HSBC Internet Banking Reviews - www.hsbc.co.uk

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★★☆☆☆
1.7 / 5
155
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Summary

Review Centre provide reviews on HSBC internet banking. Read other consumers experiences if you're thinking of getting a new online bank account. We also offer reviews of other HSBC products.


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★☆☆☆☆

“Blocked account”

Written on: 15/02/2013

I do not moan quickly because any company can make a mistake but this is really bad. I have given them proof of address twice before the branch accepted it, then all seemed ok ; I got my card, set up internet banking etc. Then as soon as my first salary was put on the account, they blocked it stating that I needed to give proof of address, again. I could not get money from my account any way I tried and when I gave them proof of address for the second time, they said ' it was just a formality… Read Full Review

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★☆☆☆☆

“HSBC, they couldn't care less ”

Written on: 03/10/2012

They were great in the beginning when I just had a normal current account, and more so when upgrading to a student account. £1000 overdraft which can be extended to £3000 and a £500 credit card. My overdraft limit was currently at £1,500 and was getting closer to the maximum - I tried to extend it twice but was declined for having no income- which considering I'm in full time education isn't that surprising. Eventually my overdraft went into an unauthorized overdraft, but was cleared a… Read Full Review

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★☆☆☆☆

“Poor”

Written on: 08/09/2012 by Juicy.Couture (1 review written)

I had to wait 4 weeks for my bankcard because they ''forgot'' to send me it when I applied. They lost my provement of adress letter so I had to come back 4 times. And when I finally after 5 weeks got my bank card, they sent the pincode to a wrong adress so I had to wait for one more week on my pin code. In two words: Terrible bank… Read Full Review

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★☆☆☆☆

“Make customers poor”

Written on: 30/08/2012

This bank encourages the younger customers to go overdrawn then hammers them with bank charges, this is the worst bank on the high street, if you need a bank go to any other bank but never use HSBC… Read Full Review

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★☆☆☆☆

“The World's local Spank”

Written on: 11/08/2012

This is not a review of just the internet banking, but HSBC in general. I'm fed up of talking about them and my experience with them, especially after banking with HSBC for over 7 years, and the way they treated me as a "valued customer" after all that time. I won't go into details, but if anyone wants to know more, please ask. The general idea is that when you have money, you're a valued customer, and you are followed-up constantly by their clueless staff, trying to sell you products. But once… Read Full Review

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★☆☆☆☆

“Probably the worst bank in the world.”

Written on: 03/07/2012

I have been with HSBC for a number of years. I have never had a good experience. Since I turned 18 and had my account upgraded to an adult one I have been hammered with charges and have ended up paying well over 7,000 in 3 years. That works out to be more than a years wage for the first two years I refer to. They have made absolutley no effort to help me in any way but rather send me lengthy booklets which essentially tell me I need more money and a higher priced account. I was charged just for… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

that's what you get for not reading Terms&Conditions of your account. Rather than blaming the banks, acknowledge that it is your fault and learn

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★☆☆☆☆

“Worst Customer service Ever”

Written on: 19/06/2012 by FSousa (1 review written)

I'm a HSBC client since last year and untill last week I was delighted with your services. However, today I was rejected to open a joint account with my girlfriend at the Moorgate branch. Seems the customer staff didn't wanted to work after 4:30pm, they started to create issues where it didn't exist, with the only propose to not open the account. How can an international bank like HSBC has staff that rejects new clients because of personal interests?… Read Full Review

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Sheena123456's Response to FSousa's Review

Written on: 07/08/2012

Call center staff are even worse

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★☆☆☆☆

“Do not take an HSBC mortgage”

Written on: 25/05/2012

We have banked with the HSBC for over 10 years and are now going to change. Our son is buying a house using an HSBC mortgage as he, like us are Premier account people. They insist on including their own solicitors called Country Wide, who are the most incompetent people we have ever come across. They cause delays and tensions at every opportunity, and now are holding the monies released to them by the bank while they get answers to new questions. They will hold the £200k over the weekend… Read Full Review

