kumar which is apparently the highest manager on the floor that I can speak to at the moment. He took the final details and said that the complain has been raised to the highest level and I should be waiting a call back. I asked to be given time frame for the call back in which he could not respond. Never the less this is the most horrible experience I had to deal with when it comes to banks, the racial profiling HSBC do to people is just unbelievable. Reviewed on: 22nd September 2023

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

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