HSBC For 0 Employees

The below comments were given by respondents who gave the bank a medium overall score (see glossary for more details).

• "They wouldn't lend me an umbrella if it was raining." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're there for us when we need them." Southern England; Construction
• "Supportive through difficult times." Southern England; Information and Communication
• "Very good. They're helpful with queries in the branch." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "A bank that is pretty much the same as all other banks." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Depending who you deal with, some very good, one not very good." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are adequate." Southern England; Construction
• "It's just the bank charges I have a problem with because they have a set fixed fee which I believe to be too expensive for a small business such as mine." Northern England; Arts, Entertainment and Recreation
• "When required they have been very professional." Northern England; Professional, Scientific and Technical Activities
• "Mediocre. They charge too much." Northern England; Professional, Scientific and Technical Activities
• "They are very good. They give me everything I need." Northern England; Manufacturing
• "Reliable service." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just a job, it does what it's supposed to do." Southern England; Financial and Insurance Activities
• "It's satisfactory." Southern England; Transportation and storage
• "They handle my requirements quite adequately." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Seems to fulfil my needs, because I have only just joined them." Northern England; Human Health and Social Work Activities
• "It's alright. It works." Northern England; Manufacturing
• "We don't have a service from the bank." Southern England; Manufacturing
• "The service is acceptable. That is it." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just there." Southern England; Information and Communication
• "It's satisfactory." Southern England; Financial and Insurance Activities
• "It fits our requirements at the moment." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite good. It is quite good because I have no problems and receive the service I want." Northern England; Other Service Activities
• "It is adequate service." Southern England; Real Estate Activities
• "Very efficient." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's good. It keeps me updated" Northern England; Construction
• "Same as before, non-existent. Same as Barclays. No competition. No incentive to attract customers." Wales; Information and Communication
• "I am annoyed because I have to pay an account fee every month." Southern England; Construction
• "The service is a good service. Simple procedures take place, go and I have no trouble when dealing with my money." Northern England; Administrative and Support Service Activities
• "No answer." Northern England; Accommodation and Food Service Activities
• "Basic, frustrating bank charges and very little support. I'm in the process of changing banks." Southern England; Human Health and Social Work Activities
• "It is very convenient. I like the online service and I don't get charged more than I expect." Southern England; Administrative and Support Service Activities
• "I don't really have much of a service from HSBC as I just pay money in and get money out." Northern England; Professional, Scientific and Technical Activities
• "Because we're a small business they offer exactly what I need. Low cost services and gave me a free starter up kit with no service fees." Southern England; Information and Communication
• "Totally pleased. I have had one or two charges on my account but they have always notified me, so I am generally happy with them." Southern England; Information and Communication
• "It's just reasonable." Southern England; Arts, Entertainment and Recreation
• "Not overly helpful to small businesses. Not very flexible but none of the banks are in all fairness." Southern England; Other Service Activities
• "I receive an adequate but expensive service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's fair." Northern England; Manufacturing
• "They do not inform you enough. You need to find all those details yourself." Southern England; Other Service Activities
• "I don't know." Northern England; Professional, Scientific and Technical Activities
• "They are friendly and cooperative." Southern England; Professional, Scientific and Technical Activities
• "Overall I am fairly satisfied as they do make an effort to correct their wrongs." Southern England; Transportation and storage
• "I'd describe them as fine. They do what they need to do. They don't do anything extra for me." Southern England; Professional, Scientific and Technical Activities
• "Very good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's average." Southern England; Arts, Entertainment and Recreation
• "Happy with the service. Never had any issues." N Ireland; Financial and Insurance Activities
• "They started out very helpful, but recently haven't been so much." Scotland; Human Health and Social Work Activities
• "More than adequate." Northern England; Information and Communication
• "They do what it says on the tin." Northern England; Education
• "[It's] what I would expect from a business account." Southern England; Professional, Scientific and Technical Activities
• "The service is fine, other than the charges are too expensive." Southern England; Manufacturing
• "Very good, but expensive." Southern England; Arts, Entertainment and Recreation
• "Branch support is usually excellent. Don't bother with online." Southern England; Information and Communication
• "The service is adequate." Southern England; Professional, Scientific and Technical Activities
• "It is fairly helpful for small businesses." Scotland; Other Service Activities
• "[They're] better than most." Northern England; Arts, Entertainment and Recreation
• "Efficient. Does not matter what queries I have, I get on the phone and the problem is gone." Southern England; Agriculture, Forestry and Fishing
• "They do not show enough interest in small business." Southern England; Professional, Scientific and Technical Activities
• "It's average. When you need to contact a big bank like HSBC, the call centres might be abroad, so there [are] communication problems." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay. I wouldn't say good or bad. It does what I need. It's reasonable." Southern England; Human Health and Social Work Activities
• "I think it's okay." Southern England; Human Health and Social Work Activities
• "They're good for the first year but after that they charge you too much." Southern England; Transportation and storage
• "[It's'] adequate." Northern England; Professional, Scientific and Technical Activities
• "It suits my limited needs." Southern England; Other Service Activities
• "It is fine for my needs." Northern England; Human Health and Social Work Activities
• "[It's] adequate." Southern England; Administrative and Support Service Activities
• "It's okay." Wales; Agriculture, Forestry and Fishing
• "It's fine. I haven't had much service with them. I just put my money in and that's it." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is just adequate." Southern England; Professional, Scientific and Technical Activities
• "They are pretty helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They give me what I need." Northern England; Administrative and Support Service Activities
• "It is okay. They charge too much money. The bank charges are too high. It can be very impersonal. It's okay. I think the bank manager ought to have more authority." Southern England; Construction
• "[They're] just adequate. One word will do, thanks." Southern England; Arts, Entertainment and Recreation
• "They provide a reasonable service but it comes at a cost." Southern England; Manufacturing
• "[They have a] hands-off [approach with] minimal intervention." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I can do it. In one word, [it's] adequate." Southern England; Arts, Entertainment and Recreation
• "[It's] adequate and no frills attached." Northern England; Transportation and storage
• "They can be more helpful and offer more very available loans to small businesses." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Good to work, good to talk to." Wales; Professional, Scientific and Technical Activities
• "[They're] fairly fair. [They're] not too bad." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are friendly and helpful." Northern England; Real Estate Activities
• "It does what it says on the tin." Southern England; Professional, Scientific and Technical Activities
• "They are efficient and they are always looking for the best deals." Southern England; Construction
• "It's adequate." Northern England; Construction
• "[It's] adequate [but] nothing fancy." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The account managers are good, but the actual bank is terrible. No one really talks to you and the charges aren't great." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are not as good as they could be." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very good." Southern England; Construction
• "They provide business services if you trade with Europe." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't deal with them much. The service I receive is pretty basic really." Southern England; Manufacturing
• "I have never had any problems with them. I just deal with the banks when I have to." Southern England; Transportation and storage
• "I do not have any issues. It does what I need it to do." Northern England; Arts, Entertainment and Recreation
• "In my experience they are reliable, have good integrity and give you what you expect. [They] do not have great rates for borrowing or lending, but they suit me and my business needs." Wales; Information and Communication
• "It's okay. It is just an average bank, nothing special." Northern England; Administrative and Support Service Activities
• "Reactive at most. I never hear from them." Southern England; Financial and Insurance Activities
• "Pretty good for what I need. Not ideal. Could be better." Southern England; Administrative and Support Service Activities
• "Just adequate." Northern England; Professional, Scientific and Technical Activities
• "They are very good. They give a good personal service." Wales; Accommodation and Food Service Activities
• "It has good Internet provision and telephone banking services, but doesn't reward loyalty in any respect what so ever." Northern England; Professional, Scientific and Technical Activities
• "Their services are quite good." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's very good. I have no problems. It's alright to me." Southern England; Transportation and storage
• "Handy, easy banking." N Ireland; Professional, Scientific and Technical Activities
• "It's okay. They don't hassle me." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Costly on transaction and bank charges. They are quite high." Wales; Construction
• "It is just okay. It's nothing amazing. I just use them." N Ireland; Construction
• "It does the job. I haven't had any problems with it." Wales; Professional, Scientific and Technical Activities
• "Professional and adequate." Wales; Professional, Scientific and Technical Activities
• "They do the minimum that they can do to help. They are quick to charge interest when you are in trouble." Southern England; Information and Communication
• "Satisfactory. They deal with the transactions. Simple and straightforward account. Do what I want them to do." Southern England; Financial and Insurance Activities
• "Poor, I just do not think they are geared up for small businesses. They just do not understand small businesses." Southern England; Administrative and Support Service Activities
• "Generally quite responsive and understanding." Southern England; Construction
• "Good customer service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "On the whole, satisfactory for my purposes." Southern England; Education
• "Very easy to use. Serves all my needs. Ticks all the boxes." Scotland; Information and Communication
• "It is an average sort of bank." Wales; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The service is nondescript. They don't really push themselves." Wales; Arts, Entertainment and Recreation
• "They will help the big guys but when you are small, you are left on your own really." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I find banking with HSBC fair and functional, but not exceptional." Southern England; Construction
• "They do the job. That's it." Southern England; Information and Communication
• "It is fine." Northern England; Information and Communication
• "It does what I need. That's it." Northern England; Transportation and storage
• "A good bank to deal with." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate. They do what it says on the tin." Northern England; Construction
• "They are a good business and keep me up-to-date." Northern England; Other Service Activities
• "Probably the best benefit I see from them is that they provide me a loan since the start so it's available to me. They don’t trouble me and neither do I trouble them. It's just a small business so they don’t trouble me." Southern England; Accommodation and Food Service Activities
• "Just fine really." Northern England; Information and Communication
• "It's okay. It's normal. That's all." Southern England; Transportation and storage
• "From my point of view being a one man operation, they don't swamp me with phone calls. They are there when I need them. They have kept my account opened even though I am not trading at the moment." Northern England; Professional, Scientific and Technical Activities
• "[They're] really good, subject to management changes. The only negative is that we have had a recent change in business bankers that we deal with." Southern England; Professional, Scientific and Technical Activities
• "It could be cheaper, but I don't have no one to compare it with, that's all." Northern England; Education
• "[They] do okay, [it] depends on the personality in the branch." Southern England; Education
• "It works okay. I don't have to do much, and it provides me with the service I need." Southern England; Information and Communication
• "[It's] perfectly adequate. [I] have very simple banking requirements and it matches all those." Scotland; Professional, Scientific and Technical Activities
• "No complaints about HSBC, and they do their job efficiently." Northern England; Transportation and storage
• "From a transactional point of view, perfectly acceptable, but as with any bank [it's] [difficult] to obtain [an] overdraft finance to the required level." Southern England; Financial and Insurance Activities
• "It is just a very basic service. I just pay in and draw out money." Southern England; Professional, Scientific and Technical Activities
• "[It's] adequate." Southern England; Financial and Insurance Activities
• "They cover all my needs." Northern England; Construction
• "I don't really get any service, it is just charges." Northern England; Financial and Insurance Activities
• "[They're] just a normal business bank." Southern England; Professional, Scientific and Technical Activities
• "[It] does everything we need it to." Southern England; Transportation and storage
• "It is adequate, but not outstanding. My business is very small and I am sure HSBC is not very interested in my account." Northern England; Professional, Scientific and Technical Activities
• "Reliable, professional and adequate." Northern England; Professional, Scientific and Technical Activities
• "[I'm] satisfied with the service they deliver." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[It's] satisfactory." Southern England; Professional, Scientific and Technical Activities
• "It's fine." Southern England; Real Estate Activities
• "[It's] pretty good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[It's] adequate, but looking to move as they are starting to charge me." Northern England; Administrative and Support Service Activities
• "It used to be okay, when I had a personal bank manager." Northern England; Arts, Entertainment and Recreation
• "The service I receive from HSBC is simple and functional, which is what I want." Southern England; Financial and Insurance Activities
• "They are very good and not had a problem." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's just a bank where I put money in and get out. That's all." Northern England; Information and Communication
• "I would say very good." Southern England; Professional, Scientific and Technical Activities
• "They are quite good. They are very particular on giving loans to anyone." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Provides an acceptable service." Southern England; Construction
• "Moderate. Inflexible and not supportive to small businesses by charging fees for doing nothing." Southern England; Arts, Entertainment and Recreation
• "I would say they are adequate. Branches nationwide." Northern England; Professional, Scientific and Technical Activities
