They call and ask for mortgage payments that are not late!!

Internet scammers who got hold of my expired debit card details were able extract money from my account. HSBC did not give a toss and I have now had to get the police involved.

Get this; I have income over £100k and bank with another bank, not HSBC. However, I have a business account with HSBC (limited company for last 2.5 years - operated the account flawlessly). Never missed payment on a personal bill either, ever ... since I first started working in 1991. Aug 2012, wanted to open a personal current account and a deposit account, to make it easier to switch monies from the business account to personal account;went in with £10k cheque to open up the account. Thought it would be simple ... never haver I been so wrong! They started asking me all sorts of stuff about how much my mortgage is, how much equity I have, I told them wanted simple current and savinsg account, had £10k to pay in but they were not interested. They kept trying to sell me a "premier account" I neither want nor need; then at the end we said we did not want to take out a credit card, just wanted a second current and deposit account and they did not want to know ... practically showed us the door. If that's how they treat solvent people with cash, goodness only knows what they are like if you go to them for a loan / mortgage etc.

HSBC is the worst bank i hav ever experienced.very non cooperative staff.if u cant get through with their machines u cant go nowhere.u ll b stuck.i will never ever recomend any one to use HSBC's services.Very bad service.

I love HSBC.
People on here complain about the bank charges however if you compare them to other banks... especially Lloyds TSB they charge no where near as much. Lloyds charge by the day and don't tell you till you are a few days in. HSBC charge if you go over once. HSBC will allow up to £10 without charging. Lloyds charged my partner £6 a day for 10 days once because he went £1 over drawn and didn't even ring to warn him. Nor did he get the money back. You won't see other banks do this.
HSBC let you off for the first £10. It is fair that if you go over a contract you should be charged a fair amount and ok £25 is quite a lot if you only go over a small amount but if you ring them they help you. If its a first time they generally let you off.
Internet banking is also good with HSBC and it makes it so easy to watch your accounts. Also you can do over the phone banking with them. Try googling say no to 0870 and you will find their landline on there.
I hope HSBC never changes. I've been with them for 16 years and will carry on banking with them!

HSBC is a sca**er, no customer service, it is a really hopeless bank in UK

They are great...until you have any problem! STAY AWAY!

Banked with HSBC for 13 Years, recently moved customer helpline to India, terrible frustrating service- Avoid!

I have been banking with HSBC for 16 years (since it was Midland Bank) and also have opened an account with them for my 2yr old. I have always been really happy with them and the customer service has always been great.

Recently they seem to be more concerned with big corporate accounts and are really not bothered with dealing with the little people. Getting to a branch is becoming increasingly difficult, branches are having their opening times reduced and other small branches are closed. My nearest branch is now in a city centre which is always really busy and costs a fortune in car parking! I am certainly looking for somewhere else to take my custom!

have had a bank account with HSBC for years, I only have a £250 overdraft with them. I have previously had a credit card with them with a limit of £6500 and a loan of £100000 which I have now paid off. I have run into a few unexpected payments over the last couple of months so I went into my local branch today so ask if they could increase my overdraft to £750 to cover this months bills. My request was declined for some reason but they then went on to ask if I wanted my old credit card back!!! So they won't give me £500 extra on my overdraft but are willing to offer me £6500 on a credit card with them. Obviously I refused.

I am totally disgusted by this and am now seriously considering switching bank accounts.

A very unhappy HSBC customer!

I have banked with HSBC all my banking life, and never having required an overdraft or loan they have always been fine. However I recently got a new job that required me to relocate and in need of some temp funds. Clearly having the money avalible to repay any debt within 3 weeks time (at the time of my first pay cheque), they declined to offer me any lending atall without reason.

If this isnt a good enough reason for an overdraft I dont know what is. The only other point I would mention is that the girl who served me seemed equally shocked that the computer said no. But thats half the problem isnt it, the computer said no.

Have been with HSBC since 2006. At one point they had all my personal and business banking. Was with their premier service, and that was when the problems started:

All my accounts were down-graded without my knowledge. The neither wrote nor telephoned. This was when I had used the premier debit card to pay for a family holiday over Christmas. Guess what, at the last minute found out we were not covered with travel insurance. Less than happy.

I was turned down for a company overdraft, even though I had never operated in debt for 4 years and the amount was mediocre.

Finally my personal overdraft was revoked and I had a detrimental mark placed on my credit record. Again without any correspondence.

HSBC are the epitome of BAD service. The use offshore call centers, where the drones have no power to make decisions that are off script. You are unable to talk to a manager. If you enjoy banging your head against a wall HSBC are the bank for you.

All accounts closed. I have raised a case with the Financial Ombudsman.

I have been with HSBC for about two years now, for both business and personal. They always been helpful and I think their offer for business customers is very good value per money. The online banking is very easy to use and they recently made it even better. The business online banking is multi-user, so you can enable another person to operate the accounts setting individual limits for each user for each account, which can be really helpful if your business is big or geographically spread.

I read a lot of bad reviews about HSBC. I remember when I opened my account it states in the terms that a non arranged overdraft will cost you £25 in fees, so I have been warned. I think that as a general concept, we should always run accounts in credit, not in the overdraft, and that even if we have a credit card we should make a cash forecast and buy only if we really need to, and if we expect the money to flow in.

I think all banks are businesses, so they make money on fees. In general, many people I know should be more responsible about how they run their banking accounts and their financial life in general.

The customer care team is always polite and helpful, and I never waited on the phone for longer than a minute.

I reccommend HSBC, specially business direct account, is really good and there are no maintainance fees, which is great for a business account.