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HSBC: Business Banking reviews

Name: Business Banking
Rating: 2.24 (219 reviews)

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2.24

Based on 219 reviews, last reviewed 9th Nov 2026

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

18%

12%

57%

Latest highest rating:

5

VANESSA - LINCOLN HSBC We have had a number of recent meetings with Vanessa from the Lincoln Branch. The service we received was exemplary on all occasions. Vanessa has gu... Read more Reviewed on: 21st October 2025

Latest lowest rating:

1

Absolutely disgraceful customer service, followed by... Absolutely disgraceful customer service, followed by an even worse experience with HSBC's Commercial Complaints Team. Rude, arrogant, dismissive and c... Read more Reviewed on: 9th November 2026

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About this product

There’s a range of accounts to choose from with HSBC business banking.

Options include a small business account, charitable bank account, international bank account and corporate bank account. The HSBC Small Business Growth Programme offers insights, interactive events and training in finance and digital marketing.

HSBC business banking reviews help you find out what it’s 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 Business Banking reviews (219)

Absolutely disgraceful customer service, followed by...

Absolutely disgraceful customer service, followed by an even worse experience with HSBC's Commercial Complaints Team. Rude, arrogant, dismissive and completely unwilling to listen. My original complaint was about a telephone call to HSBC Business Banking during which I was subjected to approximately 30 minutes of verification and questioning, only for the agent to hang up on me. When I called back, another HSBC representative acknowledged that the questioning and process I had been put through were unnecessary. The representative accepted that there had been an issue, offered me £50 in recognition of the poor experience, and raised a formal complaint. At that point, I thought HSBC had acknowledged the problem and was taking steps to resolve it. How wrong I was. Today, I received a call from Shalini Jolly, a Commercial Complaints Handler at HSBC. She began by informing me that she had listened to the original call and that HSBC had followed the correct process. According to her, the bank had done absolutely nothing wrong. Naturally, I questioned this, particularly as another HSBC colleague had already acknowledged problems with how my call had been handled and offered £50. When I asked why I had been subjected to unnecessary questions and verification, she told me that this had nothing to do with my complaint. ARE YOU SERIOUS? My entire complaint was about how my telephone call had been handled and the verification process I had been put through! How can a complaints handler claim that the very issue being complained about has nothing to do with the complaint? Rather than providing a reasonable explanation, I found her attitude extremely arrogant, rude and dismissive. Zero listening skills. Zero willingness to engage. Zero professionalism. The conversation was completely one-sided. In my experience, she repeatedly raised her voice, talked over me, refused to answer my questions and appeared determined to impose her own conclusion without allowing me to explain my concerns. When I continued asking reasonable questions, she threatened to terminate the call. She then told me that if I was unhappy, I could take the matter to the Financial Ombudsman Service. But what happened next was even more astonishing. I asked to speak to her manager. She refused. I asked her to raise a formal complaint about her own behaviour and the way she was handling the conversation. She refused. And then she hung up on me. Let that sink in. A person employed by HSBC to investigate customer complaints has now become the subject of a complaint herself — yet, in my experience, refused even to register it. The irony would almost be laughable if the conduct were not so concerning. I contacted HSBC expecting a professional investigation, fair treatment and an explanation of what had gone wrong. Instead, I encountered someone who, in my opinion, had already made up her mind, was unwilling to discuss the evidence and treated my questions as an inconvenience. It is particularly concerning that one HSBC colleague acknowledged problems with the process and offered compensation, while the person supposedly investigating the complaint dismissed the matter entirely. Which version of HSBC's standards are customers supposed to believe? I do not expect HSBC to agree with every complaint. However, I do expect its complaints handlers to listen, provide meaningful explanations, treat customers respectfully and allow concerns to be escalated appropriately. Listening skills: 0/5 Communication: 0/5 Professionalism: 0/5 Respect for customers: 0/5 Complaint handling: 0/5 HSBC Business Banking should seriously examine how its Commercial Complaints Team treats customers. If your complaints department cannot handle a complaint professionally, and the complaints handler becomes the complaint, something is fundamentally wrong with your customer service. One star is far too generous. Unfortunately, there is no zero-star option. Reviewed on: 9th November 2026

How poor the service is from this bank.