• "I find them very effective, as they do maintain good contact. They are giving information we request very quickly." Northern England; Real Estate Activities
• "They're good at clearing things and sorting things out, but when it comes to loans they're not lending money to small businesses." Southern England; Transportation and storage
• "HSBC have kept me within my business boundaries." Southern England; Construction
• "The service is adequate." Northern England; Arts, Entertainment and Recreation
• "It's very straightforward." Southern England; Arts, Entertainment and Recreation
• "Competent but overpriced. Charge for services three ways, instead of one way. For example, exchange rate, transaction rate and facility rate on FX transactions." Southern England; Administrative and Support Service Activities
• "It's good, but the charges are expensive." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Great, until they downgraded my local branch in [town]. That's it." Northern England; Professional, Scientific and Technical Activities
• "Adequate, [it] meets my needs and requirements." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate but [it's] expensive." Southern England; Construction
• "The service is pretty good but speaking face to face or getting an appointment is near impossible." Southern England; Construction
• "They are expensive compared to other banks for small businesses." Northern England; Accommodation and Food Service Activities
• "Very fair, no problem otherwise." Southern England; Agriculture, Forestry and Fishing
• "We find the service satisfactory for our needs and we have no complaints." Southern England; Information and Communication
• "Adequate." Southern England; Construction
• "They are okay, they don't give me any hassle. When you are on credit, it's like that. They're okay. We get on well with them, except for the overdraft. I don't want the overdraft, but I want one there, just in case. I have to start a job, and it's just pay as we go. It's cheaper for an overdraft, there [aren't] big bills." Northern England; Construction
• "Good, they do anything you want to do." Northern England; Construction
• "I have had no problems with them. Whenever I have a question or query, they are able to resolve the issue quickly." Northern England; Accommodation and Food Service Activities
• "The service is reasonable." Northern England; Construction
• "[They're] without problems." Northern England; Construction
• "It's a basic banking service." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I find it an adequate service for what I need." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay, just okay, overall okay." Wales; Construction
• "It's okay. [It] does what it's supposed to do." Southern England; Financial and Insurance Activities
• "[It's] easily manageable. It's easy to work things out." Southern England; Other Service Activities
• "[It's] fair. Except for that my branch closed. That was a real problem, not only for me, but for others I know." Southern England; Construction
• "They have a hands on approach. Good customer service [and] good communication." Southern England; Other Service Activities
• "Satisfied overall with [the] service." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "[They are] helpful in getting you started, but not so keen to keep you going." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I am very pleased with it. Well, it has excellent customer service." Southern England; Arts, Entertainment and Recreation
• "It's okay. [I] don't get much support from them for the business and the manager changes. So, [it's] not consistent." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Okay, [it's] average." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average. [A] lot of problems [when] starting, [it's] okay now." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I find it more than adequate." Southern England; Manufacturing
• "Well, it's pretty mediocre. I think they're pretty much [the] same as anyone else now. On the personnel side, we don't have our regional branch managers anymore. When [we have] problems, we don't have them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[It is] minimal. Could do more for small businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Good service." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It used to be very good, but now it's only adequate." Wales; Transportation and storage
• "The online service is very good, but I receive no face to face contact." Southern England; Manufacturing
• "It provides an adequate service." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Adequate. The less I hear from them the better." Northern England; Manufacturing
• "It's convenient. The pay in facilities are convenient." Southern England; Arts, Entertainment and Recreation
• "Very good, everything is fine with them. I am happy." Northern England; Accommodation and Food Service Activities
• "On-par. [I'm] not blown away by it but also not disappointed by it." Northern England; Professional, Scientific and Technical Activities
• "Satisfactory, it does what it needs to do." Southern England; Administrative and Support Service Activities
• "Pretty good, [I have] no more to say." Wales; Other Service Activities
• "Satisfactory for what I want, like straightforward facilities and a local branch. [It] is different from other banks. Other people are quite unhappy about it and have to travel a lot, I don't." Southern England; Information and Communication
• "Fairly good. I think the charges tend to creep up over time. Which I think is a phenomenon many banks exhibit commonly. What was free is now a charged-for service." Southern England; Professional, Scientific and Technical Activities
• "Purely transactional, [we] do everything online and that works fine." Northern England; Information and Communication
• "They provided satisfactory service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate." Northern England; Transportation and storage
• "It has always been clear, and simple to reach somebody when I need to speak to someone." Southern England; Financial and Insurance Activities
• "Adequate for my needs." Southern England; Financial and Insurance Activities
• "[It's] just ok." Southern England; Information and Communication
• "Very good. They certainly listen to any queries and advise accordingly." Northern England; Transportation and storage
• "Very convenient, and very efficient." Northern England; Arts, Entertainment and Recreation
• "Just about adequate." Southern England; Information and Communication
• "Adequate." Southern England; Arts, Entertainment and Recreation
• "Satisfactory." Southern England; Professional, Scientific and Technical Activities
• "[It's] difficult to get a hold of at times. Trouble with getting credit and debit cards and it was a long process. As a very small business, I don't like being charged for transactions and HSBC charges me. They should use a sliding scale that takes into account business size etc." Southern England; Administrative and Support Service Activities
• "Functional, it's no more or no less." Scotland; Professional, Scientific and Technical Activities
• "Perfectly satisfactory." Southern England; Real Estate Activities
• "Good." Northern England; Professional, Scientific and Technical Activities
• "Very minimal really. It's just a small business. I don't require much from them. They don't really offer much to me other than the basic services I need." Northern England; Professional, Scientific and Technical Activities
• "Adequate and helpful." Northern England; Transportation and storage
• "Adequate and nothing more." Northern England; Arts, Entertainment and Recreation
• "No complaints, very good and fast service. I do not like the interest on my deposit account, but I don't blame HSBC as it is like that across the banking sector." Southern England; Financial and Insurance Activities
• "Adequate. Not much of a track record, so far it's been okay." Southern England; Agriculture, Forestry and Fishing
• "The service is poor. [They] don't know how much money to charge your business account." Northern England; Accommodation and Food Service Activities
• "They don't do very much. [They] won't let me borrow money when I needed it." Southern England; Accommodation and Food Service Activities
• "[They] don't do anything." Northern England; Other Service Activities
• "Expensive. The cheque clearing charges are too expensive." Southern England; Administrative and Support Service Activities
• "Average. They don't do very much. They phone me, occasionally, to check up, but Barclays don't." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is very satisfactory. [I've] never had a problem." Northern England; Arts, Entertainment and Recreation
• "Adequate, because I feel like it is adequate. I don't feel, to be honest, to a small business, there is any difference with having a personal bank account. I would not consider it to be different from a personal bank account. The only reason I do not use my personal bank account is that it makes accounting easier." Northern England; Construction
• "[It's] barely effective." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is all I need." Southern England; Transportation and storage
• "[They're] very competent in providing [for] all [the] needs I've had in the past." Southern England; Arts, Entertainment and Recreation
• "[It's] very little, not very good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They've been] very good since the beginning." Northern England; Other Service Activities
• "Everything is fairly good. Good telephone banking for [my] business, [a] bit more security than other banks, which is good for businesses." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Not quite perfect but not far off. They've been very good to me." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[It's] overpriced. They charge you to pay cheques in, to pay in, and to withdraw." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's average." Northern England; Other Service Activities
• "[They're] okay." Southern England; Transportation and storage
• "Two weeks of service is good, so far. [I] only set [the] payment system up in [the] last few days. [I] haven't even paid [the] first bill, yet, so [I] couldn't really say." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[The service is] satisfactory, without being too demanding of their services." Northern England; Manufacturing
• "[They're] fair, generally, all around. It's only fair, because half the time [there's] knackered communication with them. Not the fastest response." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They're] good." Northern England; Transportation and storage
• "[They're] satisfactory, no problems." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is literally just a deposit account. It's fine." Northern England; Administrative and Support Service Activities
• "I think the Global Finance in place is a rip off, as I need to pay £50 for something I don't need. I don't like the charges per month and they have doubled in the last three years of business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I get on well with everyone. I've also gotten to know people there personally. They are very polite, nice people." Southern England; Agriculture, Forestry and Fishing
• "Nothing in particular. It's as good as any other high street bank." Northern England; Professional, Scientific and Technical Activities
• "The charges are quite high for what I get out of it." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Because of overdraft [it's] not always flexible. Sometimes [I] need [a] bigger overdraft while money sits in the trust account." Southern England; Human Health and Social Work Activities
• "[It's] completely adequate." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They're] adequate. I only use them for my very basic needs." Southern England; Arts, Entertainment and Recreation
• "It's pretty good. I don't deal with a lot, just pay cheques in." Northern England; Construction
• "I put money in and they charge me to do it." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "In a word, adequate." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They're] adequate for what we need." Northern England; Real Estate Activities
• "[It's] very adequate indeed." Northern England; Arts, Entertainment and Recreation
• "Greedy." Northern England; Arts, Entertainment and Recreation
• "They charge money on credit and I don't like it." Northern England; Arts, Entertainment and Recreation
• "Good service for the turnover and what you use it for." Northern England; Arts, Entertainment and Recreation
• "Acceptable." Northern England; Arts, Entertainment and Recreation
• "No problems. [They] don't bother me and I don't bother them." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just adequate." Northern England; Other Service Activities
• "They don't seem interested in the daily running or even the potential expansion of my business. I myself have completely lost faith in banks [in] general." Northern England; Agriculture, Forestry and Fishing
• "I do most of my work over the internet." Northern England; Manufacturing
• "Adequate." Northern England; Other Service Activities
• "It is an efficient service, I think." Northern England; Administrative and Support Service Activities
• "Their charges are expensive." Southern England; Arts, Entertainment and Recreation
• "Pretty good service. [I] haven't had great service at the previous bank. Since coming to HSBC they've been there when I've needed them." Scotland; Agriculture, Forestry and Fishing
• "It's adequate for my needs. I have simple needs and it's a simple service." Northern England; Agriculture, Forestry and Fishing
• "Fine. No problem at all." Wales; Agriculture, Forestry and Fishing
• "It is reasonably satisfactory." Northern England; Professional, Scientific and Technical Activities
• "They do their job satisfactorily." Southern England; Human Health and Social Work Activities
• "We've always been completely satisfied with them." Northern England; Agriculture, Forestry and Fishing
• "Everything is fine. They have always helped us." Northern England; Agriculture, Forestry and Fishing
• "Reliable, but not over-generous." Northern England; Agriculture, Forestry and Fishing
• "Quite proficient and quite helpful." Southern England; Construction
• "They're very good, but unfortunately we had our local one [moved]. Instead of being two miles away, they put it ten miles away and it's very awkward to get to. Other than that, I'm quite happy [but] it's a little bit awkward to get into." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's satisfactory but could be improved." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay." Northern England; Manufacturing
• "Good service, but expensive." Northern England; Construction
• "Generally, we are reasonably happy." Southern England; Construction
• "They could provide me with better service, in terms [of] loans and lending me money for business expansion." Southern England; Construction
• "I think it is an average offer to small businesses." Southern England; Manufacturing
• "Satisfactory." Northern England; Manufacturing
• "It does the job that's necessary." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do a reasonable job." Wales; Construction
• "I have no opinion, because I don't use enough of the services." Northern England; Other Service Activities
• "Seems to provide all the limited banking facilities that I need. The staff are always welcoming." Southern England; Administrative and Support Service Activities
• "They have very good facilities, the Internet banking is brilliant, and the staff are great, but the charges are just too high for my turnover." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Poor." Southern England; Agriculture, Forestry and Fishing
• "It is neither good nor bad. [It's] just average." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Okay, if they stopped charges, they would be better." Southern England; Transportation and storage
• "No hassle, very efficient." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate." Northern England; Agriculture, Forestry and Fishing
• "I think we get the absolute bare minimum, for what we pay for. Well, I just think that all these banks treat businesses like cash cows. They apply or keep adding charges, when they know we cannot do anything about it, apart from pay up." Southern England; Arts, Entertainment and Recreation
• "It does what it does." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is satisfactory." Northern England; Education
• "The banking service is fine. The only thing is their internet access. [You] have to login within a certain period, which is annoying." Northern England; Information and Communication
• "Pretty basic, nothing special." Southern England; Arts, Entertainment and Recreation
• "It's adequate, the over all service." Southern England; Professional, Scientific and Technical Activities
• "It's efficient and it does what it serves." Northern England; Accommodation and Food Service Activities
• "IN general I have had no problems." Northern England; Information and Communication
