Hsbc reviews

Hsbc reviews

Very low
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from 0 - 10
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THE WORST! I've been a customer for 13 yrs and the recent experiences have been more than disconcerting and they will still not do anything to help solve the problem.

1. I went to the branch I knew and to my surprise is closed.
2. I googled another branch local number and I got forwarded to the same useless automated answering voice machine.
3. I literally had to take a taxi through out the city to find a branch.
4. I find a branch and when I explained that the phone number in the back of my HSBC credit card does not work, I am told there is nothing (NOTHING) the branch can do and that I just have to knock myself out continuing to call the number I've been dialing fro over a month trying to speak to someone to no avail.
5. I filed a written complaint on their website 3 weeks ago and the problem has not been fixed.
6. I tried calling the collect call "out of country" number and I also get hanged up on that one after dialing the full account number, social security and all information asked only to get the call disconnect on its own before even getting to a representative.
7. I tried calling the HSBC debit card number and after 20 minute wait time, I explained my problem, I ask them to please report the phone number troubleshoot and I ask that they help me and to please not to place me on the automated voice again and it hangs up. And what does the rep do? he connects me back to the automated machine that hangs up!
8. I go to another branch, explain my problem. They mark a phone for me from the branch and I wait 30 minutes before I get to talk to someone. I explain that I have been trying to reach someone for over a month, that I have been at the hospital, that I've had to medical emergencies and literally just got out of the hospital last Friday. Only to have the rep tell me I have to give him $1000. today. Seriously? I tell him that I am calling to discuss the programs that they may have and ask that some of the penalties be revoked considering they have been unreachable and the guy proceeds to give me the "recorder option" answer of saying the same helpless answer over and over and over again no matter how I re-frame the problem.
9. And then when I finally speak to a supervisor and a solution emerges, the phone gets passed to customer service again and we are back in square one.

Very saddened by this unnerving experience. They are speedily loosing my trust.
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Great Bank for Business (with No Borrowing)

Just about to complete my second year as a business customer with HSBC, and I have found their service more than acceptable. The branches are plentiful in my area, and the staff are very easy to deal with. Cash withdrawals are easy and the downloadable PDF statements and manual transaction data exports work flawlessly.

There are a few negatives. Charges for cash deposits are a bit of a joke, and use of cashpoints to withdraw cash can be pricey, but as my company is Limited and does most of its business online, that is not such a big deal.

The account can allegedly be synced with my Freeagent accounting software, but I've never got this to work satisfactorily and I have reasonable IT skills.

The security required to log in, by using a password-generating keyring widget can be a bit irritating, but if it makes my account more secure then I am happy to put up with it.

I don't use an overdraft or borrow from HSBC for business, I don't have a chequebook and I gave back their business credit card, but if your company just wants a simple, easy-to-use banking service with good personal service, ample branches available and handy extras on the side like electronic cheque lodgements, then HSBC is a bank I would recommend.
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They still give me headaches..

I opened up a Passport Account last year because I'm from the Netherlands and no other bank would take me. This is a more basic than basic account, but you pay £8 a month. I do understand this as they need English proofs of address (utility bills) but in order to get those I needed an English bank account. Now, HSBC wanted to take me as a customer. I was happy to finally have a place to put my salary in. But what a nightmare it was..

I opened up the account at my first appointment. The lady was nice, but apparently not very knowledgable. I gave her a pay slip, my passport and my Dutch proof of address. All good, account opened, I got my pin and card about 2 weeks later. I activated it, and guess what. Card blocked. So I had 2 months worth of salary on that account, and I couldn't access it. Went back, saying my card didn't work. Apparently the needed another proof of employment (I already gave them a sodding payslip) and another type of ID. It's embarassing to ask your boss to write the bank a letter proofing I've got a job. Luckily I also had an ID card, which was thankfully accepted as it's accepted nowhere in England.

It took them 2 weeks to reopen my account, after I called them to ask if they finally fixed it.

Customer service over the phone is alright, I think, but their accents are all pretty much untranslatable. I had to give them my email address, which I spelled out really clear, using the English phonetic alphabet, and they still got it wrong. I later found out that it was completely different from what I was saying to them.

Also, my card gets blocked all the time, sometimes from online shopping, but even from a simple visit to Sainsburys or Co-op (where I go every day anyway). But when I went abroad a couple of weeks ago and forgot to notify HSBC my card was still working when I got back in England. Right.

