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

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★★☆☆☆
1.8 / 5
26% of users recommend this
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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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★★★★★

“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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★☆☆☆☆

“This bank is a nightmare”

Written on: 03/10/2011

It has taken them over a month to send me a pin number for my ATM card. I don't get an actual debit card because I don't want to pay the monthly fee of £8, so the only way I have access to my money is to go in and speak with a teller. This would be fine if the branch closest to my home didn't open at 9:30 and close at 4:30 and the branch closest to my work didn't close at 5. I'm not out of work in time to get my money from my bank. When I go in to the branch to ask for help the employees are… Read Full Review

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Sheena123456's Comment

Written on: 07/10/2011

they are completely useless

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Moveon's Comment

Written on: 02/08/2012

you can use your cash card at any bank's ATM free of charge. the fact that the bank is only open in the hours that you work is only understandable.why should the work longer than you? in terms of PIN, you can always request to have one send to you nearest branch for collection if you are in doubts.

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Guest's Comment

Written on: 25/04/2012

How is you being too cheap to get a debit card a fault of the bank?

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★☆☆☆☆

“Worst bank ever”

Written on: 26/08/2011

I was with HSBC for 10 years and received appalling service, despite being a good customer, having savings with them and rarely being in overdraft. They never want to help and you can spend ages trying to get through to the right team/person on the phone, being passed around, left on hold and often hung up on. I don't know why I left it this long to change banks but my new bank is like a breath of fresh air in comparison… Read Full Review

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★☆☆☆☆

“Evil Company, avoid at all costs”

Written on: 11/08/2011 by Danyo_Farini (1 review written)

Joined with in Year 7 so I could get a 'free CD from HMV' there was no free CD from HMV. After that it was just a bank for 8 years, nothing out of the ordinary, just a bank. Few weeks a go though, I go under on my account, now bank statements show this by saying £ 47.43dd and cash machines do this by saying £ 47.33- now I got an A* in maths, I know what minus numbers look like (-43.33) all these sly tricks got me, it might seem dumb but I geniuinely had no idea I was in minus figures for a… Read Full Review

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★★☆☆☆

“Online Banking Secure Key”

Written on: 27/07/2011 by JamieMc (4 reviews written)

Granted online security is concern but previously you had an IB banking number (different from accnt and sort code) and if that was compromised, then you used to have to input your date of birth and random characters from your security code? Now you need to have a keyfob that generates a random key code every time you want to log on. So unless you want to take this fob to work, on holiday, etc etc HSBC online banking is now not available to you. Natwest, whom we also bank with have online… Read Full Review

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Guest's Response to JamieMc's Review

Written on: 19/11/2011

Absolutely agree with this. They claim the key generator is small enough to keep with you. Yes it is, it's also flimsy enough that trying to keep it with you means the screen gets smashed and you have to spend ages on the phone asking for a new one, convincing them that you didn't lose it or have it stolen and there's no security compromise, you just need a new one.

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Moveon's Response to JamieMc's Review

Written on: 02/08/2012

simply because when you logged in using the old style, you had only one security number, i.e. your telephone banking security number. If this number remains the same over lengthy space of time, hackers will eventually get hold of it. There only so many time for you to type the same digits that the hackers will know exactly which key on you keypad you pressed. because the secure key generates random digits all the time, they have no means of trying to get this numbers from you. Finally, it is only a question whether you want to have your money save or not. If not, you were right to go ahead with natwest by all means.

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★☆☆☆☆

“secure key schmecure key”

Written on: 25/07/2011

I have been a customer of the bank for 24 years and have used their internet banking for a good few years. This new secure key is the bane of my life. You have to remember to keep the key with you at all times as without it you cannot log on. It was so much easier when you just had to type in your security password and your ib number. I wish they would bring back the old internet banking option… Read Full Review

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Guest's Comment

Written on: 13/09/2011

definatly a lot easier for us oldies to use the original syetem, I can't even get going on the new one yet? so I'm afraid that I will be saying bye bye to HSBC

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★☆☆☆☆

“mortgage application”

Written on: 20/06/2011 by andy22 (1 review written)

I have been a customer for 30 years with hsbc,i currently applied for a small mortgage to purchase a caravan,wish i'd never bothered! I was told what i would need to take to the appointment ie;wage slips,bank statements,any other payments that i made on a regular basis.I was told they would get back to me within a few days, they phoned me about two days later to say they needed other information;i sent this straight away.I waited about 3 weeks and when i heard nothing thought i would ring… Read Full Review

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Moveon's Response to andy22's Review

Written on: 02/08/2012

No bank will give a precise or even approximate timescale for completion of a mortgage application. It is always passed onto the credit search team and only they can approve it or reject it. phoning or visiting won't pay as it is out of their hands.

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★☆☆☆☆

“If youi Want Stress and Agrivation HSBC will give you That”

Written on: 07/06/2011 by robertbyebyehsbc (1 review written)

HSBC Singapore with its Internet Banking and its use of a DONGLE , i was unable to tollerate the Security measures i had to use to log on and the customer service provided from them. HSBC UK is no better, i was left stranded for funds abroad over a security question of which 9 out of 10 was correct. I have been with the Midland BAnk and change over to HSBC for some 25 years , the last 3 years has now become inhuman and no longer tolerable. The Use of another dongle now to access internet… Read Full Review

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Sheena123456's Response to robertbyebyehsbc's Review

Written on: 08/08/2012

yes, 5 stars "If you Want Stress and Agrivation'

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★☆☆☆☆

“Would not recommend HSBC to anyone!”