• "A good provision of self-service banking services." Southern England; Information and Communication
• "It's a very small business. For the small amount of transactions that go through the account, it's satisfactory" Northern England; Other Service Activities
• "They are fair. We get the service we need." Southern England; Construction
• "Adequate. For the small business, I don't think the bank has got an interest, unless it's over a specific turnover rate." Northern England; Arts, Entertainment and Recreation
• "They provide a good service, and I recommended them to my daughter." Southern England; Administrative and Support Service Activities
• "It does what it does." Southern England; Arts, Entertainment and Recreation
• "They meet my expectation of a high street bank." Northern England; Professional, Scientific and Technical Activities
• "Bog standard. That's all." Northern England; Information and Communication
• "Limited. I don't need a lot of the services as I am a small business, but I pay the same charges as someone who has a much larger turnover." Northern England; Professional, Scientific and Technical Activities
• "Absolutely fine for what I am looking for. The only down side is that they added charges which were not there to begin with. They changed their terms." Southern England; Financial and Insurance Activities
• "Fairly good, though the charges are too high." Northern England; Financial and Insurance Activities
• "Acceptable, but expensive for a small business." Southern England; Arts, Entertainment and Recreation
• "Efficient and timely. Everything seems to happen well. No difficulties with them at all." Southern England; Professional, Scientific and Technical Activities
• "I don't really have any dealings with the bank. I have very little contact with the business manager. I use [it] online." Northern England; Professional, Scientific and Technical Activities
• "It's okay." Southern England; Arts, Entertainment and Recreation
• "Just an average banking service." Northern England; Real Estate Activities
• "Adequate and responsive, with no problems on the business side." Southern England; Professional, Scientific and Technical Activities
• "They provide a professional and quality service, and I receive everything you would expect from a business bank." Southern England; Professional, Scientific and Technical Activities
• "They are quite reliable." Southern England; Professional, Scientific and Technical Activities
• "HSBC are friendly and approachable." Northern England; Administrative and Support Service Activities
• "It's an average support. I don’t see it as being either terrible, or brilliant." Southern England; Administrative and Support Service Activities
• "Professional but expensive, and a bit impersonal." Southern England; Information and Communication
• "Satisfactory." Northern England; Construction
• "Adequate." Northern England; Professional, Scientific and Technical Activities
• "The website is good, and easy to use." Northern England; Education
• "Very approachable. If there are any financial problems they are always on hand to help." Wales; Human Health and Social Work Activities
• "The first 18 months are free banking, and there are ways of avoiding paying charges after that. It's brilliant for me, and the personal service in branch is excellent." Northern England; Human Health and Social Work Activities
• "It's pretty straightforward and easy to use." Southern England; Professional, Scientific and Technical Activities
• "Approachable and provides for all my needs." Northern England; Education
• "It's good, other than the charges." Southern England; Information and Communication
• "Quite an average service." Southern England; Transportation and storage
• "Average, standard banking." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's satisfactory, it does the job." Southern England; Other Service Activities
• "They are helpful, in terms of giving advice." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Reasonable customer service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfactory." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just a bank. I'm non-plussed about banks." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They charge just for having an account with them. I wanted to change, and when l looked on the internet all the other banks were doing the same." Northern England; Manufacturing
• "Provide a very competent service for what I need." Northern England; Other Service Activities
• "They could improve the service by looking after the accounts." Southern England; Construction
• "They've done everything we've wanted them to do up till now, and are adequate for all our needs." Wales; Other Service Activities
• "It's adequate. It does what it needs to do, nothing special." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's not been free of problems." Northern England; Arts, Entertainment and Recreation
• "Average. They could improve some of their ranges and costs." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Unhelpful." Southern England; Real Estate Activities
• "The banking is satisfactory. Although it's open on a Saturday, there are no counters open. I am allowed to use the machines, but it's shut basically." Northern England; Other Service Activities
• "Well, they've not been very helpful over the years." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "My main concern with them is they use an Indian call service and I don't understand what they're saying." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good. They do what I want and need." Northern England; Financial and Insurance Activities
• "I mainly use online so they're fine. They recently started to charge [a] monthly business charge which isn't fair. I'm always in credit, I don't use branches, and I always pay in cheques, but still get charged £5.50 a month. The online site is pretty good. Access to them is fine e.g. through telephone banking." Southern England; Arts, Entertainment and Recreation
• "Very professional." Southern England; Manufacturing
• "It's a bank, I just use it as a bank. I don't use a great deal of services." Northern England; Construction
• "Service is adequate. Online service [I] am happy with." Southern England; Transportation and storage
• "Tend only [to] use them for online banking. The online banking is clunky and there are security issues, like they must have had attacks on their website making it all slow and clunky, which makes it quite difficult to bank with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very helpful on occasions in some circumstances. Few areas they can improve." Northern England; Arts, Entertainment and Recreation
• "They have been helpful when [I] needed assistance." Northern England; Financial and Insurance Activities
• "I would say they would be giving me good and fair advice. I was very lucky to have the overdraft facility. My business manager at the time helped me after that they cut the services down. It does what it needs to do. I do Internet banking. It's a big help to see what you're doing and see in and out. They don't give me money. My credit card and overdraft have a good facility." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They provide a good streamlined service. One person decision-making. Appreciate having a named account manager and not being shuffled around various staff members." Southern England; Human Health and Social Work Activities
• "Service is adequate. Basically, they won't go any further than is required legally, and don't provide anything they don't charge for. Make mistakes." Southern England; Professional, Scientific and Technical Activities
• "Think the costs are a little bit dear." Southern England; Construction
• "I can actually pop into the bank nearby and they know me." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They'd fleece you at every opportunity, that's my attitude to all banks. They're a necessary evil that I must tolerate." Southern England; Real Estate Activities
• "Quite efficient. We very rarely need to contact them. It gives [us] what we need." Wales; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Straightforward service that suits me. I can park just outside the branch easily, which is nice when you are doing business." Wales; Professional, Scientific and Technical Activities
• "They are quite good on communication, and they have been helpful. They do keep in touch with us, and make things as easy as possible." Southern England; Financial and Insurance Activities
• "It's alright." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very friendly and very helpful. Don't have any problems with them." Southern England; Professional, Scientific and Technical Activities
• "I find HSBC functional and provide the basic level of service. It would be nice if they would be more proactive to help me develop my business." Northern England; Administrative and Support Service Activities
• "I've not encountered any problems. Telephone banking was good but got worse. They are moving people to online transactions." Southern England; Arts, Entertainment and Recreation
• "They just don't cost, that's all that I can say. Their customer service is ok." Northern England; Construction
• "Quite satisfactory and they are quite helpful." Southern England; Professional, Scientific and Technical Activities
• "I would just say I'm satisfied with online banking and reasonably satisfied with customer service. They are not proactive." Southern England; Financial and Insurance Activities
• "The service is good, but could be better." Southern England; Information and Communication
• "I would say they are fairly reasonable, but they could be a bit more lenient in terms of unauthorised overdraft. For example, if a cheque needs to clear and the account is £10 short it will bounce even though the majority is in there." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service charges are getting very expensive." Northern England; Construction
• "The service is adequate, nothing stands out." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I don't hear from them." Southern England; Transportation and storage
• "Adequate bank account, what it does, but would like to speak to business manager." Southern England; Professional, Scientific and Technical Activities
• "Fairly helpful. All banks are out to screw you, but in my experience, HSBC are better than the others." Southern England; Human Health and Social Work Activities
• "The account runs smoothly with little difficulties." Southern England; Financial and Insurance Activities
• "It's okay. A little bit impersonal." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I like the fact that they are an international bank, so I feel my money is safe. My accounts are efficiently run. I have never known or spotted a mistake yet." Southern England; Human Health and Social Work Activities
• "They have good customer service, apart from closing my local branch." Southern England; Accommodation and Food Service Activities
• "It is basic and functional. Their agricultural team does some good and relevant articles." Southern England; Agriculture, Forestry and Fishing
• "Nothing is exceptional. They charge too much. They offer no support and they charge for services that should be free like cash withdrawals, which is ridiculous." Southern England; Arts, Entertainment and Recreation
• "Very difficult really to say, it's as good as any other bank. It doesn't do anything better than any other bank, I have tried them all. Friendly and helpful counter staff." Southern England; Financial and Insurance Activities
• "Generally poor. They've taken off interest rates. If you go over, the charges rack up quickly. Shouldn't do it, not authorised." Northern England; Manufacturing
• "It does what it is meant to do." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I use the branch services a lot. There is a good friendly working relationship with the branch staff and the branch manager. Most things can be resolved without going any further." Northern England; Arts, Entertainment and Recreation
• "Standard banking." Northern England; Construction
• "I get what I need, which is, to be honest, Internet banking and ATM service. That's all I need." Northern England; Professional, Scientific and Technical Activities
• "I would like them to scrap fees for SMEs. Business advisors needed in branch and on the phone. I want to be updated with new products and services. I don't get any contact from the bank." Southern England; Professional, Scientific and Technical Activities
• "Don't have much to do with them. I don't need to go in branch as customers pay all invoices into my bank account." Wales; Information and Communication
• "It's a good bank, but I only get partial service. For the full service I have to move to the city branch." Southern England; Manufacturing
• "HSBC previously allowed me [to] go over overdraft with no issues. Now they will contact me even for £5 over." Southern England; Manufacturing
• "I feel they do the job efficiently, and they don't give me hassle." Northern England; Transportation and storage
• "It is a normal bank account that I use." Southern England; Professional, Scientific and Technical Activities
• "Fine. Bit of a pain with the way you have to pay money in. With HSBC you have to fill out a form to put money in." Northern England; Construction
• "Very friendly. Approachable. For me, quite convenient. Within a 100 yards of where I work. They listen and have taken a personal approach." Southern England; Professional, Scientific and Technical Activities
• "They are reasonably okay." Wales; Other Service Activities
• "The cashiers are good, but everything else isn't [all that] great." Southern England; Human Health and Social Work Activities
• "They are okay, but the customer service on the phone is slow." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite happy with it." Northern England; Administrative and Support Service Activities
• "There's always somebody at the end of the phone if you need them. Online [banking] is easy. Someone [is] always available to help in branch, but business charges are being inflated in December." Southern England; Other Service Activities
• "I have little to do with them. They just send me statements. Neither good nor bad, a pretty distant relationship." Southern England; Professional, Scientific and Technical Activities
• "I think it is very efficient." Northern England; Other Service Activities
• "It's always been very satisfactory." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I hardly have any dealings with the bank at all. Rarely speak to them." Northern England; Education
• "Very good. I like the local branch. Staff are helpful. I don't like their call centre." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very good at helping me when I don't need them, and they are not very good at helping me when I do need them." Southern England; Professional, Scientific and Technical Activities
• "Well, at the moment, it's not very good. It's difficult with my product. There's no one on the market at the moment. Trying to get more investment." Southern England; Administrative and Support Service Activities
• "Because I am such a small business, I do not think they are interested." Southern England; Human Health and Social Work Activities
• "They are satisfactory." Southern England; Human Health and Social Work Activities
• "Very pleased with the service, but usually very busy. Hard to get to see a bank representative." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfactory. Basically, the money goes in and out, and I have no problems. Reasonable charges for a small business." Northern England; Arts, Entertainment and Recreation
• "The bank is okay." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Customer communication is poor because everything is computerised. I want to talk to someone over the phone. I don't get much feedback from them. When you work for yourself, don't have time." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Ordinary." Northern England; Professional, Scientific and Technical Activities
• "The online is fantastic, and is all that I do to deal with the bank, so I cannot rate the other services." Southern England; Financial and Insurance Activities
• "They're okay. I like the counter service." Southern England; Professional, Scientific and Technical Activities
• "They give you notice if you're going too close to your overdraft, and they can be flexible." Southern England; Construction
• "The one thing that I do get annoyed about is that you cannot speak to people about your account. You used to get a bank manager and they knew your account, and they knew you as a customer. There is no personalisation anymore." Northern England; Transportation and storage
• "Think it is fair. Would not think it is any better than that." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "You get good service, and they look after you." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They perform satisfactorily without giving an exceptional service." Northern England; Financial and Insurance Activities
• "I don't have any other business account to compare them with." Southern England; Agriculture, Forestry and Fishing
