hsbc student account reviews | Watch This Item.

Average Ratings
Customer Service3.3/10 Based on 17 ratings
Ease of Use3.8/10 Based on 20 ratings
Overdraft Facility3.6/10 Based on 7 ratings
Reviewer Rating3.2/10
Overall Rating3.1/10 Based on 27 ratings
31% Recommended8 out of 26 Reviews
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26 Review Centre HSBC Student Account Reviews

  • Full review by
    Guest.
    on 26th Jun 2009


    User Rating : 0
    Respect : 0

    It hasn't been possible to change my billing address after 6 attempts and the HSBC Student Account customer service is generally awfull
    Guest's review and ratings     | 21 words

  • Review by
    Guest.
    on 1st Apr 2009


    User Rating : 6
    Respect : 0

    my hsbc student account has a low overdraft - they will only give me £250 if i need it in an emergecy. but good service and easy to talk to.
    Guest's full review     | 30 words

  • Review by
    Guest.
    on 30th Mar 2009


    User Rating : 1
    Respect : 0

    Went into my HSBC local branch at Redcar, and they were unable to deal with my query and i had to use their phone which put me through to a call centre in india, as soon as i asked what I wanted, I was declined and got told goodbye! HSBC have no customer skills whatsoever, and from my own experience they want to replave staff wiht machines, and when you want to speak to a banking assistant, you are told to use their phonje in which you could use at home and get put though to india. Also you can ...
    Guest's full review     | 141 words

  • Review by
    Guest.
    on 24th Feb 2009


    User Rating : 9
    Respect : 0

    Haven't had any problems so far with my HSBC Student Account, get plenty of interest (more than in my ISA!) but only drawback is that this interest rate drops dramatically when you go over £1000. Overdraft is a little on the small side, but then what can you expect with the banking crisis?
    Guest's full review     | 53 words

  • Review by
    Guest.
    on 30th Jan 2009


    User Rating : 9
    Respect : 0

    I'm a little shocked at all the bad reviews for HSBC because they have been amazing to me! Whilst I was a student I was continuously accidentally going over my overdraft limit (especially just before loan day!) but they never sent me threatening letters like Natwest. They've also set up a brilliant way for me to pay my overdraft back and were very friendly and supportive about what I had to say. I feel that I will be a HSBC customer for life, I recommend them to any student.
    Guest's full review     | 98 words

  • Review by
    Guest.
    on 12th Jul 2008


    User Rating : 4
    Respect : 0

    When I signed up to the HSBC student account, I was offered a £1000 overdraft - which was brilliant, and was exactly what I wanted. What I actually got, however, was £800. I had to go into my branch three times before they would increase it. If you're paying for your accommodation from your student loan, don't get an HSBC account - the overdraft isn't high enough to support you sensibly for a year. Try Halifax or Natwest.
    Guest's full review     | 138 words

  • Review by
    dave654678
    on 30th Jun 2008


    User Rating : 3
    Respect : 0

    I messed up uni for two years, then went to college. They had been notified and didnt charge me for my overdraft (as they don't for a year until after you leave). But then I went to university again, they refuse to make my overdraft interest free, I am coming into my second year at uni, now my charges have gone up, what am I supposed to do? How can they moan about me going 10 pound over my over overdraft limit when im paying them 10 quid a month, which will now go up as its coming to year number ...
    dave654678's full review     | 135 words

  • Review by
    Guest.
    on 17th Jan 2008


    User Rating : 9
    Respect : 0

    During my three years with a HSBC student account (overdraft £1000) i am yet to encounter any problems with my banking. The service is excellent both at my branch and over the phone as well as internet banking being simple to use. It is my only active account and i have never gone over my overdraft (may explain why i have not had any run ins with HSBC). They recently asked me if i wanted to extend my overdraft and/or get a credit card with them , however i declined as i do no want to becom ...
    Guest's full review     | 271 words

  • Review by
    Guest.
    on 29th Dec 2007


    User Rating : 0
    Respect : 0

    I have had my HSBC account for 3 years now, and barely use the account as it is not my main account (which is with Barclays). I did once take out £300 and had the Customer Service team calling me at 9pm a few days later saying that I need to pay money in....! I paid the money in very shortly after but am currently overdrawn by only £15 for a one off use of the card. Since then I have recieved 10 letters telling me I need to pay the amount back. Also I used my card to try and withdraw ...
    Guest's full review     | 124 words