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★☆☆☆☆

“Worse bank”

Written on: 18/05/2012

Worse bank ever. They charged me £25 quid a month for being £1.98 over drawn but never got any letter to tell me so. I haven't Used the account for 3 months… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

the terms and conditions clearly say that you won't be charged if you go overdrawn less than £10. Did you have any direct debit or standing order bounced back? That may be what you have been charged for. Everytime there is no sufficient funds on the a/c and you have payment coming out, someone has to physically look at you account and make a decision whether to pay that item or not. If you don't operate your account like you should they will not pay the item as they view you as a risky customer. And that is understandable. you wouldn't want to lend someone money that you perceive risky, would you? Moreover, it is your responsibility to make sure that there is sufficient funds on the account before any payment is made. I hate when people say that if they were in charge of their money rather than banks, they would be operating the account better. Well, you are the one that is setting up direct debits and standing orders, making payments, hence you are in charge of your account. rather than blaming banks for you going overdrawn, take responsibility for your account.

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★★☆☆☆

“querying unrecognised payments ”

Written on: 01/05/2012

I have contacted HSBC as there have been regular payments to an unknown source spanning over a year - not sure why I didnt detect it earlier but as I make many payments from my current account and the amounts in some instances were small amounts I did not spot it. I was put through to the dispute/fraud team who advised that I have to identify each payment made with date and amount. I gave them the reference number which is the same for every payment and asked if they were not able to obtain a… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

it is not that HSBC's system is out of date. it is you that is reporting certain transactions fraudulent, and none will take responsibility for pulling out the wrong reference. If something went wrong while you were reporting the fraudulent transactions, you could turn around and say, well, it wasn't me, it was one the HSBC's staff members that got the reference wrong. am i right? it would be your word against hsbc word, and who do you think that always is right in the end. the customer due to the industry the banks are operating. hence, no, noone will want to take responsibility for reporting the transactions on your behalf.

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★☆☆☆☆

“everything takes forever - ”

Written on: 25/04/2012

worst bank in ever. they constantly make mistakes and are never willing to take the responsibilty once they closed my wrong account and i was standed in india... i would recommend First direct, although a sister company they are brilliant HSBC are full excuses and i wish my partner would listen and change banks..... … Read Full Review

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Moveon's Comment

Written on: 02/08/2012

there must have been a reason why the bank closed your account. no bank can close the account if you operate in line with terms and conditions, as that would mean breach of contract. Did you operate in line with their terms and conditions? You have means of checking you account wherever in world you are using your internet banking, so maybe you should have just maybe done that. …and stop blaming bank for you being stranded in india without an account or cash.

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Moveon's Comment

Written on: 08/08/2012

I really don't care if you I think that i work for the bank or not. And yes, i will defend all the banks, just like any other businesses. As I already mentioned, with all business, including banks, from a business point of view you have no leg to stand on without reading the terms and conditions. Simple as that.

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Sheena123456's Comment

Written on: 08/08/2012

No, you definitely work for HSBC. Or do you defend all banks? Because that would be plausible and I would actually think you were a god send. But on the other hand, through the defensive information and resentment to customers you put across, you do think HSBC is perfect and can do no wrong. Period.

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Moveon's Comment

Written on: 07/08/2012

Really? Because I do not work for HSBC. What I do for my living is completely independent of HSBC. Yes, you are right to complain about anything you want in this life, but I am still going to insist on reading your terms and conditions to enhance your knowledge on the product. I participate in auditing banks's procedures, therefore need to know them inside out, and I will not say HSBC is perfect, but from a business point of view, you have no leg to stand on if you breached the contract and the account had to be closed. Period.

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Sheena123456's Comment

Written on: 07/08/2012

Oh Moveon, get back to HSBC head office and tell them to find you a real job. People have a right to complain about banks such as HSBC, as this is a review forum of personal experiences. Robotic advise or scripted and patronizing paragraphs from you will only make people dislike HSBC even more, as HSBC are never to blame according to you! Your defense and love of all things HSBC is hilarious.