• "It is a good general business bank. They have been helpful when I needed help from them and they are straightforward, but there is no free business banking." Southern England; Human Health and Social Work Activities
• "The only thing I do not like is the charges for small businesses." Wales; Manufacturing
• "Generally good, but since HSBC introduced bank charges to all customers in 2013, I am more disappointed with the service." Northern England; Professional, Scientific and Technical Activities
• "About the same as other banks." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Efficient, but I wish they didn't charge bank charges." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's probably sufficient. I think the charges are very high and it's not easy to get through to talk to someone when you need advice, rather than the automated service. It would be an advantage if there were any issues and they would be able to deal with any problems quickly." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It used to be very good, because it was localised. It is now all done from away. The bank itself is local, which is handy. They have been good over the years, but I feel that everything has become centralised and you don't feel as if the bank knows you anymore. The only complaint I had was that they moved everything, like the mortgages. Nothing is done locally." Northern England; Transportation and storage
• "I'd say there is little to choose between them. I have no problems with HSBC. My main concern about business banking is that I haven't discovered any deposit accounts to business reserve that pays additional interest, and I'm not sure if it would make much difference if I moved bank." Southern England; Professional, Scientific and Technical Activities
• "It's okay, but it's the charge which annoys us more than anything else. They always charge us for a few bits and bobs we do. We pay out money, yet they charge us." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's fairly good for the size of my company. I'm satisfied with the open advice when I have needed it." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's easy to use. Does exactly what I need it to do. It's got a full online capability and the security seems reasonable." Southern England; Other Service Activities
• "It's the charges that I disagree with, but I have to pay them so I pay them." Northern England; Construction
• "It's associated with a company that has been found guilty of money laundering in South America, so it's not very well, but otherwise the service is exactly what I expect from it." Southern England; Professional, Scientific and Technical Activities
• "I think the customer support is pretty good. Their fees are reasonable. Financial advisors are quite informative." Southern England; Construction
• "They have started to charge for current account services." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very satisfactory. Very good support for small businesses." Northern England; Information and Communication
• "They are okay, but they are not very proactive." Southern England; Information and Communication
• "Basically, if I wanted a loan I would have to go about 10 miles to a branch whereas in the local one, they only deposit cash." Southern England; Transportation and storage
• "Efficient, and it's a good service." Southern England; Information and Communication
• "Yeah, they're not bad, but they don't lend money to invest in business." Southern England; Transportation and storage
• "It is satisfactory." Northern England; Professional, Scientific and Technical Activities
• "They are reasonable, but I'm not happy with the charges." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It does what it says on the tin. Satisfactory." Southern England; Professional, Scientific and Technical Activities
• "we have so little contact with them that there is nothing to describe." Southern England; Professional, Scientific and Technical Activities
• "I have very little dealings with them, and just use them to bank money in." Northern England; Arts, Entertainment and Recreation
• "I don't really use it that often. I pay cash a lot of the time." Southern England; Manufacturing
• "Like all banks, they say one thing first and do something else. They are not as good as they say." Northern England; Financial and Insurance Activities
• "They have got more supportive as we have grown as a business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I find it very good. I am with them because I have to deal internationally. I think they are the best to deal with internationally." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "When needed they have been helpful, but all banks [are] like [that] for anything and everything and everything they charge for, which I am not happy [about]." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are alright. I would like to see more personal service." Northern England; Education
• "Good for my use. You can look at the telephone banking and they tell you the transactions that are due to come out." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "All the banks are the same. Be careful with what you do." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mostly average. I'm not happy with the charges and fees." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would tell them my situation. Go to a bank where you can achieve a personal relationship with the manager." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are good. I have no complaints. If I have any problems, they sort it out quickly." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very professional and standard level of services." Wales; Professional, Scientific and Technical Activities
• "I have no real opinion. I just pay the money in that I need to, and that's it." Southern England; Administrative and Support Service Activities
• "Satisfactory, because you can't use it direct, you have to [go] to a bigger branch, and I don't like not having their phone number." Southern England; Education
• "Absolutely minimal. We don't bother each other. Pay in cheques." Southern England; Administrative and Support Service Activities
• "I think the service is good, but I think the service in general is overcharged." Southern England; Information and Communication
• "They let you get on with it. All online. They are very hands-off. That suits me. They [are] also very apt at spotting issues relating to fraud." Southern England; Financial and Insurance Activities
• "They are very solid. Not very flexible, but very good at the things they do." Southern England; Information and Communication
• "They're okay. Everything I ask them to do, they do it." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do everything I need them to for minimal cost. They just do what they need to. I don't actually deal with them directly, I just do it all online." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very helpful when I go in there. Staff are very polite and they make you feel welcome. If you have any queries they won't let you leave until you are happy." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are like any other bank. I wouldn't say they like to do me any favours. When I was struggling financially they turned me down. They thought I was too big a risk." Southern England; Agriculture, Forestry and Fishing
• "It's fine. Nothing I would shout about. There's a few hidden charges that could be explained clearer." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Nothing special. I'm aware of other banks that are trying harder to satisfy their customers, new banks. I've heard of glowing recommendations about First Direct and Metro Bank. I'm only with HSBC for historic reasons, and they are there on the high street. Metro Bank is one I would consider, but not yet opened near enough to me." Southern England; Information and Communication
• "It is nondescript. No contact. They don't contact me and I don't contact them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good." Southern England; Human Health and Social Work Activities
• "Fairly good, but never give any interest when in credit." Southern England; Construction
• "I don't think I get any real service from, them so it's very difficult to say as my involvement was minimal." Scotland; Arts, Entertainment and Recreation
• "Excellent online service." Northern England; Financial and Insurance Activities
• "They do what they are supposed to do." Southern England; Professional, Scientific and Technical Activities
• "Use the bank for depositing and cash, that's all, and it's simple." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Good and hands-off. They don't pester me." Southern England; Professional, Scientific and Technical Activities
• "Very good, really. Very satisfactory." Southern England; Administrative and Support Service Activities
• "Fine and satisfactory." Southern England; Human Health and Social Work Activities
• "They were pretty good. The way I run my business does not require a massive amount of input from the bank services available. It's just a bank, so there is nothing good in particular. So if I had more employees, I would use more services. It is merely a place where I keep my money. If they opened on a Saturday, that would be good." Northern England; Other Service Activities
• "Quite amenable and generally friendly. Taking over it was quite painless, which makes a change." Southern England; Construction
• "The transactions are handled well but apart from that they are not particularly interested in small businesses." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do what they [are] supposed to do. Banks are in the game of making money." Southern England; Information and Communication
• "Satisfaction. I don't have a problem with them. They're very good." Northern England; Administrative and Support Service Activities
• "Most of the time it's been okay, but there have been a couple of glitches where I've been unhappy with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay. Fine in terms of services." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Internet banking is great. Wish it was cheaper." Northern England; Financial and Insurance Activities
• "I suppose because I'm very small I don't think the charges are fair for such a small business. Generally speaking, the support and friendliness of the staff is fine. It is just the charges." Southern England; Agriculture, Forestry and Fishing
• "It is adequate. It is a simple business and I do not have any trouble with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fairly good. They do what I ask." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "When you put [a] cheque in or pay something or withdraw you get charged." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are a modern business that is world commanded. Personal service of the bank has disappeared. It is not a profit making machine." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Helpful and reliable. When I go into the branch, they know my face." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Seem to be running fine. Charges might be a bit too much." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Initially I was very happy, but they seem to be putting up charges on business banking, which is having an effect on me." Northern England; Human Health and Social Work Activities
• "I don't really deal with them that much. They are quite good if you ring them. You're not on hold, you're straight through to someone. If you start an account you don't get any charges from the bank which is good. The only downside is because I'm not near a city the local HSBC is only open 10am-3pm and they don't have business banking so I would need to make an appointment every so often for meetings. You have to book so far in advance they don't have many business account managers." Northern England; Professional, Scientific and Technical Activities
• "Basic, because they just provide a standard bank account with my company name." Northern England; Professional, Scientific and Technical Activities
• "Just does its job. At the moment, suitable for my business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're quite simplistic, but it all works." Northern England; Information and Communication
• "Difficulty in sorting out smaller items to do with the business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are quite good, but they keep closing branches." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would recommend them because they are local to me and I am quite happy with them. They are on my doorstep so it is very handy." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Very expensive charges, and difficult to speak to anybody if you have a problem." Northern England; Agriculture, Forestry and Fishing
• "Fair and quite good." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are not very functional. Possibly slightly inadequate and lacking in places." Southern England; Construction
• "I've dealt with them at arms length, and they've been very efficient." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They give me adequate services. The bank charges are making me look elsewhere." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are all the same as each other." Southern England; Manufacturing
• "It's just a bank. It processes cheques." Southern England; Professional, Scientific and Technical Activities
• "It works for what we do. I wouldn't say it gives us any less than that, and it certainly doesn't give us any more than that. My opinion is that they don't even know we're here. They don't understand our business at all." Southern England; Human Health and Social Work Activities
• "It's like all the big banks, they're not too interested in small businesses." Southern England; Agriculture, Forestry and Fishing
• "They seem very good. We have been with them for about 6 or 7 years." Southern England; Arts, Entertainment and Recreation
• "Certain aspects of the bank are quite good. Other aspects are not. Counter staff quite good. Charges are quite expensive. Card transactions not so good." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very convenient as they are local and they cover all the requirements of my banking services. I've been with them for 40 years and don't expect to change any time soon." Wales; Manufacturing
• "They don't charge, so I'm happy with them." Wales; Construction
• "As I don't deal with them much, I can't comment. They do what I ask them to do." Northern England; Construction
• "It's okay." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I just put money in, I don't have much to do with them. Not much contact." Northern England; Accommodation and Food Service Activities
• "They do what a bank needs to do at a reasonable cost." Southern England; Accommodation and Food Service Activities
• "I would just say I have been with them for several years, I class all the banks just the same." Southern England; Information and Communication
• "They should have dedicated business managers. I don't do anything special with them." Southern England; Construction
• "Averagely efficient and they do what I need." Southern England; Professional, Scientific and Technical Activities
• "I don't like the charges." Southern England; Professional, Scientific and Technical Activities
• "Expensive. I still get charged and [I've] never been overdrawn." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very good. My branch is very good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They are] distant. They could make their online banking a bit easier." Southern England; Manufacturing
• "[I feel] that their services [are] not good at all." Southern England; Construction
• "I have been with HSBC for eighteen years now so they could look at rewarding loyal customers with a lower interest rate instead of putting them up for these new customers." Southern England; Construction
• "I don't really see much, it's just a service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They offer Internet banking on current accounts." Southern England; Manufacturing
• "Adequate. They bank my money and I get a bank account. They do everything that I ask them to do." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I have always had great service from them." Southern England; Other Service Activities
• "Used to be that I had someone I could speak to and now it is call centre driven. Like any organisation now, it is cutting costs on its customer service. It is horrific, really. Scripted staff. No flexibility to have a conversation." Southern England; Information and Communication
• "The service is okay but they charge you for doing everything which as [we are] a small business that works out as money for doing nothing." Southern England; Construction
• "HSBC have been very good and professional, easy to deal with, [I] would recommend [them]." Southern England; Administrative and Support Service Activities
• "Again, it's good, but the online banking isn't great." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's efficient. Doesn't cause me any problems at all." Northern England; Transportation and storage
• "All I get is bank statements. It's okay." Northern England; Construction