I've got an appointment standing to open up a current account with a building society, where I've already got a joined account with my partner.
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Excellent Service.

I have been banking with them over the last 10 weeks and i must admit that there are one of the best banks i have ever dealt with. Great customer service and always making sure that you are satisfied with the level of service you received. I really do not understand why there are so many negative feedback.
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The worst bank out there

I've been trying to open a student account in HSBC bank since my parents already had their accounts with them.

The first problem that occured is that they needed proof of my address and didnt want to accept anything but tax bills. As a full time student I dont work and dont pay any tax bills so it was stupid to ask my parents to put me on a tax bill.

Eventually I was able to proof my address when I got my UCAS letter. The bad things started to happen from that point.

They called me to come to one of their branches and interviewed me there for more than an hours, asking stuoind or too private questions. For instance they started asking how much money exactly my parents intend to put to my account each month and each year. Honestly, how should I know? It's not like I am getting a salary. Then thay asked if I had any property abroad and how much it costs (why is this even televant to my student account?!).

Eventually, they said that they have to send my details somewhere and I have to wait for an answer. After around 2 weeks I got I rejection to open studen account. It happened because I said that I probalby will be getting some money from Russia from my father...and they said that they will only consider opening my account only if I provide all financial information about my father (with who I dont even live together).

As someone already said here they treat you like a criminal and make lots of problems for you. And they want to know everything about your finances. Honestly what if a lover is going to put money on my account???!!!

Moreover, on the day that I went to the branch there was a scandal because some woman had 2000 pounds on her HSBC account and suddendly they dissapeard due to some mistake that HSBC made (or maybe they stole it, I dont know) and HSBC didnt even want to do anything about it.

So I strongly advice anyone not to go there
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Treat people like common criminals

They have treated me like some thief twice already even though I never had overdrafts, loans or mortgages with them. They refused to offer me a student account because of 'bad banking conduct' to which I replied in shock and the advisor simply said to me 'Oh don't pretend you don't know' Apparently it was about a direct debit which caused me to go £3 in overdraft, which they initially said to me would be impossible as I had no available overdraft. While on a gap year I had two direct debits bounce after which I got back in touch with them to reinstate the direct debit of my phone contract. I specifically told them enough money was in the account and that they should not close my account. The customer services representative told me that everything was ok and that they were not going to close my account. Two months later in Brazil, my bank account had been closed! With a remaining balance of £90 in my account! They simply don't care, if you're not rich, they don't want you. Now I tried to open an account again, and they refused to offer me anything, as if I had stolen money from them. Good riddance!!
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The WORST Customer Service EVER!!!!

HSBC has by far the worst customer service I have ever experienced. After keeping me on hold for over an hour a am greeted by an incompetent service rep. who clearly has no idea what he is doing. I could not be happier that I switched all my banking to Chase. Do NOT bank with HSBC!!!!!
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Disgusted with HSBC bank services

This is the worst bank in entire India ,.... I am highly disgusted by their services...
There is like endless things .....

1) Once I lost my wallet ... I had like 5 cards of different banks ... For rest of the banks, It took me 10 mins to stop transactions ... With HSBC , they took an hr .. thank god ... there were no transactions on my account ... otherwise I would have sued the bank...

2) It was a pain getting a new card issued from the bank ... If it would have not been my salary account , I would have closed it long time back ...

3) They never send me bank statement or message on debits despite my calling up 1000 times and asking for the same.

4 ) Now they sent a new card bcoz they want to increase security and all ..... I nvr received msg from the bank ... got a call from courier company .... I was little shocked ... I nvr asked for card ..... As per courier guy, I was not at my place ... so it went back to hsbc banl ...then I called up bank 10 times to ask where the card is right now .... No response ....waited for 15 times every time (please note their number is not toll free like other banks)
I sent an email .... telling complaints .... no one cared to call back ....

I am highly disappointed with the services... Never open an account with HSBC .... its not customer service .... but customer harrassment ....
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Only for their own people

Can I just start by saying I bank with Barclays, always have and I have never ever faulted them with anything, their actually amazing compared to HSBC.

