Written on: 24/04/2013 by s2msung
I am a british citizen and earnmore than 50K . My bank acount application was rejected on the basis that I have unsecured lending ( a student loan of 35K). How do they expect a student to pay back loan if they stop them to have a bank account. Shame on you HSBC. They use some useless tools whereas they dont even check who and what the person actually does. The qualification and the contribution to the society. Instead of helping peoplein bad times, when they are not allowing a person... (read more)
Written on: 04/01/2013 by SmithHelen (4 reviews written)
I ve been an HSBC customer for almost three years now (since I first came to the UK) had a passport account and was happy in general with the bank. Since I was new to the country I could only open a passport account, but as I graduated an dstarted working here I became a permanent resident entered the electoral roll and only the rest... so finally it was time for me to upgrade my account to a simple current account (so that i would stop paying the ridiculous amount of 10 pounds a month for... (read more)
Written on: 09/11/2012 by Grivien (1 review written)
HSBC are a truely terrible bank. They charge constantly, they are obsessed with charging. My husband was with them since the early 70s when they were midland bank. They were ok for a long time. Now they are money grabbing and charge obsessed. We are switching now. Looking for another bank. We don't have a formal overdraft, they would'nt give us one. We go over a lot. This partly due to their obsessive charging. They froze his bank account when in credit. Cancelled direct debits. Refused... (read more)
Written on: 13/08/2012
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. ... (read more)
Written on: 28/06/2012 by salmondrive
I have banked with HSBC for over 20 years and in the beginning the personal service and account was excellent. Even now the online banking is easy and secure. However, about 4 years ago they decided to change their policies and rescind an overdraft facility I had held up till then. Since that date all thay have attempted to do is get charges from me at every opportunity. Loyalty counts for nothing I am in process of cancelling account and moving to co-op whose customer service is better... (read more)
Written on: 10/01/2011
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. (read more)
Written on: 13/04/2011
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... (read more)
Written on: 14/03/2011
HSBC is a sca**er, no customer service, it is a really hopeless bank in UK (read more)
Written on: 23/01/2011 by vkay (2 reviews written)
HSBC completely unhelpful banking. they are so willing to sell their product. they always ask you get credit card and loan when you not really need it but when you need it they are not helpful. unnecessarily check financial plan. i am asking them why they don't check affordability when they sell their own product like upgrade to Advance account and insurance products? bull**** (read more)
Written on: 22/12/2010
They are great...until you have any problem! STAY AWAY! (read more)
Written on: 28/10/2010
Banked with HSBC for 13 Years, recently moved customer helpline to India, terrible frustrating service- Avoid! (read more)
Written on: 02/09/2010
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... (read more)
Written on: 23/07/2010
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... (read more)
Written on: 15/07/2010 by dandidit (4 reviews written)
I have been banking with HSBC for 3 years now. I have a current account, savings account and credit card which I have always managed very well.
I had a couple of weeks of financial difficulty recently, I went over my overdraft limit by £200 for 5 days. HSBC charged me £200.
I called their customer service team (a translator would have been helpful) to see if there is anything they can do as I can't afford to pay these charges and didn't want my credit rating to be affected by not paying... (read more)
Written on: 05/07/2010
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... (read more)
Written on: 23/06/2010
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,... (read more)
Written on: 21/05/2010
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... (read more)
Written on: 20/05/2010
I have a very bad experience with HSBC. Their customer service is just pathetic. Will never recommend it to anyone. (read more)
Written on: 24/09/2008 by pantsman28 (4 reviews written)
I have been with HSBC for around 14 years, they were very helpful with processing my loans and over draft as a student.
Now that appears to have changed...
I don ' t remember being told I ' d slipped over my overdraft limit and seemed more willing to charge me rather than to tell you. £25 penalty is the normal charge if I am over, and as I found they will stop direct debt of £20, charge me and then take out £30 if this payment is for my HSBC credit card.