• "Basic with job he has, no more, no less." Northern England; Administrative and Support Service Activities
• "Adequate. Good at what they do. Pretty basic and simple. Run of the mill." Northern England; Information and Communication
• "The service is perfectly adequate. I have minimal requirements which are met. The service is fine." Northern England; Financial and Insurance Activities
• "I'd say it's not too bad but could be better." Northern England; Transportation and storage
• "I get free banking. They are quite convenient because they have online banking which I use." Northern England; Real Estate Activities
• "It's fine." Northern England; Manufacturing
• "It is interesting. When I first moved service [it] was very good and I now have to pay for Internet banking. I do feel that the charges are high for what I get. I do have an overdraft facility for a cash flow issue and certainly the fee involved was well over and more. Internet banking is very good. The bank is three miles away and no parking for the customer. Customer should come first. The staff don't know what they are doing. Business manager left, no one told me he was leaving. I think that is very ignorant." Northern England; Transportation and storage
• "Low level user. Not very active user. Satisfactory." Northern England; Real Estate Activities
• "I feel they are expensive and I don't trust any banks after all the scandals, though they provide a service." Northern England; Information and Communication
• "They offered me the best rate and took time out to come and see me." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They keep us informed about everything that goes on. I do internet banking which makes life very easy." Southern England; Construction
• "They are a bank we have been with a long time, and are probably no better or worse than the others." Southern England; Professional, Scientific and Technical Activities
• "The charges are quite high, and are on a fixed rate and when compared with my turnover [they are] not good. I also feel that some of [the] charges are unnecessary. Their commercial card works well though. I also get regular reports and the online system works well." Southern England; Education
• "I don't get much service from the bank. I don't ask for much. When you use the website it's efficient and safe. I'm happy with it. They don't provide me with much. What I want, I get." Southern England; Information and Communication
• "They are right now giving a friendly helpful service. [He] can actually appreciate being able to speak to people, rather than online. Bank allows him to do so." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I haven't really used the service that much. It is adequate and does the job." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very helpful and look after you." Southern England; Arts, Entertainment and Recreation
• "It's good." Southern England; Other Service Activities
• "They are just providing a normal service, they are neither good nor bad." Southern England; Accommodation and Food Service Activities
• "They think it's okay, no problem. Although problem with trying [to] recognise international transaction in Libya. Refused to do because [it was] in Libya." Southern England; Human Health and Social Work Activities
• "They are okay. They don't charge for the first 18 months." Southern England; Human Health and Social Work Activities
• "I am unhappy with the music they play in their branches, it's really annoying. Everything's okay. My business is so simple I don't deal with them that much." Southern England; Education
• "[We had a] very good account manager, then she got promoted, [and] the new account manager was terrible." Southern England; Human Health and Social Work Activities
• "Sufficient for my needs." Southern England; Manufacturing
• "They have no issues for the moment, online works well." Southern England; Financial and Insurance Activities
• "I just use it. It's hard to explain. It does alright. They do what they do. Money goes in and money goes back out." Southern England; Construction
• "It is very efficient. Nothing has gone wrong, but we don't like the charges. So if we see any other bank with better charges, then we'd change." Southern England; Arts, Entertainment and Recreation
• "[It is] average, [I am] satisfied." Southern England; Professional, Scientific and Technical Activities
• "They're always there. They give me an email to see if everything's okay." Southern England; Arts, Entertainment and Recreation
• "They've a lot of bank charges. It's all okay." Southern England; Financial and Insurance Activities
• "Not very good, but all banks are the same" Southern England; Information and Communication
• "Doesn't help at all. Only have contact rarely." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are perfunctory. The main attraction is their global reach." Southern England; Information and Communication
• "They are fast, efficient and helpful." Southern England; Administrative and Support Service Activities
• "Communication and online banking are quite satisfactory." Southern England; Professional, Scientific and Technical Activities
• "Everything is okay. Don't have any problem with credit card. Problem solver." Southern England; Administrative and Support Service Activities
• "They do the basics very well. I don't use them in any other way. To summarise, I think I chose them at the time because of their online banking service. I can't compare them with other banking services which are better." Southern England; Professional, Scientific and Technical Activities
• "Very good for start-up businesses as they are cheap." Southern England; Administrative and Support Service Activities
• "Fits me perfectly. Adequate." Southern England; Professional, Scientific and Technical Activities
• "Average. Don't get any proactive communication." Southern England; Professional, Scientific and Technical Activities
• "Happy to access the facilities of online banking." Southern England; Arts, Entertainment and Recreation
• "I'm doing everything on my own on the internet. The only thing is I cannot talk to people face-to-face abut my account changes." Southern England; Human Health and Social Work Activities
• "I don't have a lot to do with the bank as I don't have an overdraft. I just use it for putting money in and taking money out." Southern England; Manufacturing
• "It's efficient and internet-banking focussed which. It's cheap. They introduced a monthly rate not long ago, and I looked around, and this was the cheapest one. If I ring up I speak to a person, which is nice, and there are branches everywhere if I do have to go in with a cheque or something." Southern England; Other Service Activities
• "Average, nothing stands out." Southern England; Human Health and Social Work Activities
• "They do the basics, standard current account, commercial card services. Good online platform, secure. They respond quickly to over the phone enquiries. Had a situation with a short-term overdraft. It was a real hassle to get and cost a huge amount of money for a short-term period. Offering support when needed isn't there, they just offer the basics. When you want anything else, it costs you more." Southern England; Administrative and Support Service Activities
• "Good. No real issues. Many years service without problem." Southern England; Transportation and storage
• "Had no complaint at the moment." Southern England; Construction
• "Moderate. Nothing else to say." Southern England; Professional, Scientific and Technical Activities
• "They are very good at doing electronic banking, but they are not so great when you go in the bank." Southern England; Transportation and storage
• "They service the account. They don't have a branch phone number." Southern England; Administrative and Support Service Activities
• "Negligible. There's nothing they can help me with apart from giving me the money. When I go in, I have to waste my time educating the people. They don't know what I'm talking about and dealing with foreign currencies." Southern England; Other Service Activities
• "Online banking is very good. Has a BlackBerry app, it's good. Only really uses online banking, and uses no other forms of banking." Northern England; Financial and Insurance Activities
• "Unnecessarily expensive. The thing I rated them low on is it is a small business. They offer all these services but they charge a flat fee per month regardless of the amount of transactions. I do everything online. I only use them to process transactions, and they charge me every month." Northern England; Other Service Activities
• "Fine. They hold money for me and let me put it in and take it out. They do what they are supposed to do." Northern England; Information and Communication
• "[They are] fine [but] hands-off." Northern England; Accommodation and Food Service Activities
• "They are okay. I think the fees for cheques are a rip-off, but all the banks are the same, but again, I only use the current accounts for payments." Northern England; Education
• "They're there if I want them, they're there for back-up. From a business point of view, I get statements but I've never had to call on them for advice, so it's very difficult to pass comment. We don't get as much business as we used to. I've been with them for 45 years, and I've been in business for 20 years on my own now." Northern England; Arts, Entertainment and Recreation
• "They never had any complaints. Years ago loan. Been fine in general over the years." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Banked with them for years with the family business so they must be doing something right. Only thing I am disappointed about is that they've shut down my local branch so now I have to go into [the]next town to cash money from my milk rounds." Northern England; Agriculture, Forestry and Fishing
• "I would say decidedly average. You can't really say anything when you have only one bank, so you can't play one against the other. It does the things I ask them to do and that's it." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Gives the standard service expected." Northern England; Construction
• "In terms of the day-to-day banking it's very good. However, advice on saving accounts is poor. Neutral at [the] moment." Northern England; Education
• "They've been bad at getting in touch. No support whatsoever as she is a new business." Northern England; Administrative and Support Service Activities
• "The service is generally fine. Not so happy with unwanted advertising and calls. On the whole, I'm very happy. I do trust in them. I'm happy in general." Northern England; Arts, Entertainment and Recreation
• "They provide the basics for what we need. They have a fee for small businesses which they shouldn't have in the first few years I think." Northern England; Professional, Scientific and Technical Activities
• "[They are] middle of the road. With small business you can get accounts which don't charge. I don't think I'm getting that with HSBC." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "To be honest they don't do anything for me. It's convenient and it's close, just behind my shop, so that's why I go." Northern England; Other Service Activities
• "The provide assistance to my business. At the end of the day, I have had problems with them, but their service fulfils my expectations." Northern England; Financial and Insurance Activities
• "They don't have enough people in the branches, they have automated services too much. I cannot deposit cash without charge, and that's a big minus. On the plus side, they are not on my back all the time." Northern England; Manufacturing
• "It does basic banking and nothing is done particularly well or particularly badly." Northern England; Other Service Activities
• "They would be prepared to loan money to people who don't need money loaned to them. They don't want to take so many risks." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The overdraft is very limited. It's there if I want it, but they won't increase the overdraft amount. Apart from that, I'm quite happy with them." Northern England; Transportation and storage
• "Fairly happy. No problem. Been with them for years." Northern England; Manufacturing
• "[They are] reasonable, nothing out of the ordinary." Scotland; Other Service Activities
• "It is very tailored to what my business needs. The way it operates is easy to use and there are no unnecessary complications. It runs smoothly." Scotland; Other Service Activities
• "More than adequate with access to business managers when necessary." Scotland; Professional, Scientific and Technical Activities
• "On the whole, they are fairly efficient but their attitude towards small businesses in regards to lending could be better. It's better than it was but they are too much dictated by rules and they don't offer much flexibility. Their attitudes towards small businesses are completely inflexible. They offer no help as far as mortgages are concerned. The mortgage adviser had no understanding of what a dividend was and he allegedly was a specialist." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It is reasonable. It is always easy to find an HSBC branch." Southern England; Other Service Activities
• "Got to transfer money over accounts constantly. Should be a more efficient service. Too computer-oriented. Does not like using computers." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's absolutely fine." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Perfunctory. Basically all banks don't help SMEs." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I just use it as a deposit account, but they have been very professional in my dealings, and reasonably efficient." Southern England; Administrative and Support Service Activities
• "I'd say it's friendly and understanding." Southern England; Arts, Entertainment and Recreation
• "It is a necessary evil. They should reduce charges." Southern England; Construction
• "Not as good as Barclays. Too many charges and too many branches closing." Southern England; Information and Communication
• "I would say the service is efficient. I feel their charges for paying in cash are excessive." Southern England; Transportation and storage
• "I'd say very basic. Just a deposit account, mainly." Southern England; Human Health and Social Work Activities
• "[They are] distinctly average." Southern England; Construction
• "Adequate." Southern England; Professional, Scientific and Technical Activities
• "I don't like the Internet, I like to speak to humans. I like to speak to people. I do have my relationship manager, and when I go into the bank they know who I am. I like that better than doing things on the computer. People can help me when I show up at the branch, they do know me. I like the personal touch." Southern England; Accommodation and Food Service Activities
• "Crap. Bank wants to make as much as they can from customers. Cheating and robbing [profanity]." Southern England; Construction
• "Easy to use. Straightforward. Telephone contact is poor." Southern England; Human Health and Social Work Activities
• "They don't really have much contact. Would recommend. [Been] with [them] for the last 18 months." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The haven't messed up much. Very difficult to get hold of telephone banking-wise." Southern England; Arts, Entertainment and Recreation
• "Definitely need to improve. Can't get hold of bank manager. Very difficult to get hold of the person who is a decision maker." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They are] a basic credit card supplier." Southern England; Arts, Entertainment and Recreation
• "I never go in the branch, and I do everything on Internet banking." Southern England; Construction
• "Wouldn't go out of my way to join such a situation. Put rates up recently, which is a bit naughty. Should [have] left [it ]as [it] was. Changing in November." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "In general [I] feel it's satisfactory. No real issues. Not much direct contact with [them], just charged a monthly amount on account." Southern England; Professional, Scientific and Technical Activities
• "It's good and straightforward. It's easy, really. The online is very good. Very easy to manage." Southern England; Human Health and Social Work Activities
• "To be truthful, we don't bother them. We don't ask anything of them. We don't need to go [to them] for anything. They are pretty good, they let us get on with things." Southern England; Professional, Scientific and Technical Activities
• "It has been fine, but when it comes to asking for money they ask for a business plan, which takes up a huge amount of time." Southern England; Transportation and storage
• "They are reasonably efficient but quite expensive. That is all I have to say. They do the job. Average, no more or less. Charges quite high." Southern England; Other Service Activities
• "They are fairly good. They charge too much interest." Southern England; Transportation and storage
• "They tell me how to understand the niche of my business." Southern England; Transportation and storage
• "It is pretty good." Southern England; Construction