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★☆☆☆☆

“mala experiencia con un cagero de hsbc”

Written on: 05/04/2012

el sabado 3 de marzo hise un retiro en un cagero de hsbc y la suma requerida no me fue entregada ya que el dinero se atasco y el cagero lo regreso al interior, creo que tienen que yebar un cierto control, pues el dinero se regreso al interior y me comenta un amigo que trabaja en eso que cuando susede algo asi ese dinero queda en un apartado, supuestamente yase iso una inbestigacion y ahora resulta que aparentemente yo miento y ya no quieren regresarme mi dinero… Read Full Review

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★★★★★

“great ”

Written on: 17/02/2012 by yolandabass (2 reviews written)

highly recommended.the costumer service is rather considerate and i like it… Read Full Review

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Sheena123456's Response to yolandabass's Review

Written on: 07/08/2012

is that you Moveon?Why is the bank great? Please explain so I can change my mind..

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★☆☆☆☆

“terrible service”

Written on: 15/02/2012 by R80MAV (1 review written)

Hsbc (Bath branch) blocked me from using my account due to lack of i.d provided although i had provided i.d on 3 separate occasions at different branches. costing me around £25 in fuel which ive had to borrow from my girlfriend as the account was un-accessible making me look like an idiot and having to borrow money, something i despise doing. The customer service advisers on the phone were completely useless. i even had one operator tell me there was nothing i can in his stupid uneducated… Read Full Review

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★☆☆☆☆

“Treat long term customers with contempt ”

Written on: 14/02/2012

i have been with this bank for over 35 years (previously known as the Midland bank) - the bank deteriorated when it changed to the HSBC and became more interested in the overseas market. It has used me as a cash cow and the bank has no interest in my well being as a loyal customer who has an excellent credit rating and financial history regarding my account activity. I would strongly recommend other customers look at alternative banks that have better ethics and are more uk based. Apart… Read Full Review

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★★★★☆

“Secure Key”

Written on: 20/01/2012 by dogdays (1 review written)

What a horrible thing this device is. Cheap and nasty not like the nice solid push button one that business users get. The string bit is surely going to break so you really wouldn't want to carry it about. yet another decline in service standards since the good old Midland Bank days I first banked with… Read Full Review

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Valdod's Response to dogdays's Review

Written on: 14/03/2012

AND YET YOU MANAGED SOMEHOW TO GIVE THEM 4 STARS!?!?!?!

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Moveon's Response to dogdays's Review

Written on: 02/08/2012

the secure key is for your own best interest. surely if that makes your money safer when logging on to internet banking, then that what you presumably want it to be. or you rather have someone hacking into your account and have your money taken? And then you could claim that surely it is hsbc's fault and they have to refund you the money, and that they are not doing enough to protect your money. It only makes sense that they want to protect your money as well as themselves from fraud. It is all about risk and how to reduce the risk and its consequences. simple. and by the way, no website on the internet is 100% secure against hackers, whether it is hsbc website or not, so don't try to blame on poorly run website either.

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★☆☆☆☆

“Banksters”

Written on: 09/01/2012 by ranjitnarula (1 review written)

Bunch of thugs. Appplied for a mortgage with a fee and then decided to change my mind. They took my calls on changing the product yet went ahead and debited my account with the fees for the mortgage . Now refuse to refund saying it was a booking fee Many better banks there than HSBC. Hate them… Read Full Review

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Moveon's Response to ranjitnarula's Review

Written on: 02/08/2012

whether it is hsbc or not, you have a choice to pay the booking fee or go for fee free mortgage. Once you pay, it is non refundable. Just like with all banks.

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★☆☆☆☆

“Accepted me,changed my personal details,thendecided...”