The service is poor from HSBC, so... (read more)
Written on: 07/07/2008 by sham83
I'm very disappointed with these guys. I've had a very bad year with them. I was £11 overdrawn for less than 24hrs and when I went in to make a deposit I found I'd been charged £25! a few days later same thing happened, this time for a couple of pounds and bam another £25 was charged. Its ridiculous. I wish they'd at least notify you first, or give you a window period to pay back...and then charge you. I'm looking to change banks. any suggestions? (read more)
Written on: 17/06/2008 by DeeDeeBel (3 reviews written)
I was with HSBC for about 6 years and in that time I was charged over £1000 in fees- usually because the fees added each month pushed my overdraft further into the red, causing more fees. Despite repeated attempts to sort out a payment plan with them, asking them to freeze charges so I could actually get the situation sorted I was met with a blank wall. They are very quick to offer loans, even phoning me up to ask me to take out a personal loan when I first had my overdraft. I would not... (read more)
Written on: 10/05/2008 by jeffrussell (4 reviews written)
In 4 years I had only gone overdrawn once, by £9 and for a matter of hours before I moved money to the account from my HSBC instant access savings.
When abroad I phoned HSBC and got my balance then withdraw money I was told I had. HSBC had not deducted a pending cash withdrawal from 2 days earlier and as such I went overdrawn by £90 which was resolved the next day (when I realised) and money was moved from the HSBC savings account. No bounced cheques / well run account and HSBC error... (read more)
Written on: 14/04/2008
I have been with HSBC for almost 2 years and have not had a single good experience. From them losing my card and pin for over 6 weeks, to their processes not allowing me to have print out of bank statement with a company letter head (this affected my visa application!), to HSBC not closing my account despite the fact that they called to confirm they had received my request of closure. (read more)
Written on: 25/03/2008 by flo27
HSBC - i have been with them for 12 years. They charge you £25 for going overdrawn for 1 day and then you receive a letter saying an temporary overdraft is set up you go in and they are unable to give you an overdraft of £45 to cover a direct debt then when it goes out they charge you £25 fee and a £15 recall fee, for again 1 day. They seem more concerned with new customers that once you 1 year in the mess you around. DONT DO IT !!!!!!!!!!!!!!!! (read more)
Written on: 28/10/2007 by looloo30 (1 review written)
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... (read more)
Written on: 01/10/2007 by artofohm (11 reviews written)
Someone sent me $6k on the 28th March 2006 via the telegraphic transfer method to ensure reliability. My friend sent the money but put in the wrong account number by one missing zero and as of today's date October 1st 2007 the funds are still not with me, at no point has HSBC contacted me to ask if I am expecting the funds nor have they informed Lloyds TSB that the funds are sitting in a frozen account somewhere in HSBC. As you can see HSBC have kept the funds and have informed no one of the... (read more)
Written on: 09/07/2007 by bradgirl (13 reviews written)
I've been with HSBC for 14 years and have never had a major issue with them. I have gone overdrawn a few times, but have always phoned them once I've realized and convinced them not to charge fees. Also, they are flexible if you need to increase your overdraft for a few weeks at the end of the month (although you obviously pay the interest for it). I don't visit the main branch so can't comment on the branch service, but I have just used their new paying in machine and it's brilliant - even... (read more)
Written on: 26/04/2007 by carternm31 (67 reviews written)
I have been with HSBC for nearly 6 years now, and I have to say overall, I am impressed with them. When I was always in credit they have been nothing but nice to me. However, you cross that line, like I did when I brought my first house, and they come down on you like a tonne of bricks. Over the past year I am being charged between £50 - £150 per month alone. Even though, whenever I notice I may be about to go over my current account overdraft, I always put some more money into my account,... (read more)
Written on: 25/01/2007 by dan2897 (3 reviews written)
I have banked with them for 15 years, but I have now had enough of their poor customer service and lack of helpfulness when I needed them. Like many who complain here, I have had overdraft problems (my fault I completely accept), but when the charges stack up each month, it's not difficult to get in a vicious circle where the charges send you overdrawn the next month. They sent me a "we notice you are going overdrawn. How can we help you sort it out?" letter recently, so I called them and... (read more)
