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HSBC: Bank account reviews

Name: Bank account
Rating: 3.91 (1388 reviews)

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3.91

Based on 1,388 reviews, last reviewed 16th Jul 2026

78% decrease 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

excellent service, I recommend,good conditions excellent service, I recommend,good conditions Reviewed on: 16th July 2026

Latest lowest rating:

1

HSBC UK:inaccessible and non inclusive banking Thanks to smartmoneypeople email prompt to write a review about a financial product.i have chosen to write about my permanent long term HSBC UK bank a... Read more Reviewed on: 16th June 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 (1388)

Good bank, been with them for many years, wouldn’t c...

Good bank, been with them for many years, wouldn’t change to a different one. Reviewed on: 22nd January 2026

Brilliant client service

Fantastic service went out of their way to assist Reviewed on: 22nd January 2026

romance scam ignored, no investigation, no empathy

I am writing this review to warn others after an extremely distressing experience with HSBC following a confirmed long-term romance scam involving my family. Over several years my mother was emotionally manipulated and deceived by an individual who built what she believed was a genuine relationship. The scam involved repeated small payments and later escalated into larger payments based on fabricated stories, including a completely false UK visa claim. This was formally confirmed as a romance scam by Action Fraud, and a local police constable also confirmed with Immigration that no visa application had ever been made. Two other FCA-regulated financial institutions reviewed the exact same circumstances and issued full refunds after considering the evidence and vulnerability involved. HSBC refused outright. What is most concerning is how HSBC handled the situation. They only took a verbal complaint and never requested any supporting evidence, screenshots, or documentation, despite being told about: Action Fraud’s confirmation of romance scam Police verification that the visa story was fraudulent The prolonged emotional grooming and manipulation My mother’s serious health conditions and vulnerability The clear financial pattern linked to the same scammer During my most recent call I was discouraged from raising another complaint and told that it “wouldn’t change anything.” This felt dismissive and showed no understanding of the seriousness of romance fraud or its emotional impact. Even more upsetting, in December I disclosed my own disabilities and health issues and was promised a call from HSBC’s welfare / vulnerable customer team. That call never happened. For a bank to acknowledge vulnerability and then completely fail to follow through on promised support is extremely disappointing and unacceptable. Romance scams are devastating. The financial loss is only one part — the emotional harm and lack of closure are ongoing. My mother is still struggling daily to process that what she believed was real was actually exploitation, and the way HSBC handled this added further stress to an already traumatic situation. Banks may have policies, but vulnerable fraud victims deserve proper investigation, empathy and care. Based on my experience, HSBC provided none of these. I hope HSBC seriously reflects on how they treat customers facing complex scam situations, because this experience has been deeply upsetting and entirely lacking in compassion. Reviewed on: 19th January 2026

Good everyday account.

Good everyday account. User-friendly app and good in-branch functionalities and support. The email communication is also good as not spamming unnecessarily. Reviewed on: 12th January 2026

Worst customer service ever experienced,

Worst customer service ever experienced, the whole company is a nightmare, do not trust them with your money Reviewed on: 18th December 2025

Good communication and helpful customer service

Good communication and helpful customer service Reviewed on: 19th November 2025

Zero is their number.

Zero is their number. I paid out my mortgage and signed the discharge papers months ago, only to learn during the sale process that the bank still holds the title authority to MY FULLY PAID PROPERTY. What a bunch of cons. Then they lead you in circles when you try to make them transfer the title authority to your conveyancer when you have to spend hours on the phone or come in in person to claim the right to what was yours ages ago. They never tell you that they needed official instructions from me for authorisation of the title release and would’ve been happy to own the title forever if I hadn’t sold it. The phone operators are also a bunch of morons, hopeless and helpless chickens without brains who can’t even transfer a call to the right mortgage officer who handles my case. WORST BANK EVER!!!!!!!! Reviewed on: 7th November 2025

The person that attended to me was sp helpful and...

The person that attended to me was sp helpful and calm to sort out my problems and respectful Reviewed on: 15th October 2025

Terrible experience

Please please please do not open a business account with HSBC. I just started a new business and decided to open an account with HSBC. I transferred £35,000 into the account so I could pay for supplies for a job I have and to pay the salary of an engineer I have. When I tried to make a payment from my account, a message come up saying I didn't have permission for transfers. I called the helpline and basically they were useless and didn't know why (spent 1 hour and 40 minute s on the call). I then went to a branch and again the branch manager didn't have a clue but could see I couldn't use the account. Their answer was to sit me in a room and call the helpline again. After another hour on the phone, they said my account was under review and they cannot provide me with a time it will take. It could be 3 weeks or 3 months is what I got. So basically, I have paid in 35k that I need for a new business and have absolutely no way of getting it. I feel like I've been scammed and have lost the 100k job due to lack of funds to complete. I'm in the process of opening another account and if I ever get access to my 35k (I'm not sure I will) I will be moving it straight out of the account. The worst experience I've ever had and at a time you need help and support (what their website promises for new businesses). Please avoid at all costs.... Reviewed on: 3rd October 2025

Avoid HSBC. Poor customer service. They don’t listen.

Avoid HSBC. I do not normally do reviews here, but I will do so this time, as I’m considering sacking my bank after decades of loyal custom. I’m also considering putting this out there, as they need a lesson in customer service. They seem incapable of properly listening to a customer. I’ve banked with them since I was a student, and have had a credit card with them since. Last Saturday, they blocked my card without telling me. Tonight was the first opportunity I had to ring and query. They said that they messaged me via the mobile phone banking app. as they had a query over a transaction last Saturday (it was genuine). I said that I don’t use mobile banking. They said they knew, but it’s their standard way of communicating. I queried that as they’d texted me last October over a suspicious transaction. They claimed I had instructed them to cease texting me. I gave them no such transaction, and they couldn’t verify that alleged instruction. I asked for this to be escalated to a manager. The response was to invite me to visit a branch to instruct them to text me in future. They still couldn’t account for what verification they had of an instruction not to text me. They had no answer when I pointed out that a week before, they had texted me a reminder to pay my credit card bill by this coming Thursday (cheque already posted by then, and, yes, they had since received it). I’m taking a leaf out of my late grandfather’s book. If someone upsets you in business and seem disinclined to address it, blacklist them, don’t waste your money on them anymore, and go elsewhere. As my late Dad would have said, tell them to take a running jump!! Reviewed on: 30th September 2025

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