• "Satisfactory for receiving payments and about once a year someone calls me. My account manager checks in to see how happy I am, which seems like a waste of time. Other banks host networking events where they introduce business clients to each other. I'm a product designer and they should have clients who may want to be introduced to me." Southern England; Manufacturing
• "Good on normal banking activities. For example, payments and online arrangements are good, but they're not so good for anything above and beyond the basic services." Southern England; Transportation and storage
• "We are not a large business but it suits what we need." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Fine. I have never had to borrow money. Recent charging puts my opinion down. Previously all banking was free, though I think other banks have always charged." Southern England; Education
• "Very good. They don't bother you all the time the way other banks do, which is good." Southern England; Administrative and Support Service Activities
• "They are generally very good, but they have not increased the credit on my company credit card, even when [asked]. They do not provide a debit card, and they refuse to increase my limit." Southern England; Accommodation and Food Service Activities
• "It is just there. I don't need anything. You can't compare it to anything else. I just have had the bank [account] with HSBC." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're average. All banks are banks, and they're all the same." Southern England; Professional, Scientific and Technical Activities
• "What I like about them most is they don't hassle me with stuff all the time." Southern England; Arts, Entertainment and Recreation
• "They do what I need them to do." Southern England; Information and Communication
• "It is reasonably good. The overdrafts for small businesses are not good. When I first started I couldn't get one from them, even for £1000. I would say this is very poor." Southern England; Information and Communication
• "Yeah, it's okay. No, it's just okay." Southern England; Other Service Activities
• "I suspect sometimes if clients pay late and it's gone overdrawn they charge me a lot of interest for that. They could look into that. Also, the business banking people that I have seen haven't been good. When I started working on my own the advice was rubbish. I couldn't sit down with someone and talk about various options. Since then I am doing things on my own now, and everything I wanted to find out I did it on my own." Wales; Professional, Scientific and Technical Activities
• "I find them very good, organised and efficient." Wales; Other Service Activities
• "They are adequate. I haven't had much dealings so it is hard to say. They provide all the routine services like any other bank." Wales; Professional, Scientific and Technical Activities
• "Not a lot to deal with them." Wales; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I lost my manager 2 years ago and I am managed by a computer now. The service is very poor. If I go £1 [over] on my overdraft they will charge me for everything." Wales; Professional, Scientific and Technical Activities
• "It's adequate and serves its purpose." Wales; Arts, Entertainment and Recreation
• "They provide a good service, but their fees are very expensive." Wales; Construction
• "They could do better opening times. Increase opening hours, because I find they are not open enough hours in my local branch. The customer service is good but it could be quicker." Wales; Construction
• "The bank account just works exactly for what I need from it." Wales; Information and Communication
• "I mean, I think they are good in giving me a client account. They were flexible in the beginning. The cost of it is the main negative, a monthly amount. I only ever use Internet banking. Costs are quite high." Wales; Real Estate Activities
• "It is fine and adequate. Their bank opening hours are not very good, though." Wales; Administrative and Support Service Activities
• "Local branch suddenly closed down. Next nearest a lot further away. Not notified, not much notice. Otherwise great." Wales; Arts, Entertainment and Recreation
• "Money goes in but not out. I only have this, so we can have a credit card." Wales; Accommodation and Food Service Activities
• "Not a lot, I just put the money in and take it out, really. That's about it." Wales; Other Service Activities
• "Used to be fine. Closed too many branches. Don't even have a business section in any local bank so forced to only talk by telephone banking to somebody. However, this service has been fine, but it can take several days to sort things out." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[I've] got a branch close to me. They're not very helpful. [They] make good profits." Wales; Transportation and storage
• "The charges have went up a lot over last twelve months. [I have a] fairly neutral opinion of [them] at moment. [I'm] considering changing provider." Wales; Information and Communication
• "Adequate. They can be inflexible and not very good with existing customers. They have very little customer loyalty." Wales; Construction
• "Everything is okay. I haven't got a problem at the moment." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Helpful. Easy to use and work with. Always seem to be able to answer queries. Nothing negative to say." Wales; Manufacturing
• "They suit my needs but they are not very helpful." Wales; Manufacturing
• "Within the branch [they are] very good but I can't get in touch directly by telephone." Northern England; Professional, Scientific and Technical Activities
• "They've always been helpful and I've used them for 26 years." Northern England; Agriculture, Forestry and Fishing
• "They have poor communication skills." Northern England; Construction
• "Non-existent really, I don't speak to them ever. They don't communicate, I never get any communication from them. You can't contact them, it's a nightmare." Northern England; Professional, Scientific and Technical Activities
• "Functional. It just happens. I pay my money in and take my money out. It's just there." Northern England; Professional, Scientific and Technical Activities
• "All I can say is that the counter staff at the branch I'm with are brilliant. Everything else is just mediocre. 5/10." Northern England; Manufacturing
• "It's adequate. They have been friendly and cooperative lately, but only after I made a few complaints and made myself awkward with them as I wasn't happy with them at the beginning. Fairly average and have given me what I wanted." Northern England; Information and Communication
• "They are functional." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The business banking is good with day-to-day dealings." Northern England; Real Estate Activities
• "It does the job. Can be expensive." Northern England; Information and Communication
• "As I've just said, I don't have a problem with them. I never have. They've been helpful when I need them. It's all good." Northern England; Human Health and Social Work Activities
• "I prefer to have a personal business account manager, and now I don't see the person twice." Northern England; Arts, Entertainment and Recreation
• "Adequate. Like any other bank. Nothing any better or worse than any other. Been with them 30 years." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "To be fair, they leave me alone." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I am very satisfied for my needs." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Very helpful. Rarely problems." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "HSBC, they are actually fine. Banks generally scum of the earth in general. Do a necessary job, that's it. Fine for the purpose of business." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They can improve their services." Northern England; Manufacturing
• "Ok to a point. Very satisfied with the employees in branch but they often call from outside of the UK and [I] would prefer something more local. Often don't respond to calls from private or international numbers." Northern England; Construction
• "They have been very helpful over the last 30 years." Northern England; Education
• "Very good, but not cheap." Northern England; Administrative and Support Service Activities
• "It's basic. That covers it all." Northern England; Professional, Scientific and Technical Activities
• "I don't really know. Not really helpful. So far we haven't had to deal with them. I don't know, I suppose they have not been proactive. We were told our account manager would contact us, and that was four years ago. We still have not heard from them." Northern England; Construction
• "They are adequate." Northern England; Professional, Scientific and Technical Activities
• "They are just reasonable. Think they charge too much for services. They are just [the] same as any old bank, for what [they] give [they are] overpriced." Northern England; Education
• "It's average. You get nothing for it. Leave them as they are. They won't change." Northern England; Accommodation and Food Service Activities
• "It is just a bank account." Northern England; Information and Communication
• "Okay." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is good. I have a direct line of communication with [the] account manager." Northern England; Professional, Scientific and Technical Activities
• "It fluctuates according to the market. Sometimes you get free banking, and then I was charged, and then they give free banking, and then they take it away. It provides a way for me to handle my money." Northern England; Professional, Scientific and Technical Activities
• "Good, but charges are a bit high." Northern England; Transportation and storage
• "Efficient. The customer service is very good. I don't use Internet banking but the branch personnel are very helpful. The same goes for the telephone service, very good." Northern England; Education
• "They do alright, nothing spectacular, nothing terrible." N Ireland; Construction
• "I don't have any service. I have to have a business bank account, so I don't have any service other than that." Scotland; Administrative and Support Service Activities
• "Very hit and miss." Northern England; Transportation and storage
• "I'd say it was fair. They are not great. They don't supply you with a business manager unless you have a huge turnover so there is no one you can call." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay." Southern England; Accommodation and Food Service Activities
• "They're efficient in all they do. [They] managed to get my business account up and running quickly. [They] shouldn't set a default on the payment limit out of your account without asking you." Southern England; Financial and Insurance Activities
• "They are good, and I have never had a problem with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They seem better than Barclays. Good service in the branch." Southern England; Accommodation and Food Service Activities
• "Very impersonal. Loyalty means nothing to banks." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate." Southern England; Arts, Entertainment and Recreation
• "Quite efficient, but there's a charge on business banking. Some places don't charge businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think with any bank it's the relationship you have with them. It varies from person to person." Southern England; Professional, Scientific and Technical Activities
• "They seem consistently efficient in providing a professional service, and [are] reasonably approachable." Southern England; Other Service Activities
• "I don't think it has supported me recently. There is no local branch, so that makes it hard for me." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good service up until now, now that they've decided to close one of the local branches." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do basically what they say they do. I don't get any other input on how I could improve the business or anything like that." Southern England; Other Service Activities
• "They charge me a lot of money for what they do, as they don't do much towards my business." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't have many dealings with them. I just pay the money in with my debit card and that is about it." Southern England; Administrative and Support Service Activities
• "It is just a bank. Nothing to get excited about." Southern England; Manufacturing
• "It is expensive." Wales; Administrative and Support Service Activities
• "Very good. Helpful with any queries. Always someone on hand to help." Wales; Agriculture, Forestry and Fishing
• "Very helpful, very approachable and always willing to help. The only thing I don't like is when they try to sell you things over the phone." Wales; Other Service Activities
• "Find them very helpful. Informative. If there's any problems they help to sort it out straightaway." Wales; Agriculture, Forestry and Fishing
• "They are professional and very good. I am satisfied with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say they are pretty average. They just don't offer any other additional services to what any of the other banks do. There are always queues at the bank. They don't open early enough for us. When I open the shop, sometimes the bank is not open." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are alright, no problems. Good service. If I need any credit then they are there." Northern England; Agriculture, Forestry and Fishing
• "It is adequate for the needs I desire. The only thing is I just put money in and transfer bills, it's all I do. They could bring the charges down a little bit." Northern England; Manufacturing
• "[I got] twelve months free business banking, then it became very expensive. After that there were some changes to my account and they said my business banker would explain these changes, but I made ten phone calls and never got a reply. That's why I left them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good at everything, really. Any queries, they're very good at sorting it out without having to wait a long time. If they can't sort it, they'll update you about the query." Northern England; Manufacturing
• "Banks are all the same really. It is like a cartel, they have agreed set pricing, so they are all similar. It also depends on the manager you deal with, sometimes they are not flexible at all, or try to charge you for anything." Northern England; Manufacturing
• "They don't really provide a service." Northern England; Manufacturing
• "Very helpful and obliging. It can't get much more than that. There was a time they couldn't give out loans quickly enough, I got a reasonable loan at quite a good rate. They were the ones who did the math, who picked up on it. It was better than to be over and back under all the time. They called me, they'd already done the math, they said it would help stabilise and help me avoid punitive charges. Really they're excellent, I've recommended then on several occasions. A good few of the people have gone back and said they're great. They're also good on the face-to-face kind of thing. You can go in and ask for someone by name, which makes a world of a difference." Northern England; Other Service Activities
• "They are okay." Northern England; Other Service Activities
• "It is easy to get in touch with them, they have a good communication. I don't need anything special from the [bank], so I have no reason to be disappointed with anything." Northern England; Financial and Insurance Activities
• "Its not bad, could be better, could be worse." Northern England; Professional, Scientific and Technical Activities
• "[I haven't] had any problems so far." Northern England; Other Service Activities
• "To be honest I think it's the same as a lot of other banks. They don't go above and beyond for you." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very good and efficient, but it is better for big business than small business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate. I mainly use online banking, I don't go to branch much." Northern England; Financial and Insurance Activities
• "[The] service was patchy but overall adequate, [I would] recommend [them] overall. My move from telephone to internet banking wasn't smooth, which HSBC initiated. [They] led me up the path [with] charges, £4 per telephone transaction, meaning online [banking was the] only option." Northern England; Financial and Insurance Activities
• "They are adequate, that's all." Southern England; Construction
• "I think they don't understand the needs of the customers. They are too difficult to talk to and it seems that whatever track record a business has makes no difference to them." Southern England; Professional, Scientific and Technical Activities
• "It provides the basics that I need, but no more. I mean I don't rate the quality of getting the credit or debit. It allows me to make payments, but it doesn't do anything more than that. It's functional." Southern England; Accommodation and Food Service Activities
• "They're very efficient generally and when I do need them they do help out." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The thing I use most is online service and that's fine. I can manage my account everywhere. Other than that, I don't contact them all too much." Southern England; Information and Communication
