HSBC Current Account

I have been banking with HSBC (Midland Bank Originally) for 45 years. Now that I am 62 and have a hip problem I need to move to a home on ground level because I cannot cope with stairs. I own my present home outright but its value is not enough to purchase the home I require. I was refused a small mortgage over a short term. HSBC ARE NOT CUSTOMER FRIENDLY!

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 like me to open a bank account which is not even asking for loans, I pity the ones who can earn as much.

I will never open HSBC bank account. You just lost the best ever client.

They call and ask for mortgage payments that are not late!!

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 the plain use of the account no added benefits no nothing!) how fooled was I!

After being their customer for 2 years I went over there and requested for my account to switch I gave them my (brand new) National Insurance number, my electoral roll registration, my tax code, even my renting agreement and bills, however nothing was good enough for them and they kept insisting that they could not open a bank account for me. So I just left and told them that I would close my bank account. Went over to Barclay's and 15 minutes later my new bank account was ready!!1 I honestly believe that the only reason they did not want to alter my account was to take the charges and provide nothing to me (this monthly fee is usually equivalent to premier account as I found out later on)!I transferred almost all my funds (but kept the account open for a month until all my direct debits were transferred to the new account) and in the mean while the HSBC customer service team dared to call me to ask me whether I would be interested in updating my passport account since I ve had it for 2 years! Needless to say that the heard a hand full!!!!

Internet scammers who got hold of my expired debit card details were able extract money from my account.

HSBC did not give a toss and I have now had to get the police involved.

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 cheques. At one point we were in credit and they would'nt let us spend it. We had to borrow money from my brother because we had 0 available money but credit in the bank.

They return direct debits, then charge us.

We had a big car payment direct debit, and they charged for the direct debit itself!

They're money grabbers. Desperate, lying, money grabbers.

If we did'nt have those excessive charges, we would'nt go overdrawn most of the time.

They account for more money going out of the account, and cause the going over, than the direct debits, etc, do.

I did a budget sheet online.

We have surplus money. But we don't see it with these money grabbers.

More comes in than goes out, but you would'nt know it from the bank account.

We are leaving them as soon as we can.

Even if we have to go to basic bank account, and I have one in mind if it comes to it, we'll probabely have more money than when we do with these money grabbers!

I only gave 1 star because I had to! They get no stars from us!

Avoid this bank at all costs! They are charge obsessed!

Do not go near this bank, because they cause you problems, then charge you for them!

DO NOT GO NEAR THIS BANK!!!

DO NOT GO NEAR THIS BANK!!!

DO NOT GO NEAR THIS BANK!!!

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. Thought it would be simple ... never haver I been so wrong!

They started asking me all sorts of stuff about how much my mortgage is, how much equity I have, I told them wanted simple current and savinsg account, had £10k to pay in but they were not interested. They kept trying to sell me a "premier account" I neither want nor need; then at the end we said we did not want to take out a credit card, just wanted a second current and deposit account and they did not want to know ... practically showed us the door.

If that's how they treat solvent people with cash, goodness only knows what they are like if you go to them for a loan / mortgage etc.

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 and account/policy fairer.

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 this.

HSBC let you off for the first £10. It is fair that if you go over a contract you should be charged a fair amount and ok £25 is quite a lot if you only go over a small amount but if you ring them they help you. If its a first time they generally let you off.

Internet banking is also good with HSBC and it makes it so easy to watch your accounts. Also you can do over the phone banking with them. Try googling say no to 0870 and you will find their landline on there.

I hope HSBC never changes. I've been with them for 16 years and will carry on banking with them!

HSBC is a sca**er, no customer service, it is a really hopeless bank in UK