  • Review by
    dazman777
    on 6th Dec 2007


    User Rating : 7
    Respect : 0

    Earlier this year I needed to extend my HSBC Student Account overdraft in order to get a train ticket home, no problem the nice lady in the branch said. When my Internet banking broke, went to my local branch, helped me reset it and even helped me test it to make sure it worked. I needed to increase my overdraft again recently, went to a different branch thats close to where I was working, no problems again, they even asked how much I wanted to increase it by. I've changed addresses loads late ...
    dazman777's full review     | 126 words

  • Review by
    Danny Gull
    on 2nd Nov 2007


    User Rating : 0
    Respect : 0

    Endless list!!!! Every service a bank should provide was provided poorly by HSBC. Customer service was poor with long waiting times. Huge hassle to try and pay money in to my account and even more hassle to take money out. However, the worst sin they are guilty of is having NO flexibility in their overdraft facility despite promises in their promotional packs. I was not allowed an overdraft of more than £1000 at any point during my three years at university despite being as cautious as any ...
    Danny Gull's full review     | 165 words

  • Review by
    millie07
    on 20th Aug 2007


    User Rating : 0
    Respect : 0

    I have been with HSBC for years and had not encountered any problems, so I thought that it would be best to stay with them whilst I was at uni and open my student account with them. My course is 3 years long, during the second year I had a couple of very small financial issues. The bank were so unsupportive it was unbelievable. The staff only care about commission they will be earning and nothing more. Just before starting my third year I have changed student accounts and will never return to HS ...
    millie07's full review     | 140 words

  • Review by
    Toggi
    on 13th Aug 2007


    User Rating : 3
    Respect : 0

    I too have just graduated and discovered that I have to pay 9.9%AER as they have changed their graduate account policy...a month before the entire nation graduates (as of 31 May 07) convenient! This is proof in itself of their bad practices. If they are to change policies it should apply to new student accounts only not to ones that have existed for over 4 years! Glad the student loans company didn't follow HSBC's strategy, we'd all be jumping off bridges!
    Toggi's full review     | 95 words

  • Review by
    loula2203
    on 20th Jul 2007


    User Rating : 0
    Respect : 0

    I graduated this month and got a leaflet for HSBC saying once my account changed to Graduate they would impose an interest charge of 9.9% overdrafts (very sly of them to give you one for £1750) I asked a branch when this would take affect - NO IDEA was the answer - I should have received a letter (No letter) They then tried to push the graduate plus account. They charge £10/month for the privilege of an interest free O/draft and some other minor bits like free travel insurance - wo ...
    loula2203's full review     | 201 words

  • Review by
    libraLEDX
    on 3rd Jul 2007


    User Rating : 0
    Respect : 0

    If you don't want your time wasted go elsewhere.
    libraLEDX's full review     | 68 words

  • Review by
    emloulou
    on 29th Jun 2007


    User Rating : 0
    Respect : 0

    DON'T SIGN UP TO HSBC! I found them unhelpful, they don't cater for people whose loans are spent on accommodation. Their overdrafts are low and you should expect a lot of cold calls from their office advising you to put more money into your account!
    emloulou's full review     | 45 words

  • Review by
    chronicsweetness
    on 29th Jun 2007


    User Rating : 3
    Respect : 0

    Really wish I had read the other reviews before I signed up with HSBC! Don't do it!
    chronicsweetness's full review     | 122 words

  • Review by
    happy2004ever
    on 25th Jun 2007


    User Rating : 1
    Respect : 0

    HSBC is totally horrible! I applied literally 5 times for student account in HSBC but I received no replies at all! I applied through branch with my documents, sent them by mail and applied online but none of them gave me any response! When I finally called them up they told me if you did not receive anything for us within 1 month that means we lost your documents! I am devastated by their poor quality service and not even a drop of care for customers, who are actually the people helping the ban ...
    happy2004ever's full review     | 110 words

  • Review by
    lomas8
    on 20th Apr 2007


    User Rating : 2
    Respect : 0

    I managed to get the whole £1000 overdraft with them, which was great, but last term I got into some financial difficulties. I went into a branch to ask if I could have a temporary overdraft extension. HSBC told me that as I hold a student account they cannot extend my overdraft until the next year. They also said that when I get my loan into my account it does not stay in there long enough for me to build a good credit rating. They did not seem to understand that my loan only covers my ...
    lomas8's full review     | 158 words

  • Review by
    demeta
    on 24th Jan 2007


    User Rating : 0
    Respect : 0

    My HSBC Student Account account has been overdrawn at £1480 as I am a graduate, still at university. HSBC have been sending me threatening letters asking me to pay the full amount within a week, although I have this account overdraft facility until august 2008. I cannot believe they are threatening me with Bailiffs. It's ridiculous.
    demeta's full review     | 101 words


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