HSBC Student Account Reviews

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★★☆☆☆
1.7 / 5
28% of users recommend this
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  • Customer Service

  • Ease of Use

  • Overdraft Facility

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HSBC Student Account
HSBC Student Account

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Latest Reviews

★☆☆☆☆

“Avoid this bank!”

Written on: 20/08/2021 by Jadon447 (1 review written)

Terrible experience in dealing with HSBC. Customer contact centre was appalling and provided inaccurate and inconsistent advice. Told to visit branch to confirm identity only for branch staff to advise I was declined for student account, with no sensible or coherent reason given. As with many 18 year old's I do not have much of a credit history so to decline on this basis does not make sense. Never had any borrowing, overdraft or other debt or defaults. Complaint raised but not adequately… Read Full Review

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★★★★☆

“no problems setting up so far”

Written on: 05/10/2016 by ggMorgan259 (1 review written)

I set up this account in branch, and the lady was very helpful and it was easy to set up. I had an appointment made that was easy for me to attend. I was quickly sent my new bank card and pin and the online banking was easy to set up, although you do have to wait for a secure key to come in the post if you don't have the tech for the app, to finish setting up online banking. I feel that it would be easy to go in and ask questions if i had problems. Although i was told that it was hard to… Read Full Review

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★☆☆☆☆

“Waste of time”

Written on: 05/12/2014 by AvahThomson (1 review written)

The experience with HSBC was absolutely terrible! I am an international student and I was waiting more than two month to hear that my application was declined! During that they asked me a few times to provide an additional information which incurred some transaction costs. To add more, their customer service is absolutely awful. Never have I had such a terrible experience. Absolutely disappointed… Read Full Review

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★☆☆☆☆

“WASTE OF TIME”

Written on: 29/10/2014

I could write pages stating the trouble trying to open a student account . Like one of the other reviewers could not log onto account , kept stating wrong date of birth Although they had passport , driving license and multiple other forms of ID. No welcoming email after 4 week wait. Continuous phone calls , never received a secure key , they said they sent 2nd Secure key out, still waiting. Think the £60 amazon voucher is just a line to get you hooked. They said they had corrected the date… Read Full Review

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★☆☆☆☆

“Terrible to deal with”

Written on: 17/09/2014

I decided to stick with HSBC for student finance after holding a current account with them for years as well as the seemingly good incentives of the large overdraft of £3000 and the £60 Amazon gift card. I set up my account in branch and after enquiring about the overdraft I was told the maximum this would be was £750 however this could increase over the years (definitely not the £3000 their adverts promise). In the following week I received my new cards in the post however still no sign… Read Full Review

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★☆☆☆☆

“Apalling service for student account”

Written on: 26/07/2014

After applying on line for a student account I waited for the confirmation letter/email requesting i take my ID and student offer in to my local branch. After 10 days this still had not been received so I went to local branch anyway who said a letter should have gone out as my details were on their system. I continued to finish opening the account in branch. I was told I would receive debit card, cheque book account opening info within 5 working days. Over two weeks later, still waiting for… Read Full Review

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★★★★★

“I have to disagree”

Written on: 12/03/2012

I have to disagree with the majority of reviews here. I first opened (or rather, my father did on my behalf) my current account with HSBC roughly 10/11 years ago, so naturally when I was accepted into university I went to them first. I went into branch to speak to them and see what they would offer, and I have to say the woman I spoke to was really nice to me. She explained everything in simple terms, gave me tips on how to avoid charges, joked with me about university life etc.; it was… Read Full Review

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★★☆☆☆

“Nightmare to set up, even with a current existing...”

Written on: 01/10/2010

Nightmare to set up, even with a current existing account. I went to three different branches. The one in my university, the woman spoke to me as if I was an idiot, she was useless, telling me the only way to set it up was online, when I told her it came up with an error, she told me to fix it. ERR HELLO I put in my details! The next branch just threw me a bunch of papers to fill out and finally the only decent branch with nice people actually got it right. How comfortably it works depends on… Read Full Review

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★☆☆☆☆

“I'd been a current account holder with HSBC for...”

Written on: 30/09/2010

I'd been a current account holder with HSBC for roughly 4/5 years before starting university and thought I may as well stick with them for my Student Account.