Written on: 15/12/2011

I joined HSBC when I was considering moving to malta, soo opened a uk account, as their online account demo seemed very easy to use, which it was, however, now i no longer need the account they refuse to close my account. I sent written confirmation to them of a change of address, and they sent me a letter, to the new address saying they recieved it, and it was done however they wont close my account on written notification, which is the process for their t&cs, going to be heading in… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

as long the signature matches, it is not joint a/c and there is no balance on the a/c, they will process your instructions. You used the for one and only thing, to open an account overseas, which went very well but because they cannot close your a/c for one or other reason, you are giving the a hard time. Maybe if someone else closed the account on your behalf without your authorisation,and then you would get all furious would be much better scenario for you, wouldn't it.

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★☆☆☆☆

“What a joke for a 'global'”

Written on: 16/10/2011

Just moved back to UK from New Zealand. I am a UK citizen and wanted to buy a house for family to move back to. Couldn't get a 10% value mortgage due to no utility bill or UK bank statement. Wished to borrow 50k and I earn 100k! Nothing to like .... a waste of time and not global with regard customer care. Don't use… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

If you were HSBC customer in New Zealand, what you should have done is to apply for UK mortgage through HSBC in New zealand, then you would not need any utility bill. That's one of the reason's why they are called global bank. as per uk bank regulations, every bank must have your proof of address and proof of identification, and the uk bank industry gives banks guidelines on what they can accept and what they can't when it comes to your ID&VA. So maybe, just maybe, you should be giving low rating to uk banking regulators or yourself for not researching enough before coming to the UK.

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Sheena123456's Comment

Written on: 16/07/2013

Moveon, your job sucks. I'd rather be poor then make an income by defending a horrific bank such as HSBC

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Moveon's Comment

Written on: 05/08/2012

You can't open a bank account without proof of address or proof of identification, not yet get a mortgage. Banking regulations clearly say that you need to have both to apply for any product from any bank. And if, that is IF, you got your mortgage in 20 min like you claiming (which alway takes at least week due to the fact that it needs to be referred onto the underwriting unit, then no wonder Hallifax had to bailed out.

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Gerry192's Comment

Written on: 16/07/2013

I didn't say I didn't have proof of address - pity Moveon jumps to silly conclusions; a job maybe awaits in the HSBC !! or maybe Moveon already works for them? - ( it would be stupid for a bank to lend without any proof) - it's the fact that HSBC wouldn't accept anything other than a utility bill .......... hard when you don't have one. They wouldn't accept a solicitor's letter, an employment contract from the NHS, a validated tenancy agreement, passport as proof of identity without a utility bill ............... all accepted with no qualms by other banks.
As I say, no stars HSBC and a poor bank. .

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Moveon's Comment

Written on: 04/08/2012

There is no way ANY bank would have given you an account, not yet mortgage without proof of address and proof of identification as per FSA guidelines. If and that IF you got the mortgage through Hallifax like you claiming, then they were contradicting FSA rules and no wonder that they had to be then bailed out and fined by FSA.

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Gerry192's Comment

Written on: 03/08/2012

Would give HSBC nil stars! Reply is nonsense as Halifax sorted things out in 20 mins. So poor show HSBC and typical poor reply

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★☆☆☆☆

“The WORST Bank ever, DON'T use them, USE lloyds tsb”

Written on: 06/10/2011

The original issue was that When I was 18 I took out a student bank account with HSBC, having graduated when I was 21, I owed the bank a £1,350 overdraft. I was having difficulty in paying this back as I didn’t get a job straight away, and after a few months my mum paid a lump sum of £600 to clear the debt, this was accepted and part settled. I am now doing another degree and was hoping to upgrade my Lloyds account to a student account, however discrepancies appeared on my credit rating… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

just like with any other banks. it is not fault of HSBC, once the debt is passed onto debt collectors (third party), the control over the debt is out of their hand. It is fault of the debt collector by not passing the relevant info onto HSBC, and now you accusing hsbc. Do you really think it is going to be different with any other bank?

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