Absolute rip off. Hidden charges!!! I transferred €100 from my Citibank account to HSBS Global everyday account and they charged me €7. Glad I found out before going overseas. Be prepared to be ripped off massively.
Cancelled card when taking cash out overseas
Got this card to get cash out while in the UK for a year before starting job. They put a temporary hold on the card after using it to get cash out a few times. They can't remove temporary hold and have to send a new card in 10-14 days. Failed to inform me of the temporary hold until doesn't work at ATM. How about a phone call to question the transactions as I updated my contact details with you. In other news, app is terrible, worst I have ever used, they take an extra % when U transfer to one of the everyday global currencies in your account and then take out from there so not really worth it unless u thing currency values will be up and down
The best purely for Apple Pay type transactions, otherwise nothing else
At the time of review, this HSBC debit card is the best I’ve found for “physical” transactions, specifically for the 2% Cashback on Apple Pay (and PayPass etc). For anything else, this is a waste of time and you’re better off sticking with anything popular that offers no fees, no international fees, better spend tracking, etc. such as ING.
Good 2% rebate
Opened the account 2 months ago. Waiting for my $100 bonus payment as I have deposited 2000 each month. So far, have got the 2% rebate on most of my purchases except for Coles and Metro Petrol because these merchants classified my Tap and Go purchases as EFTPOS rather than Visa PayWave. Called the service center at 9:30pm and got a good response explaining the situation. Although it’s frustrating that Coles purchases can’t earn me 2% rebate, I’m happy with the service so far.
Easy to open with great features
I am so surprised by many of these reviews. I opened my account very quickly online, with no need for attorneys as someone else apparently did. Online banking was simple to set up, definitely not harder than giving birth as another said. I have rung a few times and never had the long wait times of another reviewer.
The cashback on purchases is super, and it is an account I recommend highly.
Sign-up Procedure Obtrusive & Painful
Applying for a HSBC Everyday Global card is akin to jumping through as many hoops as you would go through to get a home loan. They asked me my place of employment, how long I live at previous addresses, to have a document signed and witnessed by a power of attorney etc etc etc. I put this one in the too hard basket, I will be happy to pay the small % other cards charge me for the ease of signing up for the service.
The card is brilliant for overseas transactions, great for local ones and amazing if there is a problem.
I have had this card for a few years now having opted for it due to its great currency exchange rates and low transaction fees when transferring from overseas accounts. However I now use the card for pretty much every transaction I do anywhere and have been genuinely delighted with the way the account is run.
Recently, I discovered a transaction I had no memory of authorising, so rang the local phone line and asked what it was. The answer didnt clarify the issue so I requested a dispute to ensure there was nothing shonky going on.
They cance...led my card and issued a fresh one and commenced their dispute process. Within 2 business days they confirmed they had reversed the transaction and it was now up to whoever had changed the item to prove it was legitimate. For this to have happened inside 2 days is remarkable and the care and advice of the HSBC service agent was absolutely brilliant. I can highly recommend this card to anyone wanting a debit card with no account fees for local transactions and low charges for international transactions as well as an excellent currency exchange rate, all backed up by a customer service that is efficient and pleasant to deal with.
This is the worst product I have ever used
I wish I could rate less than 1 star. I have GBP loaded in the account which doesn’t let you withdraw when your are in the UK. When you try to call customer service they are very unhelpful and can not resolve.
Visa debit card doesn’t work
Got this debit card in Australia to use overseas. Now over seas and discover the card is apparently faulty. I’m now stranded in Bahrain and unable to get cash using the card. Will be cancelling Hsbc account as soon as i return to Australia. Do not open one of these accounts.
HSBC international debit card doesn't work
I got this card here in Canada so that my daughter could use it while living in Australia - pay rent, withdraw cash, make purchases. Now that she's attempted to use it in Sydney, it's been declined in every store she's been to. The HSBC help line tells me that as it's an international card, the Australian retailers' machines probably can't read the card!! I am having a real problem understanding why I'm hearing this now. I was explicitly told she could use it anywhere in Australia despite having acquired it here in Canada. It would have been just as easy to stick with a Canadian bank debit card for her.
Beware of exchange rates
Opening the account 12 months ago was a bit of challenge, but after three weeks it was approved and I received my card. It is brilliant for transactions in one of the currencies held in the account. For other currencies it was originally very good with the exchange rate being consistently exactly as provided on the Visa website. For the last 2 months, however, the exchange rate used has consistently been less favourable that the VIsa rate which the PDS says is to be used. It seems that the bank is now taking a margin of around 1.4% on foreign transactions in currencies not held in the account. This is very sneaky, not to mention dishonest.
HSBC Global Account blocked many times
I went to USA, Canada and Mexico on April 2019.
I opened HSBC Every Global account and a week prior I advised them that I will go to USA, Canada and Mexico.
The first day we arrived in New York we used it for buying train tickets. On the second transaction the card can not be used, so we had to pay cash. Arrived at the hotel we called HSBC customer service using Skype and ask what's happening. Actually, they blocked the card even though we have advised them that we will go to USA.
Long short story, during a month of our traveling HSBC blocked ...
Dear God just kill me now
My experience with HSBC has been terrible from start to finish. Even the process of getting access to online banking has been more painful than giving birth, which i have done twice. The level of security checks and activation codes required feels like it is an attempt to dissuade you from using their service, the Customer service is full of waiting, even to register an activation code to actually be able to log in to an online banking account required me waiting on hold for five minutes. The process of getting a loan took no less than 2 months! Its disgusting. I really was so close to pulling the pin so many times and they are only too happy to cancel your application which really cements my belief that they do not actually want customers.
Excellent Card for Hedging Currency for Overseas Travel
I applied for and was approved for the HSBC Everyday Global card on-line in a few minutes, and uploaded some documents, and received the card a week later.
For local use in Australia the card is much like other debit cards, put money in and use it. The one advantage I've found from using VISA debit cards is that when I buy plane trips at BudgetAir.com.au, I don't incur the fee that is otherwise charged on Mastercard Debit and Credit cards and on Visa Debit cards.
One downside of the HSBC card, is that I cannot change the PIN on-line, and hav...e to do it at one of their ATMs. (I have none handy). For getting access to cash overseas, I generally go unhedged and use the Citibank Debit Mastercard, which doesn't have the overseas 3% foreign exchange fee, and the cash is given out at the Mastercard exchange rate (unless one foolishly selects the option routinely now put in overseas ATMs to convert the withdrawal amount to Australian dollars at their rate - DON"T do it). But, if one is travelling overseas in say three to six to nine months, and one is worried that the Aussie dollar may fall or collapse and hurt or ruin one's holiday, then the HSBC Everyday Global Card is the best card I've so far come across for hedging currency quickly and easily, at lowest cost. One can choose to buy 10 foreign currencies and put them in the card at the HSBC exchange rate, for use when travelling later.
Terrible customer service and not helpful
The Hsbc and the woman behind the counter are giving two different policies. Two many paperwork’s required to open a bank. This is 21st century!!!! Basically just happy for me to walk out the door without helping out or offering suggestions. Provided passport and utility bill as per what they required online. Went to branch in Southport being told its not enough.
The reviewer stated that an incentive was offered for this review
Questions & Answers
When will HSBC credit my account with $100 bonus payment ( Everyday Global account) if I have made $2000 deposits for 3 consecutive months? Will the credit appear in the 4th month or after 6 months ?
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