HSBC Online

Save your time and never bank with this peace of trash. This bank is still stuck in 1950s and lack any modern technology. It does not support Osko and randomly hold your transfers for 2 business days even though you have transferred btw same account thousand times. I transferred my money from HSBC to my Banksa account which i have done money time… Read more

before but instead of fast transfer it went into some local transaction and now i have to wait 2 freaking days to get the money. My mortgage was due and now im stuck. Worst decision of my life banking with these morons.

I've been with them for many years after moving away from Aussie banks. Every experience has been cheaper, better and more professional. Associated share trading account was behind for a long time but improved now with interactive brokers tie up. Agree with some, when your accounts are low they can move you on quickly but if you're at all… Read more

financially competent then you're miles ahead of the old skool aussie fee takers. not as high interest as the specialist savings banks ing judo etc but more mature and fully international.

might be leaving the country soon unfortunately ...

If I could do zero stars I would, the absolute worst experience I have ever had with a bank, trying to payout my home loan, it should be an exciting time but its was an absolute nightmare, they continued to Direct Debit my account after the loan was paid out then to try to get the funds back it was impossible, cant make a payment from the home… Read more

loan online, had to install an app that kept giving an error so it wouldn't process, their error but my problem to fix, they wouldn't just refund it, then closed my account without telling me taking more fees than they had advised would be charged. customer service department give different information to each person you speak to, would never ever recommend them, would rather pay more and go with one of the big banks, at least you can go into a branch and speak to someone

Prompt customer service and chat messages in HSBC app – I have just refinanced my home loan across from a big bank to HSBC Bank Australia. The rate is much lower and the customer service was excellent from the signing of the loan documents to the settlement. The HSBC app is also easy to use and messages can also be sent from there. Customer service was very good and prompt and good support provided to… Read more

me when opening up HSBC accounts. Ringing through to the 1300 number was also easy and calls are promptly attended to.

App is easy to use – HSBC's app is easy to navigate and feels very secure. They were also prompt and courteous when assisting me with an issue when I first started using it. Show details

Refinanced Home Loan – We refinanced our home loan with HSBC and have been with them for 5 months now. The application process start to finish went smoothly and hassle free. The waiting time on some calls I’ve made to them have been abit too long which can be a put off so definitely needs improvement. However I have had no major issues with them. So far so good! Show details

The performance and app system used by this bank is appalling. They do not mind wasting customers' time. Their phone banking service after hours is especially appalling, inefficient and incapable. The staff is unprofessional, undertrained, and provides incorrect information, acting ignorantly. Last night, two of their staff members wasted two… Read more

hours of my time on the phone and were unable to resolve a simple matter. One of the staff promised a service to be done the next day, but it was not true. I have never been so angry with the performance and service of a bank as bad as this. I would not recommend their service at all. Even a one-star rating is overrated. They deserve no star at all.

Avoid at all cost. Lost credit card they will not replace until I can prove I’m better at making freq payments. I joke not. How long will I have to wait ? A FEW MONTHS… I’ve never missed a month. I have $2k in credit available and I cannot get a replacement card. A DV victim and now I can’t leave my situation. I’m beside myself. Show details

I opened a HSBC transaction account 6 months ago and want to download the transactions in excel format. The statements are in pdf format and online banking only lets you download transactions up to 90 days. So chatted to a customer service representative and she effectively told me these are my only options. I asked if she could then email me the… Read more

transactions in excel format and she said she can't do that as it is only available on online banking. HSBC is the worst bank I've ever dealt with in Australia in terms of user-friendliness of online banking platform and helpfulness of the customer representatives. I have had accounts with all big 4 banks plus a couple of medium banks and this service is readily available with all of them. I'm not even asking for old transactions from years ago. For context, I can still download transactions from closed accounts from 2 years ago with Commonwealth Bank. I don't believe I'm being unreasonable here. I'll be closing the account.

Had an HSBC credit card for over 6 years. You never used to pay a fee to have a credit card but it is now $199 per year. My card got hacked last year and the nightmare to get the costs off my card and weeks of waiting to sort it out and countless phone calls as they clearly didn't feel like communicating. I then go online and if you are a new… Read more

customer getting a credit card with HSBC your fee is free for a year. So e-mailed and asked why they don't treat their regular and good customers like that and told there was nothing they would do for a customer that has been with them for over 6 years. They flatly refuse to give me one years grace like they would a new customer. So closing my account out of principle. Loyalty means nothing at HSBC. They used to be really good but clearly are not getting the message that loyalty counts.

Zero is their number. I paid out my mortgage and signed the discharge papers months ago, only to learn during the sale process that the bank still holds the title authority to MY FULLY PAID PROPERTY. What a bunch of cons. Then they lead you in circles when you try to make them transfer the title authority to your conveyancer when you have to spend… Read more

hours on the phone or come in in person to claim the right to what was yours ages ago. They never tell you that they needed official instructions from me for authorisation of the title release and would’ve been happy to own the title forever if I hadn’t sold it.

