HSBC Current Account Review

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HSBC Current Account
1.5 stars
Average rating for this product is: 1.5 out of 5

From 3 ratings and 20 reviews

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looloo30's Review of HSBC Current Account

28th Oct 2007

Overall Rating

0 stars
  • Customer Service
    0 stars
  • Ease of use
    0 stars
Good Points

The only good point is that they have internet banking. But then again, who doesn't?


Bad Points

They are all over like flies round you know what when you have money. Then when the chips are down, they tell you you're over your overdraft limit and then charge you £25 a day.


General Comments

I hate HSBC bank! I have been a customer of theirs for 11 years and they have never once helped me out when my finances were getting in a mess. On several occasions, I have asked for an increase in my overdraft, by less than £500 temporarily, and you'd think I was asking for a kidney.

More recently, my father died and I asked for help with his funeral expenses. Again, I got passed from one telephonist to another, racking up a hefty phone bill only to be told there was nothing they could do. I'd explained that once his house was sold I was going to have a serious amount of money available but it was like talking to a brick wall.

Once the money comes through, I will take great delight in closing my account and going elsewhere. I just hope this ongoing court case about claiming back extortionate fees goes in the customer's favour, I'll be demanding at least two grand back.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%18.49%n/a