Written on: 18/10/2006 by TonySaprano
If you or anyone you know is interested in saving money and getting FREE Credit Card Processing Equipment for their business, I would suggest HSBC bank to process your businesses credit card processing transactions. Here is the website that I visited to get started with there processing division www.merchantservicestotal.com
They saved me money and gave me some of the best equipment on the market today, and it was absolutely FREE! (read more)
Written on: 16/10/2006 by Chrisj188 (1 review written)
After banking with them for 16 years, they have finally crushed my belief in general human decency. Unable to help a graduate student climb out of his overdraft by charging up to £100 per month with £20 interest on an unauthorised overdraft. The crux of the situation is, if HSBC had not charged that very first time I went over slightly, then I would not have gone over the next month by more, and the next month by more again, due to their increasing charges. I have managed to get out of... (read more)
Written on: 25/07/2006 by Righteous Rick (1 review written)
My partner and I arranged a mortgage with HSBC earlier this year. The first mortgage payment (scheduled to be taken from our HSBC bank account) was rejected, and upon closer inspection, the account number they had arranged to take the money from wasn't even ours! They had attempted to take our first mortgage payment from another customers account, and through no fault of our own we suddenly found ourselves with a 'missed payment'! It took numerous phone calls and several letters before we... (read more)
Written on: 23/06/2006 by TiV0 (1 review written)
I have been banking with HSBC for less than a year, but in my experience with other international banks, they have the poorest service levels.
I went on holiday and accidentally went overdrawn. I have gone overdrawn by 51 pence, for which they charged me £25, and because of that, a direct debit sent my account over their 'agreed' £50 limit for being overdrawn, so it gets sent back, they charge me £30 for it, oh and another £25 gets added for an overdraft 'review fee'.
Overdrawn by £0.51,... (read more)
Written on: 02/05/2006 by rebeccagilhespy (1 review written)
HSBC are too big. They don't know what is going on, and they don't seem to care. I banked with HSBC since I left school (15 years ago). I went on holiday for 2 months and made use of my internet banking over the time I was abroad. I returned to find that they "could not get in touch with me" and had closed my account down!!! I was furious!! If you have a complaint you will be referred to India or Germany, and these people do not have a clue what is going on. (read more)
Written on: 03/11/2005 by abirowe (4 reviews written)
After approximately 13 years with HSBC I have finally got fed up of the appalling service I have received. I am ashamed to say that I stayed for ease but they have finally pushed me too far. Beware, aggressive staff who constantly give out wrong information and a poor complaints process; i.e. no-one ever calls you back. Put your money somewhere safer! (read more)
Written on: 22/06/2004 by edboorman (2 reviews written)
HSBC Current Account - I've been with HSBC bank for well over 15 years. Their branch service is good and their internet banking site is the best that I currently use. If any one from Tesco PF is reading this, try and have a look at the HSBC site, it knocks your site for six!
HSBC phone banking is now partly based in India and there are language difficulties. I know why they moved it, to save money. Well pass this saving on to your customers in the form of more competitive interest... (read more)
Written on: 27/01/2004 by kevmann16 (1 review written)
I joined HSBC on a student account, mainly because of they introductary offer of £50 however I have been really pleased with them thanks to the way the bank bends over backwards to help you, out, the £10 overdraft buffer zone is also very usefull.
That said however the credit card interest is fairly high, and sometimes half of what you pay off goes towards pay of that months interest (read more)
Written on: 01/01/2004 by rikjs (1 review written)
I first joined HSBC looking for a solo card. I went to my current bank (The Derbyshire) and they hadn't even heard of it. So I went to the local HSBC branch. I asked if they did solo cards and the clerk handed me a leaflet to fill in. I did so there and then and was taken to a room where my account was set up. The whole thing took 20 min at MAX. I got a free savings account as well and a free gift. I had to barely do anything. HSBC has provided me with a place to put my cash so it is ready... (read more)
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