Big mistake, at first they seemed alright that was until I tried to get some straight answers from them regarding my own account.

Towards the end of last semester I needed to increase my overdraft and wanted to increase it from £750 to £1000 still within my allowed maximum for a first year student, this is where I ran into problems. I… Read Full Review

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Fabiat.'s Comment

Written on: 12/02/2013

I have the same problem, i wanted to get a house with friends so tried to extend mine to £1000 from £750 and they wouldnt let me, i still don't know why but their online banking is also confusing. SICK of this :(

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★★★★★

“Been perfect. Recommend all the time. ”

Written on: 30/07/2010

Been perfect. Recommend all the time.





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★★☆☆☆

“I've been a HSBC account user since I first needed an...”

Written on: 26/07/2010

I've been a HSBC account user since I first needed an account for EMA payments during my days in college. I'm 22 now and the overdraft has not been increased one bit! I agreed to a student account, but all it's done is limit my overdraft to £750 for god knows how many years. The student account provides you with no financial support, the overdraft doesn't nudge at all and the customer service is poor beyond belief. I went in one day during my lunch break and their customer service service was… Read Full Review

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★★☆☆☆

“I have had a bank account with HSBC for years, I only...”

Written on: 23/07/2010

I 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 Full Review

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★☆☆☆☆

“Absolutely awful, awful service. Am switching ASAP. ”

Written on: 24/06/2010

Absolutely awful, awful service. Am switching ASAP.
Was automatically transferred from a young persons account to a student account, and so no overdraft application was made. I went into branch repeatedly to apply for an overdraft, but no-one seemed to know what they were doing, and eventually I was told I was not eligible for an overdraft, as it is dependent on income, and my only income is my student loan. Surely the point of a student account is to make allowances for the fact that I'm a… Read Full Review

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★☆☆☆☆

“HSBC student account is a big scam. After withdrawing...”

Written on: 03/06/2010

HSBC student account is a big scam. After withdrawing the post graduate loan facility without informing me I was unable to get a loan. It was agreed with my local branch that I could extend my student account until I completed my masters. Two month after this agreement HSBC decided to withdraw agreed facility and are now threatening me with a debt collecting agency. I have been unable to workout a payment plan with the bank as I do not have a job but they are insisting that I pay off my over… Read Full Review

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★☆☆☆☆

“I thought I was having quite good experiences with...”

Written on: 11/01/2010

I thought I was having quite good experiences with HSBC... I've had no problems with the cold calling people have mentioned, and I don't use the overdraft facility, so that doesn't bother me. This is until I tried to make use of my free travel insurance that was one of the main reasons I got the account, since I'm doing a languages degree that requires me to travel abroad...to find out that they hadn't set it up properly, and until I paid in another £1000 they wouldn't give me it...despite… Read Full Review

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★☆☆☆☆

“Terrible banking with HSBC. I've been with HSBC for...”

Written on: 16/09/2009

Terrible banking with HSBC. I've been with HSBC for years and problems started with my student account and online banking. When I had my debit card stolen once I spoke to someoneon the phone who had no idea what I was trying to tell him about which branch to send my new card to, and with the card being sent from one wrong branch to the next it basically took a MONTH to get a card. A month without a debit card is completely impractical!
Also I've lost count of how many times my online banking… Read Full Review

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★☆☆☆☆

“HSBC gave me a student account with an overdraft....”

Written on: 26/08/2009

HSBC gave me a student account with an overdraft. Because my student loan and part-time job wages apparently did not sit intact in the account long enough (it's a current account, not a savings account, for goodness sake), I ran into difficulties.

They refused the much-advertised overdraft extension after the first year because of my "poor record". When I asked the HSBC employee for advice on how to improve my "record", she said the reasons for someone having a poor record are confidential and… Read Full Review

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☆☆☆☆☆

“It hasn't been possible to change my billing address...”

Written on: 26/06/2009

It hasn't been possible to change my billing address after 6 attempts and the HSBC Student Account customer service is generally awfull… Read Full Review

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★★★☆☆

“my hsbc student account has a low overdraft - they...”

Written on: 01/04/2009

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… Read Full Review

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★☆☆☆☆

“Went into my HSBC local branch at Redcar, and they...”

Written on: 30/03/2009

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… Read Full Review

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