Written on: 04/06/2011

I moved from the UK to France last year as a student and decided to open an account with HSBC as they were international so I thought they would be more used to dealing with foreign customers. MISTAKE!! They neglected to offer me the STUDENT account which I didn't actually know existed, instead giving me a HSBC Advance account which costs 3€ a month just to have a Visa Electron Card. Normally in France student accounts are free, something I only realise now. They also failed to tell me at the… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

did you tell them that you were a student, or are they supposed to read your mind? if you told them that you wanted to open a bank account without telling that you were a student, they had no reason to suspect that you were one. if you said that wanted a bank account, then that's what they would have done for you and actually done for you. Maybe researching more (which you as a student would do anyway) and asking clear questions would help next time??

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★☆☆☆☆

“CHINA & HONG KONG. This account does not work...”

Written on: 08/04/2011 by davehangzhou (1 review written)

CHINA & HONG KONG. This account does not work abroad!!!!!!!!!!!
DO NOT PAY-PLEASE FOR YOUR CONVENIENCE CHOOSE DIFFERENTLY.You will be stranded with this account.
Really, honestly this account is no good in China or Hong Kong.
I paid for an upgrade to Advance account before leaving for China. I can not use this account anywhere in China or Hong Kong as it is a 'foreign' account.
You can not pay money in, pay credit cards or anything. It costs £14 a phone call back to UK. Lost my card- emergency… Read Full Review

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Moveon's Response to davehangzhou's Review

Written on: 02/08/2012

now, when you are saying that you were leaving for china, then for how long. were you after hsbc international account in china that can be opened from hsbc in the UK but is actually chinese account, or where you just visiting china briefly and wanted to use your card there? these are 2 completely different things, and you should make it clear to them what you are after. now when it comes to sending your card to your UK address, did you actually tell them that your address was going to change temporarily and you want to have all your correspondence to be sent there? if not, you are the only one to blame and noone else!

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Moveon's Response to davehangzhou's Review

Written on: 08/08/2012

From what I understand, you lost your card while abroad. You had Advance account which is supposed to be internationally recognised. The account was made joint before you left abroad. OK. A block needs to be put on your card if its lost or stolen so noone can use it. You did the right thing calling them right away. If you do not remember your account details or security, just stay on the line and you will get through eventually to customer service officer. Obviously, then there is the lengthy part of identifying you by asking you your security questions.You would need to give them you overseas address for them to send the card there. If you passed your security, given them your new address and they still messed it up, then yes, it is their fault. The second part, is the joint account. You wanted to remove the other party from your account, right? The account would have to be closed with consent from both of you, the balance would need to be cleared. Then a sole account would be open for you. The reason why it so complicated is because when the account became joint, you both signed joint account mandate which says that you both liable and responsible for the account solely and jointly and both of you have equal rights to the account. That's why it isn't so simple to just remove one party from the account. Again, if this was supposed to happen and did not happen, it is their fault. You could have raise a complaint and they would investigate what went wrong and very likely to re-compensate you for your trouble.

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Davehangzhou's Response to davehangzhou's Review

Written on: 07/08/2012

As part of their own terms of service, whilst I am abroad I am covered for lost cards.That is to say that I am supposed to be able to walk into any HSBC Advance branch and request assistance. They were supposed to arrange a replacement card for me there in that country, but sadly to no avail. Incidentally the most frustrating and pretty daft thing is trying to call HSBC in the uk on their international number, to report a lost card. The service asks you to "Please enter your sixteen digit card number or account number" - errr...I've lost my card!!!!
Yes I did tell them I was going abroad, exactly where and for how long. That is why my local branch sold me that account package. I even got my partner added as a signatory to my account to help deal with any issues back here. And there is another story of failure altogether on its own.
As it happens I went into HSBC today in Daventry to deal with something else and was asked the security question " who is the other person on your account?" to which I angrily replied "effin' no one I hope as I have spent the last year trying to have them removed from that account with their consent!! Failure again.
Last week I opened a Co-op account.

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★☆☆☆☆

“I have been with HSBC/Midlands for over 25 years, it...”

Written on: 30/01/2011

I have been with HSBC/Midlands for over 25 years, it used to be a good service but not any longer, I still use but have moved all my savings etc after they took money I had put by in a savings account to cover my overdraft without telling me, their customer services dont seem to understand english either, when you need help you will not get it from them… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

the overdraft is repayable on demand. it is unsecured type of lending and aimed only for short time. if you did not respond to the letter to repay your overdraft, the bank would set it off against any credit balance on any of yours other accounts. Why should bank lend you money and then when it is asking for it back, you do not repay them? Just like any normal person would (not only a bank), they will offset against you credit balances. And no they will not tell before they do it, so you do not move your credit balances elsewhere and leave with your debt. Makes sense in my vocabulary.

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★☆☆☆☆

“HSBC BANK PLC are the worst bank ever. ”

Written on: 07/01/2011

HSBC BANK PLC are the worst bank ever.

They took my money illegally £242.83 on 07/01/2011.

Now they said the charge back team are closed… Read Full Review

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Moveon's Comment

Written on: 02/08/2012

if it was illegally like you claim, why don't you report them. Or is it because you were overdrawn without having an overdraft and had to pay charges? I always wonder, how people are quite happy to use someone's else money, but they do not want to be charged for it. Ridiculous thinking.

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★☆☆☆☆

“The rewards system is a joke , I am a Premier customer...”

Written on: 22/12/2010

The rewards system is a joke , I am a Premier customer who has never been overdrawn and paid my credit card on time.Have just moved back from USA and not sure which customer service is worse UK or US.
I am sure they only employ stupid people in their call centers , would love to give them a test , for example , what is 1 and 1, !!!!! that would sort them out .
They try every way they can to get out of paying out the rewards.
Think I will change to another bank… Read Full Review

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