The phone operators are also a bunch of morons, hopeless and helpless chickens without brains who can’t even transfer a call to the right mortgage officer who handles my case.

WORST BANK EVER!!!!!!!!

If I had a zero, I would give them one. Please be warned that HSBC are a bunch of corrupt, greedy money laundering scammers. If you happen to lose your money with them, especially through a scam, don't expect any sympathy or refund of your money, they do not care about you and they will do anything to protect their greedy pockets. I'm telling you… Read more

from experience as they have told me they are not an Australian bank and therefore somehow above the law even though I pointed out to them they operate in Australia under Australian laws. Their people are incompetent sheep. Please do not bank with these scamming morons. Just so you know, ASIC have a current lawsuit happening against HSBC in regards to scams so I'm not talking trash. I just want them to go down and I don't want every day hard working Aussies to not fall for their nonsense.

I recently had a very disappointing experience with HSBC regarding my term deposit maturity instructions. On 11 August 2025, I visited the Swanston Street branch and spoke with a Relationship Manager (RM) about my upcoming maturity. I clearly instructed that if HSBC could not offer a rate similar to ANZ or Macquarie, my term deposit should not be… Read more

renewed. The RM emailed me later offering a 0.2 bps bonus (subject to approval on maturity day), and I accepted the rate — but he never put my instruction into the system.

Two weeks later, another RM called asking for my instructions — which made me realise that nothing from my previous instruction had been actioned. I repeated my instruction not to renew since they could no longer offer the bonus rate. Instead of helping me directly, he told me he could not perform the action over the phone and that I had to log in and release the funds myself through online banking. As a customer, being called by HSBC only to be told there was nothing they could do and that I had to do it myself was extremely disappointing.

I followed his advice, went online, and decided to reinvest approximately half of the funds and release the rest. I waited another two weeks, yet my funds remained untouched.

On 16 September, I called HSBC again to clarify the situation and expressed my frustration that I had followed all instructions they provided but nothing had happened.

Now I have received a confirmation letter showing that all funds have been locked into a three-month term deposit — completely ignoring my instructions.

This entire process has been frustrating, time-consuming, and stressful. I had to follow up multiple times, perform actions myself that should have been handled by the bank, and still ended up with an outcome I never agreed to. I expect far better service, accuracy, and accountability from a bank of HSBC’s size.

Rubbish customer service, not in a australian standard. Customer service connect me overseas ( they dont have support locally). Just to increase daily transfer limit from 5k to 10k. I forced to call them multiple times. They did account verification. After successful long manual verification. They said someone will call back for increase limit… Read more

and do verification again. What a jock? Why They dont increase the limit on the same call since already did long verification? Unbelievably stupid service. I dont use hsbc for large deposits and savings except small daily transactions as they are so unreliable and unprofessional. It is so much easy to increase limit with other local australia banks. Just can do on the mobile banking apps without even call the bank. Hsbc australia absolutely rubbish service.

I tried to transfer GPB from my account yesterday to AUD , when the exchange rate was good. I was unable to do this because they have a restriction on my account here, and the website in the UK was down. They have not fixed this despite numerous phonically and time spent on the phone. Using today's exchange rate, I will receive $1000 less for the… Read more

same amount. However, they have not yet fixed my accounts, so I still can't do the transaction. It is MY money, why can I not use it when I want to?

wanted to open a savings account with them. For some reason this is the only bank who can't verify me online and the only bank that wants me to turn up in person. I live 239 km one way, as the crows fly from the nearest branch and they wanted me to come into the branch to be face to face verified, that's not happening, if they had a branch in… Read more

Newcastle I would think about it, which is still 170km from where I live one way. Other banks could do it online with the information and ID I provided, but not HSBC. If I had read the reviews first up I wouldn't even have tried.

The worst banking experience ever, waiting 45 minutes every time you call, the responses are normally from overseas they barely speak English, the operator has zero knowledge and always misguides you, nothing will happen unless you complain. Useless security and frustrating multifactor checks, their online service is horrible, and their mobile app… Read more

normally fails and has lots of unfunctional menus that will take you to an error page. Their email service is horrible as well, they stop replying if you ask too many questions. If you have nerves made of steel and lots of spare time, go to HSBC

Other than ANZ, HSBC has got to be the WORST bank I have ever had to deal with. After multiple calls and over an hour and a half on the phone with them for a SIMPLE payout letter, it still has not been emailed. Apparently it will take 24hrs for the email to come through! My husbands financial institution had his sent and received with 30min.… Read more

