Unable to resolve any issues
Untruthful customer service- made multiple promises, none of which were fulfilled
Retained my money over an extended period- unable to release it 'due to policies'- just a money grab.
Don't be taken in by offers of high interest- substantial amounts are deducted when account is closed- interest is paid a month after it is earned and they say that interest is forfeited for the month or months in which any withdrawals are made.
This is in line with most other banks, but HSBC seem to have no social conscience- they ALSO keep the interest for the previous month, even though no withdrawals were made in that month- an HSBC action which could justly be termed theft.
Good product but not a good system
HSBC products are fairly good if you can get them! been with them for 6 years customer service is not reliable, they are quite polite just not knowledgeable, and not communicative enough. It's very hard to make any changes, something like request to increase your credit limit can be endless nighmare and may not even get response and forgotten. There is a serious issue with the flow of their process. I am still keeping account open just as a spare cause their product is actually quite good, but not really trusting them to be my primary bank.
Thinking of changing my bank as log in is to complicated invented by youngsters don’t take older folk into account instead of being threatened of locked out of account they should divert you to customer service
Other banks are so easy Michael
Worst Bank I delat with/ Waste of time
Initially they approve your application and keep asking for more details and in the end they just decline your application. Upon asking the reason of decline HSBC representative's answer was 'decision is confidential to HSBC'.
HSBC Global Currency Account is aimed at travellers and they blocked the card after booking two hotels in the USA.
This account is aimed at travellers and it is an account you can basically transfer AUD to international currencies with virtually no exchange rate commission. I used it twice in the USA to book hotels after the second hotel my card was blocked off, luckily I also got a Citi Bank Global account for my trip and was able to withdraw over $1500 USD from atms without a hitch. Also HSBC just updated their App on my phone and is now asking me for the secure digital key from my previous device to log in properly which is impossible since I am on the same device or ring up, wait 20 minutes and to speak to some currycel who rushes you off the phone like with my card which never worked again.
Team is pathetic, and not Efficient at all. It takes ages to to get a simple thing done. So sorry to give a review like
Simpel example is changing the delivery address of credit cards/ looking into a transactiion which is subjecet to investigation Getting the system to intergrate with other system.
All what we have experienced is the team is very inefficient. They promised to give this & that, but not being able to delivery half of it.
Applied for HSBC interest free loan, recommended by travel agent. Expecting a quick acceptance as I have a credit rating of 735 which is a very good rating. after 2 weeks of phone calls telling me exactly th same thing as the many emails told me & all the paperwork that was requested was emailed to them, still no decision. Once the agent intervened & escalated my request it was another week before they emailed & told me the application was denied with no reason given.
I'm playing discrimination card here, I'm a self funded retiree, pay bills on time, have no debts, own my own home & car but still can't get a loan from them. Rubbish bank.
Poor customer service, not interested in being accomodating to customers
Poor customer service, not interested in being accomodating to customers. The customer service team were not keen to accomodate my basic request so as a result I am going to move banks
Disappointing and frustrating experience
I opened a Flexi Saver a few months ago after see the fantastic rates and transferred my savings over from.ME Bank's Online Savings account. Checked those rates a couple of weeks ago and they had fallen significantly while ME Bank stayed the same so I decided to go back to ME Bank.
I tried logging into the app and it said I had an internet connection problem. I checked if I could use the internet for other apps on my phone and they were working so my internet was fine. I then tried logging into online banking on my desktop computer and after w...aiting several minutes I got an error message saying www.HSBC.com.au could not be reached. I could access all other websites on my computer so I knew my interest was working so it has to have something to do with HSBC. I rang HSBC to report the fault and ask them to transfer the money over the phone. This is where I found out what this company is like. The lady I spoke with told me over and over again in a very sweet but patronising voice that the problem.was at my end. She just kept blaming anything she could that I was doing, things like You're using the wrong browser...I installed the browser she suggested and it still didn't work You need to delete your cookies....deleted them still didn't work Your internet isn't working....told her it was working fine for all other websites but she still told me it's a problem with my internet.
Don't get within 10ft
Most incompetent bank I have ever come across. I was send a letter to register for online banking. Try to do it online and an error message came out asking me to go into a branch. I was asked to jump through hoops and loops for 50mins in the branch. The front office staff have to get a 6-digit code from HQ. Put to hang on while I waited. Next minute I was told to speak to the person on the line. Pass to a recorded message to enter some details which I did correctly but was told not. And then was told to hang on further while the call is pass back to an officer. I gave up and just walked out of the bank.
Terrible online banking services. online website problems with inefficient overseas operators. Not recommended
2 years with this bank, unreliable at most, customer service is inefficient and unreliable. Online banking always has issues regardless of any computers/browsers you use. Rude operators overseas. Very frustrating
Worst Experience Ever - Complete Waste Of Time - 1 Start is 1 Star Too Many
Asked to Close Account and said they had to phone me back to complete, I hesitantly did so, and found out they didn't close the account, So much hard work for them action with pity excuses, even posted letter twice had no effect, NEVER USE THIS COMPANY EVER BAD BAD BAD
Never got back to me
My partner and I applied for a joint bank account. We filled out the online application. Waited two weeks and hadnt heard anything. Sent an email stating our situation and asking how our application was going. Its now been five weeks and still no response. Needless to say we have joined up to another bank.
Will NEVER use HSBC
I applied online for a Low Interest Credit Card to help pay for a holiday. HSBC was recommended by the company I was booking with and told it would be an easy and fast process. It was a horrible process and because I needed it quickly rang them almost every day to see if it had been finalised and in the end, after being promised I would be called about the final outcome after receiving initial approval, they sent an email saying that my application had been rejected by HSBC!
I am extremely angry, frustrated and disappointed by my whole experi...ence. Not only has it taken a week to have my application finalised, their website wasn't working properly and it took me 3 hours to complete an application that should have taken 30 mins. The system never seemed to update itself so you never knew if they had the information they needed or not and in the end I had to ring someone to get that information. Even the emails I were sent were wrong. When I rang it got worse as I kept being promised my application would be finalized within an hour and it never was! I was promised this 3 times in 1 day & had to ring each time they didn't... When I told them this I was then told that I should never have been told that! To top it off the last time I rang after I was contacted again for more information again they promised it would take 1 hour!!!! Retrieving my application online was also an issue and it didn't matter what device I used to try to locate it! So after 7 days, at least 7 phone calls and more hours then I would care to remember I am no better off than when I started. Don't make the same mistake I did. Find someone else. HSBC is not worth the time and effort.
I joined this bank to get their global card when travelling overseas. I've never experienced such a complex online security system in my life. Dont get me wrong, ive got nothing against online security but the HSBC login, transfer money process is a joke. It is too complex and takes too long. I mean, logging on, generating the secure keys based on what transaction your performing etc. I do internet banking with ANZ and its easy to use
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