How poor the service is from this bank. I have had a business account for over 15 years, and never been overdrawn or missed any payment. The bank has stopped my account from paying out due to an account review, this happened over a week ago without anyone telling us, I only knew when I tried to make a payment. I gave the bank over the phone all the information that they required 3 days ago and my account is still on hold. I have spoken to them every day since and all I get is that there is a review and we can’t tell you when it will be completed. How am I meant to run a company if I can’t pay out. They have never been a great business bank but this is the last straw and now going to move to another bank. Reviewed on: 30th September 2026

The worst bank in the UK by far

I am a medium size business owner has has the unfortunate experience of banking with HSBC. They absolutely do not care about SME customers. Huge waiting times for calls, no relationship managers. It’s the worst customer service I have experienced and it’s consistently bad, and likely getting worss. Reviewed on: 5th November 2025

VANESSA - LINCOLN HSBC

We have had a number of recent meetings with Vanessa from the Lincoln Branch. The service we received was exemplary on all occasions. Vanessa has guided us through BACS payments; Transfer of house selling funds and ISA's. We are both in our seventies and have so far resisted on-line banking. Vanessa has offered to train us on use of the same and we both feel confident, given all her help and advice that we may eventually take the plunge! In the meantime please convey our thanks to Vanessa and the team and commend such an example of best practice. Reviewed on: 21st October 2025

Zero customer service

Just opened a business account (quite an ideal in itself) and just received payment of our first invoice. Very exciting. We tried to make a payment only to find HSBC have frozen our account. Apparently they are complying with their legal obligations. What does that mean for us accessing our money? Both the payee and us are UK registered companies. Of course no one from the bank has contacted us and we can not speak to a human being about why or when access to our money will be restored. Very poor service no contact and no one to speak to. Reviewed on: 9th September 2025

Lame horse of a bank

Having banked for over a decade with HSBC, I have seen fees increase, interest rates on saving fall to near zero, and absolutely no business support. Mistakes are frequent and customer service is slow and unhelpful but will always say sorry for not helping, which again, does little to help. Reviewed on: 23rd June 2025

Nervous Breakdown with HSBC

For over 50 years, I placed my trust in HSBC (formerly Midland Bank), holding four accounts with them. But in the past two years, that trust has been shattered. The frustration and struggle I have endured with their customer service have been nothing short of exhausting. For the past month, I have been trying—without success—to complete the FATCA process. Each time the form is rejected, yet no one is willing to guide my accountant on how to correct it. It feels like shouting into a void, with no real support or solutions. To make matters worse, I attempted to apply for a business loan, only to find that my only option was an impersonal online form—one that was promptly rejected, with no clarity on how to proceed. I am now desperately searching for a bank that genuinely values its customers and provides in-person assistance when needed. If you care about your time, sanity, and financial well-being, I strongly advise avoiding HSBC—unless you’re willing to endure endless frustration and disappointment. Reviewed on: 14th February 2025

Archaic, 19th century bank.

Archaic, 19th century bank. Can't do anything online without filling out forms that disappear into the ether. If anything is wrong with them, they don't speak to you. Locked out of telephone banking after mis typing my security pin by 1 digit, once. No second try. Took over a business using HSBC banking in JUNE, and now in January of the following year, I STILL don't have access to online banking. I absolutely, categorically, hate this bank. Reviewed on: 30th January 2025

erratic access to my account

I have been a customer of HSBC a Reviewed on: 17th October 2024

Been with HSBC for 46 years which means NOTHING to them

Been with HSBC for my business and private account since the age of 16 (I'm now 62) Never really gone overdrawn in all that time and never been charged for the accounts. Now just because they had to pay out millions on PPi (which I did not claim) they start charging me. Contact them requesting drop the charge for £8 per month. Sorry no was the answer. So this proves THE BIG BANKS don’t value long standing customers and loyalty, only profits. I’ve already closed my private account and soon will close Business account and my Credit card with HSBC… See ya! Reviewed on: 19th July 2024

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