So I've been looking into loans as I'm wanting to have surgery, and i found online that HSBC do the best deal with their interest rates, however Barclays will match ANY other quote and then give you £50. Great! I was told by my Barclays advisor in personal banking that all I need to do is pop into HSBC and get them to print out the online quote for me, bring it back then it's mine. Well.. It wasn't that easy.
After searching for a branch in the pouring rain in busy Manchester city centre I finally find a branch, I was relieved after being soaked. I walked in expecting to see friendly faces like in Barclays but oh no. There was no one stood around to help! I had no idea where to go when finally I caught eye contact with an elderly advisor across the room, she looked grumpy to say the least. I asked her if there was someone I could speak to and all I literally got back was 'no'. What!!!! How rude!! When I asked why I got told in a snotty voice 'there's no one free to see you at all today, make an appointment next time' I couldn't believe it!! I told her all I needed was someone to print out the online quote for me, something she could of done herself! And still I got a no. I couldn't believe how rude she was and I has to cancel my appointment to go back to see Barclays. Infanct you don't NEED an appointment to see someone in Barclays that's what's so shocking about HSBC!!!! So I went outside and googled for another near branch and thought I'd ring first to make sure, only to find they straight away ask for your HSBC card number to be entered...what the hell!?!? Then when I did nothing it didn't even put me through to the branch it put me through to Scotland!! And he wanted to set up a current account with me before i speak to someone which I refuse to do, why should I? I told the man (nearly on the verge of going crazy) that all I need is a quote, and after all my efforts he turned around and said 'no sorry, we won't quote you without having a current account'
I was angry.

Sad thing is if I went in, sat down and spoke to someone nice who told me this in the first place, I may have actually switched to HSBC current account to get the loan!!!
So glad i didn't, especially after reading these reviews.

All I can say is go to Barclays. They look after you and are smiley and you can go in and speak to someone in personal banking anytime!
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HSBC Mortgage NIGHTMARE!

One year later, two lost houses later, £££ in wasted phone calls and recorded delivery costs the underwriter finally contacted me yesterday to tell me the decision in principle issued by HSBC was wrong (delivered in a manner suggesting this error is somehow my fault) all couched in extremely xenophobic terms. If your name sounds 'foreign' (their words, not mine) walk away. Now, I'm told my original documents are lost by the bank (again as though this is somehow my fault). The bank will abuse you in every way possible save for actual physical assault. For goodness sake, don't waste your time, energy and goodwill. Banks are bad, but not this bad. We were only applying for 36% LTV as Premier customers and still untold misery ensued.....Oh and by the way, don't bother writing to the MD/CEO as his department doesn't bother responding to correspondence. Is First Direct really a subsidiary of HSBC? How can it be any better. Notwithstanding those rave reviews and tempting switching fees, I will never touch an HSBC related company again. If there was a zero star option that would have been generous.
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Students....steer clear!

I first joined HSBC when I started High School as they had a scheme where they were trying to introduce us to banking. I wish I hadn't bothered.

Since starting University I have had countless incidents with this bank and considering I am on a "Student Account" I am convinced some of these things shouldn't have occurred. So, when asked if I needed an overdraft I said yes, presuming the bank was there to help me through, what is of course, a tough three years money-wise. Like most students I have to pay rent and bills as well as trying to support myself, whilst on a part-time wage, I didn't want to ask my parents as I saw this was a time to prove myself and begin to look after myself. Well finding out I was going to fall short on my rent HSBC refused to let me extend my overdraft! I wasn't over it either or at my limit, I still had at least £600 I should of been allowed to extend it by. Not only that but then I was lectured by someone who was very hard to hear and understand on a phone about my credit rating! This is the last thing I need to think about when I'm struggling to buy food! I have also researched that students shouldn't receive credit rating whilst still in full-time education.

The service is very poor, they harass you with calls and stupid times and when you do answer them the people are not helpful in the slightest. Especially with this being a student account I expected a lot more help but instead I am allowed to go over my overdraft and I am then charged! How is this fair and right? The whole point of an overdraft is so you can't exceed that particular amount! Its a huge scam and if you are a student or anyone for that matter....avoid this bank at all costs, they are unreliable, rude and 100% detached from their client. They should enquire about that persons life, not in an intruding way but in a way that could shape their account needs around them. This is the worse bank I have ever experienced and judging by the other reviews I am not the only one that thinks this! I have now started an account with another bank and already I am beginning to realise how truly terrible HSBC are.
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WORST EXPIERIENCE EVER!!!!!

