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Poor service, don’t obtain your home Morgage from them. They screw my client big time by keep delaying and delaying. He is in about to lose his Ernest money and seller will try to enforce the contract to purchase the house.
I have no interest whatsoever in a new bank account, but HSBC wastes nature's resources on me sending me fancy snail mail. Isn't it aware that we're facing a climate crisis and that trees are badly needed to abate it?
Opened a credit card with HSBC because of the cash back. The flat fees they charge at any random point scammed way more money out of me than that. The worse part of it was trying to pay off and shut down the card at the end. After paying off everything on the card I found that I was charged a flat $25 "Late Fee" on literally no money as the account was now paid off (overpaid actually). I called in to remove this crazy fee and I was told that the card would be sorted and shut down so I threw another $10 in there to make sure it is all paid off and done. A month and a half later I log in to literally check if these people bothered to do their job and my account tells me I OWE $16 because of LATE FEES?!?! Turns out I was charged another $25 and then another $8 on a card that was OVERPAID by $17... Am now on the phone trying to shut this card down again and I am being told they cannot return this $17 because the ACCOUNT IS 30 DAYS DELINQUENT?!?!? So because HSBS failed to shut down this card when I asked they think they can charge me unjustified fees and refuse to return money that THEY OWE ME!!! Do not recommend at all, less than zero stars. Bank should be investigated for fraudulent financial practice as they charge "Late Fees" on money they owe people
This card offered no interest on purchases and balance transfers. I transferred a couple balances and then took the card to the grocery store where it was declined. I called multiple times and finally received an answer when they transferred me to someone in the US. Their system had put a hold on my card because of the transfers. There was nothing on their jejune website stating there was a hold. There was also nothing stating that they needed a copy of my drivers license to release the hold. At first, I was excited about the multi factor authentication, however, they didn't use it before putting the hold on my card. They also sent me a PIN number in the mail that was rejected as authentication in their IVR system. (Their customer service number requires the card number or your social security number and either the PIN or a telephone access number. Not once did it work with the card number and the PIN.)
Customer service is pretty poor, even as a premier account holder. Everyone is nice and all, which I appreciate, but many people you call don't know what to do. The online experience is hard to use (even for the HSBC customer service employees), and accomplishing a task sometimes requires 10 logins on the computer and five on your mobile phone. Moreover, when I signed up for HSBC, the claim was that there is no foreign transaction fee for transferring money between different HSBC accounts or for using HSBC credit card. It's true in a way, in that they don't charge a flat fee for the transaction. But their exchange rate is 4% worse than the market exchange rate, meaning that they really charge a 4% fee for all transactions, which is a lot. This means that you get a much better deal from a service like TransferWise, even though they acknowledge charging a transaction fee. Overall, if you wish to sign up for HSBC because of its global reach, I would recommend not to do so, since it won't save you any money nor time (creating an HSBC account in the UK took more time than it took people in a similar situation as I am to sign up for a Barclays account). It's better to have top tier bank accounts in each country than to have a global mediocre bank account.
worst bank in the world. ATMs from the 80s. AND they closed all my accounts without warning and LOST $2300 of mine that I transferred to that closed account. HSBC accepted the money but did not return it to me nor did the money bounce back to Chase like it should have. They tell me tough luck. This was on 6/25. Today is 8/2 and the money is still missing.
I opened up my checking account with HSBC and they never sent me any mails. I tried to create an internet banking account for my checking account but I was unable to do so. I called the bank over 30 times and was put on long holds over 30 minutes each. I still am unable to access my funds with the bank.
I'm really confused why they have good reviews on this site. Go to any other site and they average 1. I opened account online, which took about a month. Was NEVER able to log in to personal banking. Spent countless hours on the phone and via chat. Had to add an authorized user so they could withdrawal money so I could close the account.. via chat of course because I couldn't log in.. I thought it would be a good idea to open an account with them because I'm moving to London in few months. Worst decision I've ever made.
Worse company I have ever dealt with. Within the 3rd week of having my card they placed a security freeze on my account. When I called to find out what was going on they needed proof of my address. After providing them proof of my address the problem I had then was I have a block on my Experian account and they need to verify my credit worthiness (keep in my mind they have already issued me a card and allowed me to use the card and have already accepted 2 payments from me and NOW they need to verify my credit worthiness?) So after releasing the block from my Experian account I have been told that the problem is I have made 2 payments to them and I have a credit on my balance which is what is causing the problem so I will have to wait 10 business days for the security block to be removed. I will wait the 10 business days (they're in control now so don't have much choice) but can't wait to see what the new problem will be afterward. The only silver lining to this entire issue is that my Discover card has not been cancelled yet and I can just go back to using that. I only went with HSBC because of their reward program but I am going to RUN from them because of their customer service. Take my advice before you go through the same thing.
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.