Write a review

HSBC: Bank Account reviews

Name: Bank Account
Rating: 3.76 (1264 reviews)

View other HSBC products

3.67

Based on 1,264 reviews, last reviewed 11th Mar 2025

733% increase in 5 star reviews

in the past 90 days

20% decrease in 1 star reviews

in the past 90 days

44%

24%

11%

15%

Latest highest rating:

5

Excellent reminder service Will inform me of any direct debits coming up or due the next day, very helpful Reviewed on: 11th March 2025

Latest lowest rating:

2

Easy to use. Easy to use. Terrible interest rates. Secure to access. Reviewed on: 2nd March 2025

Read all reviews See your 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.

HSBC Bank Account reviews (1264)

Review of the HSBC, Bank Account:

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

ABSOLUTELY AWFUL COMPANY WHO PUT THEIR CUSTOMERS AT...

ABSOLUTELY AWFUL COMPANY WHO PUT THEIR CUSTOMERS AT RISK! I have a business account with them and have banked with them for over 4 years, I have recently moved abroad, they have locked me out of my account twice, first time was easily unlocked within minutes, the second time - ive called up to do the same (answer my 2 security questions) but this was not possible, so after hours and hours of trying to find a solutions the only one was for me to fly home to go to the bank, but as you had locked my bank booking fligts back to the UK is basically impossible... after explaining this and just being told this was the only solutions, i was told that i could go to Madrid to the branch there as it is closer and cheaper due to inter island flights. So after having to borrow money I managed to get to Madrid as i was told i could literally go in with my passport and everything would be fine. Obviously when i have got to Madrid this is a coporate building it does not deal with actual banking facilities, so after spending an additional 4 hours on the phone and explaining that you have now left me stranded in Madrid, I have no funds to get anywhere and you are expecting me to try and get back to the UK somehow, and all you are offering me to do is raise a complaint which takes 5 working days to be dealt with. You do not seem to care this is completely HSBCs fault for misinforming me as a customer and lying to me and still giving me no resolution for this.I would NEVER EVER USE this bank and I have to some how get a flight home so I can empty and close my account as I never want to bank with you again. I have used my account a lot for business and have put a large amount of money through my account and I do not expect to be treated so badly. You have even admitted you have no customer care or empathy as when I have explained my bad medical and health conditions there is still absolutely nothing you will do or are trying to do to help. Any other bank would do an emergency transfer to my personal account for £200-500 so I could atleast book a flight home for my partner and I but am just told there is absolutely nothing you can do but make me sit on the street on Madrid for 10 days until my telephone banking launch form is actioned, so you are willing to let your customer go through that is actually outrageous! When I have been able to sort my bank out and withdraw my funds I will be looking to close my account entirely, I will also be making sure that no-one I know will use your bank and I will make sure that everyone knows about my experience and how bad HSBC is as a bank, I will be taking this story to the national papers and will also be passing all this to my solicitor for this to be taken further legally to pursue as well as you have basically agreed that you have no care for my health condition and this could actually cause me to die. All communication with you has been recorded and all your lies will be made public and see how bad of a bank and how bad you treat your customers. HSBC IS THE WORST BANK POSSIBLE AND NEVER BANK WITH THEM!!!!!!!! Reviewed on: 20th September 2024

Great Bank

I've been a valued customer for many years and they've always been very helpful and friendly. They try to resolve any issues as quickly as possible. Reviewed on: 10th September 2024

Customer service has always been helpful and the onl...

Customer service has always been helpful and the online banking is simple and intuitive. Reviewed on: 10th September 2024

Unethical bank, if you can get past the login screen

Been with them on a few occasions and every time the same experience. They have the most complicated way to log into their accounts vs other banks. The names they give the codes, OTP, pins etc, vary throughout the process. So just logging in is a case of juggling 7+ different codes and passwords. No other bank seems to make it so hard to login apart from their child company FirstDirect. I had to repeatedly call them to unlock my accounts. Other than that, the bank account is average; nothing special, not even good savings rates like FD. And just like FD; the money isn't invested ethically. Reviewed on: 7th September 2024

Demanding customer but very happy to stay where I am

Moved to them 5 years ago after my previous bank deteriorated badly. Great mobile app, particularly the superb Balance after Bills feature, so you always know what you will have left over to spend, and instant notifications for security and to keep you up to date. Good website, which includes OFX and QIF transaction downloads so you can use your own personal finance software. Only had to ring them a couple of times in five years, and they answered straight away in the middle of the day and were very helpful. Rock solid reliability and dependability, with absolutely no hassles such as glitchy software, logon issues or declined debit or credit card payments that you see with other banks. Apart from the current account and credit card, I've also opened the separate Global Money Account for travelling abroad, and an Online Bonus Saver for quick easy access to extra money through the app if unexpected expenditure arises, and as a holding account until I put money into building society savings. Points for improvement include maybe bringing back the facility to send secure messages from online banking, and increasing the daily transfer limit, but these are very small beer compared to the excellent overall experience. I find their low-ish Ipsos and TrustPilot rankings puzzling, because the bank I left ranks higher with both, but HSBC have been way, way better. Highly recommended if you want hassle-free mobile and online personal banking, that just lets you get on with your life. Reviewed on: 6th September 2024

Good to know

Good service. So impressed to make the effort Reviewed on: 4th September 2024

Awful bank, I would not have recommend to anyone.

Awful bank, I would not have recommend to anyone. They sent 2k to my partners account, we got in touch with them reporting suspicious activity on BA and asking them what the money was for. We were told twice that the transaction is all ok but bank did not tell why the money was sent. After a 4 weeks, we have put the money as a deposit for a new car and two days later this bank took the 2k back, causing my partner going into 2k overdraft. Bank contacted again - they admitted this was their fault as someone from them sent the money to the wrong account. They told us there was nothing they could do about it and told my partner he could re-pay monthly, however monthly interest would be applied. Absolutely disgusting behaviour. Please avoid this bank. Reviewed on: 1st September 2024

I feel like most of my friends get a better experien...

I feel like most of my friends get a better experience from their banks, e.g a good chunk of money when they open their bank, reasonable credit, and overdrafts. My bank got rid of my student overdraft a year early. Reviewed on: 25th August 2024

App is easier to you and they are responsive

App is easier to you and they are responsive Reviewed on: 23rd August 2024

Can’t complain.

Can’t complain. Front line staff could be better trained. The local branch is electronic services. No cash services anymore. I would go to a bank like Metro if it was in town. Reviewed on: 23rd August 2024

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

Freedom Current Account
from Danske Bank UK 4.50 from 2 reviews
Standard Current Account
from Ulster Bank 3.62 from 34 reviews
Basic Account
from NatWest 4.49 from 2081 reviews

There's still more to see!

HSBC has a range of products available. Check the ratings of each product to find the right one for you. 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