This will now delay the settlement for our mortgage refinance. STAY AWAY unless you enjoy being frustrated by systemic incompetence

On hold for 1hour and 20mins! couldn't wait any longer. I think my account has been hacked, can't log in to HSBC website nor the App, tried their online chat and the ''person'' took 10mins to respond between each question and then gave the same templated answers such as ''hold on while I look into that''. I had to leave the chat too as that was… Read more

also for over an HOUR. Still don't know if my account is hacked and still can't contact the bank!!!!! DEPLORABLE

They are RIP OFF MERCHANTS. I stupidly signed up when relocating to the UAE from Aus. I signed up as a premier customer for ease of use for transferring money between UAE and Aus. As well as the horrendous service, ignorant, uncaring and unhelpful staff, poorly trained - the do not honour the market rates for conversion. So, the rip the customer… Read more

off on this front as well. I look forward to cutting up my bank card into minuscule pieces and exiting their bank at the start of the month. DO NOT BOTHER. YOU ARE BETTER OFF STUFFING MONEY IN YOUR COUCH.

I am trying to CLOSE my HOME LOAN ACCOUNT. On the 21st August I got an email from [Name Removed] saying that I had transferred the amount owing to close my home loan into the wrong account (I had put the sum owed into my Offset Account instead of into my Everyday Global Account). HOWEVER.... [Name Removed] emailed me on the 21/8 to say that she… Read more

would be able to close the HOME LOAN account by withdrawing the money from the OFFSET account if that's what I wanted to do. I said YES PLEASE - all on email.

On the 21/8 nothing happened.

On the 22/8 I emailed [Name Removed] but got an out of office reply. I rang and spoke to [Name Removed] at 8.30am AWST. She said it would be dealt with that day.

On 22/8 at 11.30am AWST I rang again, and I spoke to [Name Removed] again, who said it would be dealt with and [Name Removed] would call me back.

On 22/8 at 3.30pm AWST I rang again and spoke this time to [Name Removed]. [Name Removed] told me it was best to go to my local branch and put the money into my EVERYDAY GLOBAL account. So I got in a taxi to go to my bank. [Name Removed] then RANG me at 3.45pm on 22/8 just as I had got to the bank, and said DO NOT GO TO THE BANK and that the HOME LOAN account would be CLOSED using the funds from the OFFSET ACCOUNT that DAY 22/8. So I DIDN'T ENTER THE BANK, EVEN THOUGH I WAS RIGHT THERE. I got back in my taxi and WENT HOME.

MY HOME LOAN CLOSURE STILL HASN'T HAPPENED.

"HOW CAN YOU RESOLVE THIS" IS YOUR QUESTION??????

I NEED YOU TO CLOSE MY HOME LOAN ACCOUNT, USE THE FUNDS IN MY OFFSET ACCOUNT AND CLOSE MY LOAN!!!!!!!!!!!!!! I was prepared to go to the HSBC bank in Perth, transfer my funds into my EVERYDAY GLOBAL Account because I KNOW I had put it in the wrong account. BUT NO!! You STOPPED ME.

HSBC will no doubt charge me MORE INTEREST, another set of ANNUAL FEES and ANY OTHER EXTRA FEES they can think of. I WILL BE TAKING MY BUSINESS ELSEWHERE.

The service is dismal - their security screening is appalling and they just end the call if they don't understand your answers. it's also incredibly hard to understand some of the operators. Clients are at their mercy since they don't have branches so you have to keep calling back and the waiting times are very high - obviously not resourced to handle the scope of calls they receive

HSBC is not fit to operate in Australia and should be closed, exiting the Australian Market. They don’t have the skills set to operate under Australian laws and Financial regulations. Financial Ombudsman is currently reviewing there policies. Show details

Avoid liars. You call them to raise dispute. They saying they did. Later you call them again they say you need to wait other party to response. In the end no confirmation in email, no sms and nothing and they're saying you have not accepted disclaimer.

Hi, The receipt is attached as requested. Let me clarify what happened. I was in Vietnam and bought a flight ticket online with your card on 19/11/2024. When I arrived at the airport's desk, they said that I didn't have any ticket booked(20/11/2024) and that I had to purchase a new one. I showed them my bank statement and the payment was… Read more

processing. They confirmed they hadn't received the money. It suddenly forced me to buy a new one. I reported this problem on your app immediately and physically on your store when I was back in town.

Went to the branch 2 times already and infinite exchange of email..I didn't get my money back

Lived all over the world. By far the worse banking experience iv ever had, constantly locking me out of my app and my accounts for no or very silly reasons while im at work or out of town, terrible customer support, would hang up on you while just trying to get accounts unlocked after basic annual subscriptions to app services would trigger my cards to be suspended.. save yourself the hassle do not bank with hsbc. Show details