• "The staff at the counter are friendly and helpful. They've closed a local branch, which was an inconvenience, which means that the other two local branches are a lot busier. Otherwise I'm reasonably happy with them." Southern England; Administrative and Support Service Activities
• "I would say efficient on the whole, occasionally I would say it's confusing, mistakes tend to be on their advantage rather than the customers. I get very sympathetic treatment from the actual people I deal with because they know how confusing that can [be]." Wales; Administrative and Support Service Activities
• "Adequate." Northern England; Other Service Activities
• "It is easy access and secure, never had any problems." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay, they do not help me much, they gave me free banking for a year and now I get charged every month for just an account. It would be cheaper to move banks to get free service." Northern England; Other Service Activities
• "Can I say crap? They're crap. You don't get a phone call from them from one year to the next year. If you go into the red or get a bad cheque there's no correspondence they just charge you £25. They only contact you to sell you something don't want. Insurance or a loan." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is adequate, but it is not brilliant to be honest. They are alright when you have got money in the bank, and when you do not have money in the bank they are not very helpful to be honest." Southern England; Construction
• "The business consultant I have there has been very helpful and recommends things to me, and also gives me a call to update me on things I may be interested in and anything that is relevant." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It does what I want it to do. I'm sure I could use it more [but] I don't because my job that I use it for is my hobby." Southern England; Arts, Entertainment and Recreation
• "The bank statements I receive by myself, two days after the month end." Northern England; Construction
• "They are quite a 'hands off' bank." Northern England; Construction
• "They're just a reliable and efficient service." Northern England; Construction
• "Well, bad. It's too expensive." Southern England; Manufacturing
• "They are a regular business bank." Southern England; Manufacturing
• "It's fine but you are now a number and no longer a named customer." Southern England; Construction
• "All banks are the same. Not much to choose from in between banks themselves." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I get an effective and efficient service which generally caters to my needs." Southern England; Other Service Activities
• "The bank I use is a main bank in Holborn Circus. I find the service quite good but there is no follow through you are just another number. That applies to both banks I deal with in general." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very efficient and they have reasonable charges." Southern England; Financial and Insurance Activities
• "Generally the online services are good, but I had problems trying to contact the transfer team. I lost out on the transfer service." Southern England; Education
• "It's okay, easy enough to get in touch and easy enough [to do] some banking. It's a bank." Southern England; Agriculture, Forestry and Fishing
• "It's a good solid stable bank. Does what it says on the tin." Southern England; Other Service Activities
• "Like many people, banks screw small companies. Because their services you get are costly relatively speaking. The bigger company will get the better deal so you can never get off ground." Southern England; Professional, Scientific and Technical Activities
• "HSBC are efficient at processing payments and instructions I give them. I am satisfied with their services. What they do for me they do absolutely fine." Southern England; Financial and Insurance Activities
• "Provide fair services and they are quite helpful." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate." Southern England; Construction
• "I moved to HSBC because Santander changed their free banking service and as I recall HSBC's was largely free. Then HSBC changed their terms and conditions, which I find annoying now. I currently have a monthly fee levied against me for a very low turnover. I am also annoyed at Santander as well." Wales; Arts, Entertainment and Recreation
• "It is efficient and does what I need it to do." Southern England; Education
• "Adequate. I only have very basic needs. Banking services are quite expensive." Southern England; Human Health and Social Work Activities
• "Very understanding and gets to the point." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're relatively hands off and accommodating when I need them to be, but their online service is possibly the worst banking experience I've ever had and I'm harsh because it's what I do. It's an appalling user experience. My personal banking is with First Direct and it's online service is exemplary, considering how they're one and the same, it's amazing how bad HSBC online is." Southern England; Information and Communication
• "It's a simple current bank account." Northern England; Professional, Scientific and Technical Activities
• "I only use mostly online but in the branch, service is poor." Northern England; Other Service Activities
• "I get what I need out of it." Northern England; Education
• "The service they provide is adequate." Southern England; Information and Communication
• "They're very good at customer service. They were quite reactive when my balance was going under and I didn't have an overdraft facility. They got in touch and I liked that they were aware. Rather than charge me a fee, they phoned me up to consult with me about my circumstances." Southern England; Administrative and Support Service Activities
• "The service is reasonable. I don't interact with them much. They don't cause problems and they try and help when they can." Northern England; Arts, Entertainment and Recreation
• "I have very little requirement from my bank, but when it does it is addressed. I am satisfied with how they address it." Southern England; Professional, Scientific and Technical Activities
• "HSBC is efficient and flexible and normally easy to get hold of if you have a problem." Southern England; Construction
• "Very straightforward. The fees seems to be creeping up which is a negative. They were lower before. These are for foreign transfers. I would recommend them otherwise." Northern England; Professional, Scientific and Technical Activities
• "It's true of all banks now that their service is a lot less personal than it was twenty years ago. It's very difficult to find a person to get in contact with and they bring in arbitrary charges on my account and one wonders what it is actually for. And it is very difficult to then find any one to discuss it with." Southern England; Real Estate Activities
• "They are generally good. It would certainly help small businesses to get more funding, but there are no options that suit smaller businesses. Banks should really do this even though the Government says they should! There seems to be some sort of partnership between the two parties!" Southern England; Human Health and Social Work Activities
• "The website and online banking is easy to use." Southern England; Real Estate Activities
• "Basic services, everything is fine, access to internet is fine and the interest rate on the deposit account is quite low compared to other banks. When I opened the account I was forced to change my bank. The process to open the account was quite slow." Southern England; Information and Communication
• "Average." Southern England; Financial and Insurance Activities
• "Satisfactory. Very helpful and knowledgeable staff. Online service works well." Southern England; Other Service Activities
• "The service with their standard products is good. But if you want something that doesn't fall within those parameters, they can't help competitively." Southern England; Other Service Activities
• "I'm not sure they provide any particular service, but we pay them money and they give some back." Southern England; Human Health and Social Work Activities
• "They are pretty good. They do what you want them to." Southern England; Other Service Activities
• "I get my statements on time." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's simple and it's reasonable cost effective." Southern England; Arts, Entertainment and Recreation
• "Consistently reliable." Southern England; Real Estate Activities
• "It does the job, and they were very good when I set up the account someone came and visited me." Southern England; Information and Communication
• "Average." Southern England; Administrative and Support Service Activities
• "Generally very professional, very helpful any problem so far has have been dealt with very quickly." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fine. They get out of my way and let me do what I am supposed to be doing." Southern England; Professional, Scientific and Technical Activities
• "Efficient, flexible so far and reliable." Southern England; Human Health and Social Work Activities
• "Not very helpful. Better on the phone than in branch." Southern England; Professional, Scientific and Technical Activities
• "Satisfactory. It does what I need it to." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think they have been quite supportive, but I have get a local manager of assistant manager. I think it would be helpful to have [a] local relationship manager, that I could talk to about my concerns, about my overdraft facility and loan etc. I think it would be very useful to have a personal manager instead of going through a very central and impersonal system." Southern England; Human Health and Social Work Activities
• "Adequate. They are not great but online stuff is hard to understand." Southern England; Human Health and Social Work Activities
• "Straightforward very helpful when went in, initially frustrating after a year, have [to] pay a monthly charge [and the] minimum amount can transfer a day is not too good." Southern England; Professional, Scientific and Technical Activities
• "The bank provides a bank account and credit card facility. Interaction with bank personnel is satisfactory - primarily because while they do their job sufficiently well, they have a very heavy bureaucracy to work through (like most banks)." Southern England; Administrative and Support Service Activities
• "The staff are always friendly, but the core of the business is confusing. There never [is] a straight answer or direct answer." Southern England; Real Estate Activities
• "HSBC have proven to be straightforward, simple and easy to use, based on their online services." Southern England; Administrative and Support Service Activities
• "They were very helpful in explaining the products and services and available as well - very available." Southern England; Arts, Entertainment and Recreation
• "I find the online banking pretty easy to use. I find them quite easy to work with also when I go into a branch. I use them for my personal banking, so it makes things very easy." Southern England; Administrative and Support Service Activities
• "Any bank is only after your money [if] they say they help you it's not true. If I feel like I need help from the bank, if you don't meet their requirements they say come back when you're in a better position. Literally, when your credit score is better." Southern England; Education
• "Just acceptable." Southern England; Administrative and Support Service Activities
• "Adequate and expensive charges." Southern England; Professional, Scientific and Technical Activities
• "Quite good. Am just a small business, publishing as a hobby, so don't use their services often." Southern England; Professional, Scientific and Technical Activities
• "They just leave me to it, they don't interfere, no problems." Southern England; Professional, Scientific and Technical Activities
• "I feel it was better back a long [time ago], had more staff and people that knew what you are about." Southern England; Arts, Entertainment and Recreation
• "It's a good bank to bank with. They provide a good telebanking service. One thing is you have to wait at the counter too long in the branch. The charges are a little too high." Southern England; Human Health and Social Work Activities
• "Easy to deal with. When we need to see them we get an appointment, they've got friendly staff, we have no problems with them." Southern England; Other Service Activities
• "Adequate. I don't do online banking and telephone banking, so I don't do either of those, I pay into my local branch, typically the cashier point has disappeared from 5 to 2 thereby making [it] inconvenient and a small annoyance is that there is another member of staff walking around asking people to use the automatic paying point. Their person would be better employed taking payments." Southern England; Other Service Activities
• "They are excellent for large businesses but diabolical for small businesses. I've been with them for over [x] years. At the moment they are ripping off the small businessman. There are so many charges for small business. They charge you £100 a year just for having an overdraft. They charge 5% above the base rate. Every transaction or activity is charged. Like standing orders, it's just one after another. That might be fine if you are a larger business but for a smaller business you really feel the bite from these costs." Southern England; Construction
• "I guess it has no problems, competent service, nothing to get excited about." Southern England; Professional, Scientific and Technical Activities
• "They rip you off the same as they all do." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Until recently I've received an excellent service from HSBC but I'm disappointed that there is a monthly charge now, and in the last month I have been very irritated with that because I didn't log into my account for a few months. They terminated my online banking facility and I have had to register again." Southern England; Administrative and Support Service Activities
• "Fairly efficient, they keep me up to date with terms and conditions, and the website works well, as in [it is] secure." Southern England; Manufacturing
• "Excellent personal banking. They don't make mistakes." Southern England; Financial and Insurance Activities
• "Reliable but quite expensive." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is simple banking, they are very accurate and always there to help if I need them." Southern England; Manufacturing
• "Distant and not very helpful. I think the charging structure is not as transparent as I hoped it to be." Southern England; Education
• "It's like a personal bank account but they charge to use." Southern England; Information and Communication
• "Strict but fair. They wont give you money hand in hand like other banks will, but that's good, it keeps you within realistic parameters." Southern England; Professional, Scientific and Technical Activities
• "Average." Southern England; Arts, Entertainment and Recreation
• "Adequate for what I want." Southern England; Agriculture, Forestry and Fishing
• "They don't have good customer managers, but it is a good bank. They do what the bank wants them to do. The bank, they do what we need them to do." Southern England; Manufacturing
• "The only reason that I have a bank account [is] as I am a limited company, it is [a] very good internet company. The downside is that they charge a lot for cheques, especially cash." Northern England; Professional, Scientific and Technical Activities
• "They do no more than is needed. I have found it quite difficult to access their services. They change the account manager each year at my busiest time, which is very unhelpful. They don't come to see me at an event and they want to see me at home which won't give them an accurate impression of my business. Every time I get one to come and see me they change him. There is an inconsistency of managerial service." Northern England; Human Health and Social Work Activities
• "It is purely a means of getting cash in the bank and keeping things safe. Would borrow money elsewhere. They are expensive, the people in my branch are really good though. I understand the need for charges. Internet banking is excellent." Northern England; Other Service Activities
• "Yes, satisfactory." Northern England; Other Service Activities
• "Approachable and friendly." Northern England; Human Health and Social Work Activities
• "Would recommend it, it's [a] very good bank, it provides me with everything that I need." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is a reasonable service with easy access but the costs are slightly expensive." Northern England; Construction