I could have died, because of hsbc!!!!
2 weeks, before our trip to USA, me&my boyfriend went to our branch and told them, that we are going abroad. Lady from hsbc told me, that there`s really cheap shoes and clothes, so i took a credit card.
If not the credit card - we really would have died there, we been in the middle of the desert, and - TADAAAA - our bank accounts are closed. WHAT THE HELL ????? nobody even called us!!!!!!!! I tried to get in touch with my bank, but i couldn`t, i tried every single phone number!! finally, when i contact them thru e-mail, they call back, and despite the fact, that i answered everything about me, my address and explained a situation, that i can`t even top up, because of that FU*KING BANK, but all they said - you need to answer a number of questions, so we know.. and then my credit ended.
When we got back home, our branch just told us - oh, sorry. that`s unusual.
!!!!! i was (and still am) really, really upset. HOW THE HELL THAT HAPPEN?!!! They don`t care about people at all!!!!!!!!!!!!!!!!!!
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The world's local bank. That's true!

Blocking cards when trying to use them abroad, if you haven't given them their travel plans. Very xenophobic - World's *local* bank.

But that applies to all UK banks. I'll stick to my cards from my home country for travel.
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Worst service ever in three countries

It has taken me over 8 weeks to open a basic account with HSBC, in spite of them telling me that I was able to do so with no problem. They have sent things to the incorrect address, lied to me about what was going on with my application, haven't given me the correct information at any time and I have spent at least 8 hours total on the phone with them trying to get access to just one basic bank account.

They lost the paperwork twice, in spite of having reference numbers all over it and I had to go back into a branch and fill out everything all over again. Then absolutely nothing got done for 2 more weeks until I phoned and asked them. It was just sitting there unprocessed apparently.

I had to leave the country before they sent out the token used to access my account online, so they promised they would send it to a home address so my friend could send it on to me. Instead, I phone them again weeks later to find out they sent it to the branch and were expecting me to go and pick it up. In spite of repeated requests, they then sent it to the branch again. So I still cannot access my own account online, after 8 weeks of being lied to and given the run around.

Every single thing they have promised to do has not been done. They then treat you like you should be grateful every time you phone and have to wait 20 minutes to speak to someone and each individual person believes they are 'helping you out' to some extreme degree when it is their JOB to actually get this stuff done.

Would I ever use HSBC again? Not on your life.

I'm Australian, I do business in 3 major countries and I have never had such a poor customer service experience with any bank.
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Untrustworthy scammers

Having been a business customer of this "bank" for ten years the service has now deteriorated to the point where we simply have to switch banks or go under. Whilst branch counter staff attempt to be helpful, the chain of command defeats all their efforts. Setting up new accounts take for ever. Closing old accounts can be a lottery which has to be attempted several times to get it right. Ever eager to supply credit cards, these often fail to work, resulting in tedious phone calls to their useless overseas call centre.

No bank is perfect. HSBC however scores a perfect zero. A shame trustpilot forced me to award a single star, which they do not deserve.
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Use any bank except HSBC

Now, time for a rant about HSBC. For those of us who have accounts with these guys, I lend my sympathy. For anyone who does not have an account with them, don't. There has been a long litany of trying to get them to do something that I won't go into now, but the latest is beyond belief. The bank has instituted this security device thing that you need to do certain on-line transactions, like wire transfers, etc. I have one of these for Sri Lanka, but each country has its own. So I order one for Canada. They assure me that it will be sent by courier. That was exactly one month ago, and still no device.

After 3 weeks, I phone them only to find out that the computer did not make the request because my address is outside of Canada. Of course, no follow up by the bank. Nothing would have been done if I had not called again. This time, they assure me that the thing will reach me in a few days by express courier. One week later, and still nothing.

I call again. This time, I am ready to rip someone's throat out. They don't know anything again. I ask to speak to a supervisor. There are none on duty. Then through the conversation and reference to times of day, I discover that although I am calling a number I think is in Toronto, I actually have someone in Malaysia. I demand to speak to a Canadian agent, who eventually calls me back after an hour. She is very polite, but knows nothing either. She is trying to get the tracking number which as I write, she still has not succeeded in doing.

In desperation, I emailed the branch in Nanaimo where I hold my account. They were very helpful and said they would send out a device immediately, but who know when that will arrive. Meanwhile, here I sit unable to do the banking I need. It was easier 30 years ago, when all you had do was send a fax.

They call this a global banking system. They should be ashamed.
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Where are they when you need them?

I've been banking with this company over 10 years. I have a good job, but due to the fact that my husband lost his business during financial crisis, we started to experience some money constraints.
Both of us have secure jobs and needed a loan to support my studies. HSBC totally refused me, despite the fact that my repayments after paying off the previous loan are going to be £30 a month more.
Two years ago they showered us with letter offering anything we want and now- totally opposite. Interesting, the banks kill the economy, get taxpayers money and punish us for not being able to meet their standards. What about meeting ours?
Disgusting.
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Poor customer service

I've been with HSBC for a while and really never needed anything, I was premier account.
The customer service is barely understandable and unuseful.
When I call to advise about traveling, in order to use my debit and credit card (I call both, bank and credit card c.s.) the cards never work and have to call again.
Today I saw a weird movement in my account and after the long process through the automatic voice mail, I ended up to talk to a heavy indian accent guy who told me to call again tomorrow because he doesn't know the reason.
Frustrating and over all poor service for an over charging bank.
Will bring my business somewhere else
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grate

I think there a nice branch and help full barclays are shit my branch in islington are nice in angel especially Chelsea one of the lovelyest employees ever
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Totally useless & incompetent

I have accounts at Natwest (excellent) and Barclays (not bad, but it's just an online savings account so my needs are minimal). My wife and I decided to open a household account and mortgage at HSBC because of their reputation and their global presence. A huge mistake!
We were given a Premier account because of our mortgage and salaries, and we were therefore expecting special treatment - another mistake.
Customer service is very poor. The branches are designed to feel like shops, with music playing and staff standing around. Sadly most of these staff are useless and generally unable to actually do anything for you. In most small branches there is no distinction made for premier customers, so my view is that there's no point having this status - just seems like a gimmick to make you feel good. Sadly it has the opposite effect because you expect special treatment, although what you get is service that's worse than basic service at other banks.
I took out a small loan last year, with the expectation of paying it off early. Since May I have been trying to pay it off but it's impossible to do this even though it's allowed under the terms of the loan. It started when I received my annual loan statement, which advised that I should write to HSBC if I wanted to pay off the loan early. Unfortunately the letter did not say who or where to write to. I don't have an actual branch, just a PO box somewhere, because I opened the account online. So I called HSBC using the number on my debit card. I was asked to enter my telephone banking PIN before I could speak to anyone, although I don't use phone banking. Therefore I didn't have a PIN. After several messages saying that my account would be frozen if I hung up, I finally got through to a call centre (thankfully in the UK). I explained the situation to the operator who wasn't sure who I should write to. She put me on hold to discuss with her colleagues. After a few minutes she came back to say that they didn't know who I should write to!! She also said that I could pay off my loan over the phone - so the statement I received was both incorrect and misleading. They also advised that I could go to any HSBC branch to pay off my loan.
This morning I went to my local branch, only to be told that because they are such a small branch (indeed they described themselves as a 'counter', rather than a branch), they had nobody trained to discuss loans!! And this is one of the world's largest banks! All i want to do is pay them some money and close my loan down, for me this is a very basic banking transaction that any branch should be able to process. They advised that I go to a larger branch, and waste even more of my time. To recap, the letter I received was wrong, the advice given by the call centre was wrong, and the experience in this branch was very poor. I had a second issue to sort out as well. My wife's debit card on our joint account is no longer accepted in shops or online, and we don't know why. I took the card in and showed it to them. According to their systems, the card was fine! Their advice was to try using it in an ATM and see what happens. Thanks!
HSBC hides behind bureaucracy and processes, and doesn't allow its staff to help customers. They are not in the least bit interested in helping customers sort out issues, and staff just pass you from one person to another, with nobody actually doing anything useful. They just follow their own rules and processes, and to hell with the customer. In 30 years of using banks, this has been my worst experience ever.
Ultimately my wife and I have decided to move our accounts to Natwest, where we have both had much better experiences - staff there actually solve your problems. Staff at HSBC just create problems.
I would advise anyone not to open an account at HSBC - even a basic account at other banks will provide you with better service.

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Hsbc Details

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Products and services including current accounts, savings, investments, credit cards, mortgages, loans, and insurance.

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Hsbc is ranked 78 out of 81 in the category

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