• "They don't support small businesses. They are computer reliant and no one on one personal banking any more." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just everyday day to day banking is very good. Telephone banking is very helpful. The branches have the cash paying in machines which credit straight away, and this is very good because there is no waiting and you can be in and out in a minute." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is fair." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "To pick a bank, they are all the same." Northern England; Professional, Scientific and Technical Activities
• "I would go as far as to say as long as the computer says yes you will be fine. If [you] actually need to speak a human being you get a poor response." Northern England; Manufacturing
• "Pretty straightforward to deal with, only use for current account" Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfactory." Northern England; Other Service Activities
• "You can always get hold of them, they're easily accessible. That's the main thing, really." Northern England; Other Service Activities
• "Well, the business does what it's suppose to do. It's always available when I need it, lets me know what I got. They don't cost me anything. Just a safe place for the money - no great relationship to be honest." Northern England; Education
• "Standard service, I don't really get involved." Northern England; Construction
• "It is good that you can see transactions immediately by simply pressing a button, which you can't do with other banks. HSBC know exactly what goes in and out of the account all the time with no 24 hour delay like the others." Northern England; Agriculture, Forestry and Fishing
• "You have the statements that are always very accurate. I had a run in with them once when I asked advice on buying shares overseas. Their advice turned out to be wrong and I lost a lot of money. I recuperated the money with the help of an ombudsman. Advantages are that they have a lot of branches which is handy in my line of work as a farmer. You have that flexibility." Northern England; Agriculture, Forestry and Fishing
• "It's adequate if not a little expensive." Northern England; Information and Communication
• "Efficient and available. The book keeping software that I use is aligned with the bank which is the reason I chose them." Northern England; Other Service Activities
• "It is adequate in terms of online banking services. It is poor when it comes to dealing with an individual." Northern England; Professional, Scientific and Technical Activities
• "Good." Northern England; Information and Communication
• "Satisfactory, that's all. The cheques are processed and that's it. That's all I need them for." Northern England; Professional, Scientific and Technical Activities
• "I suppose all I can say is that I have never had any problems with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are efficient and do not make mistakes. They have a wide brand network. Easy access to staff by branch or by telephone." Northern England; Manufacturing
• "As long as I'm not put through to India, I'm okay." Northern England; Construction
• "They are probably no better or no worse than stories I have had heard about other banks." Northern England; Professional, Scientific and Technical Activities
• "Very helpful. Don't deal a lot with them, but when I do go to the bank, they approach straightaway and are very helpful. No problems with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They have been very responsive for my needs. The business banker was well informed and has been with the bank for many years, so I felt confident and comfortable with what they were able to provide me with." Northern England; Other Service Activities
• "Initial banking services are free for 18 months and access to current account is all done online. Able to get statements, transfer money and make payments easily." Northern England; Administrative and Support Service Activities
• "It does all I need. The banking requirements can all be satisfied by their online Internet banking." Northern England; Education
• "It is perfectly adequate. The best aspect is the telephone banking." Northern England; Professional, Scientific and Technical Activities
• "They are very good, they have always treated us with great courtesy." Wales; Accommodation and Food Service Activities
• "They're all right. Nothing against them. I've not been with any other bank so it's quite difficult to describe." Wales; Agriculture, Forestry and Fishing
• "They are adequate, the staff are great, the whole account obviously is not cheap, they charge for everything. When you phone the majority of the time they put you through to a foreign country normally India or Pakistan." Wales; Construction
• "I don't know - it's just there. It satisfies the needs of my business banking. It always charges too much but that's the nature of the beast." Wales; Information and Communication
• "Suitable for what we want." Wales; Manufacturing
• "I suppose they are as good as any other, they take my money and they keep it, nothing exceptional and it's a very basic service." Wales; Professional, Scientific and Technical Activities
• "Plain vanilla. Just nothing special." Southern England; Other Service Activities
• "I'm happy to work with them. They're reliable and I've not had any problems." Southern England; Arts, Entertainment and Recreation
• "Adequate." Southern England; Professional, Scientific and Technical Activities
• "Pretty good." Southern England; Information and Communication
• "The bank offers me the international capacity to make international transactions around the world." Southern England; Financial and Insurance Activities
• "Very difficult to make contact, slightly better on the Internet side." Northern England; Information and Communication
• "They give an average service." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average, they are just like any other bank, average." Scotland; Other Service Activities
• "They rarely make contact with us, and if they do [it] is usually to sell us something. The usual marketing stuff. If we do make contact, it's usually us calling or going into the branch." Northern England; Accommodation and Food Service Activities
• "Their online banking system is very difficult. I can't access it online, I have to use the ATM to get balances and get mini-statements." Northern England; Accommodation and Food Service Activities
• "They are alright, they have been more or less fair with us. They have not been too bad." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Good customer service, if you can get to a branch, and I like the online banking which not all banks provide." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite good, that's all." Wales; Agriculture, Forestry and Fishing
• "I do not have much service from them, only paying charges." Wales; Human Health and Social Work Activities
• "Adequate provision of backing services. A lack expert knowledge due to location factor of the small branch. They do not have business acumen. They charge me to input money and charge to withdraw my own money." Wales; Accommodation and Food Service Activities
• "The staff in the branch are very friendly, and I do telephone banking and the staff I have occasion to speak to are always very helpful, but their charges are quite [high].I don't know how they are in reality to other banks, I've not checked, but they charge an annual fee for overdrafts and they put it up 100% last year to £100 so I wasn't very happy about that." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fair and reasonable service." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Helpful. I don't deal with them that much as I don't need to, but when I do they are helpful." Northern England; Manufacturing
• "Fairly satisfactory." Northern England; Accommodation and Food Service Activities
• "Never had any problems with them. Like any other bank, they don't like to give you anything. Like to ask you for things, but don't like to give you anything." Northern England; Agriculture, Forestry and Fishing
• "Just fair." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate for the purpose." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Up to date with their online banking, easy to access and use." Northern England; Financial and Insurance Activities
• "Starting off brilliant, and then it seems to have gone to the pot. They usually look after me, they used to come [and] look for me but then they stopped. Personal touch seems to be gone." Northern England; Manufacturing
• "They don't live in the real world." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Well my business use is limited so I can't comment on their normal banking services. So, perfectly satisfactory." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is very light touch online banking. That's all they offer us. Most of our payments come in as electronic payments." Northern England; Other Service Activities
• "They provide a seamless Internet banking facility that appears to be secure and easy to use." Southern England; Construction

The below comments were given by respondents who gave the bank a low overall score (see glossary for more details).

• "Stuck in the mud." Northern England; Construction
• "Too expensive considering the amount of money they make. Thieving [censored]." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I get no service at all. However, if you are doing this for [company] we have a very good relationship with the business manager. Because of that the service is good." Southern England; Professional, Scientific and Technical Activities
• "The service I receive from the bank is very poor as they do not have enough staff to cover the amount of customers they have." Southern England; Construction
• "It's very poor as they have no customer support and it's appalling." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is very mediocre." Wales; Manufacturing
• "They are expensive and restrictive." Northern England; Other Service Activities
• "The service they provide is minimal." Southern England; Construction
• "Non-existent. I have not been to them. They do not come to me. Not proactive. Not going to go to them cap in hand." Southern England; Manufacturing
• "Barely adequate because they are all crooks and con men and money launderers." Southern England; Other Service Activities
• "Minimal. Occasional charges for unknown bank services. That's all." Southern England; Other Service Activities
• "Look somewhere else." Northern England; Construction
• "They are very poor and greedy, but no more than any other bank out there." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It provides the minimal service you would expect from a bank." Northern England; Construction
• "I'd rather be in a room full of thieves and murderers than any member of the bank." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Online services are okay, but the branch is not helpful at all." Southern England; Professional, Scientific and Technical Activities
• "Pretty poor service." Southern England; Construction
• "[They're] not very helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[It] used to be good [but it] is now very poor." Northern England; Manufacturing
• "[They're] negative. [They're] not very positive in my sector." Southern England; Real Estate Activities
• "[It's] difficult to speak to the right people and get any answers from them." Southern England; Construction
• "[They're] poor, very unhelpful and [they close] early." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They provide] poor customer service. They promised all sorts but we have never received [anything]. When you want to see a manager at HSBC, there is never one." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "As long as I don't need any help then they are fine." Northern England; Human Health and Social Work Activities
• "Expensive." Southern England; Other Service Activities
• "You wouldn't be able to write down what I have to say about them." Southern England; Real Estate Activities
• "There is no personal touch any more." Southern England; Transportation and storage
• "It is crap. It is one way till." Southern England; Agriculture, Forestry and Fishing
• "Of little use whatsoever. More geared towards bigger companies." N Ireland; Real Estate Activities
• "Uninspiring." Wales; Professional, Scientific and Technical Activities
• "It's good but it has suddenly got expensive." Northern England; Professional, Scientific and Technical Activities
• "Thieving scoundrels." Northern England; Professional, Scientific and Technical Activities
• "Not very good actually. They are not trustworthy." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would never recommend them to small businesses." Wales; Other Service Activities
• "They are not very flexible in terms of organisation." Northern England; Arts, Entertainment and Recreation
• "The banking charges are too high." Wales; Construction
• "[They're} not very supportive what so ever." Southern England; Human Health and Social Work Activities
• "What service? They charge at every opportunity and do not help my company in any single way." Southern England; Information and Communication
• "Very basic. I only use current account. I do not have a card so the only thing going for it is, I do everything on line, which is going well. But all banks do. They charge me even though I have few transactions per month. I pay a fixed charge. Even [though] I have thousands in the account continuously, they do not offer any interest. So I do not keep money in the bank account except for the immediate commissions." Wales; Professional, Scientific and Technical Activities
• "Very poor. That's it." Southern England; Construction
• "I think that they are thieving robbing bastards." Southern England; Agriculture, Forestry and Fishing
• "Fair because [of the] closing of local branches." Southern England; Agriculture, Forestry and Fishing
• "Firm but fair. They have faith in my business and are patient. I have had no issues paying them back my overdraft facility." Northern England; Construction
• "Very poor. They dragged on for a very long time where they paid money into another company. This company was making fraudulent transactions and trying to claim the money back from HSBS was torturous." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I pay in cheques [and] that's fine. I don't like charges." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Largely poor. I've requested loans twice, and found it far easier to go elsewhere." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "[They're] lousy, unhelpful and have no interest in a small business." Southern England; Construction
• "I think, in general it's poor. I mean, I'd like to say a lot of things, because it's the same with the whole country. They don't help small businesses. They are giving out billions of pounds, but it's always the small businesses that suffer." Northern England; Transportation and storage
• "Appalling. Well, they didn't really like the fact [that] I was dealing with Thailand. [I] took them to financial banking ombudsman. What they were doing, they were legally entitled to, but I feel it was morally wrong. No explanation for them dropping me. I was labelled as being involved with illegal activity, but not in so many words. [I] gave them all the facts about my business and access to my records, but they didn't care." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very poor service from HSBC." Scotland; Education
• "Very overpriced. They recently changed the terms needed to transfer money via telephone, and added a new individual charge each time you call." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Dick Turpin [had] the courtesy of wearing a mask when [he] robbed people." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite expensive." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Everything is okay except for the speed of transaction for payments." Southern England; Information and Communication
• "Appalling! I founded a business in [year] and was running £[x] a year. I asked for £[x] overdraft in [year] because of a cash flow problem, and I was refused. I moved my personal account to Handles, who are wonderful, but don't do business accounts. Since all banks are bad, I thought I might as well stick with HSBC. I then had an unauthorised overdraft and was charged £8 a day for being £2 overdrawn. Also, the mechanism they use, you don't know when you're being charged until after the event!" Northern England; Information and Communication
• "Poor. [They are] hard to contact and deal with." Northern England; Accommodation and Food Service Activities
• "They don't get much service from me, but they don't look after me so I'm not very happy with them as a bank. Particularly because they've just put up charges, and they wouldn't do anything about it when I spoke to them." Northern England; Real Estate Activities
• "Expensive and not much support." Southern England; Construction
• "[They] take your money and run." Northern England; Other Service Activities
• "They're crap." Southern England; Manufacturing
• "It is adequate, [it] does the job." Southern England; Manufacturing
• "They only give me information. [They're] not giving me a loan, [they] stopped overdraft, because I think a third party interfered." Southern England; Manufacturing
• "Bank charges are expensive generally." Southern England; Education
• "Haven't found them supportive when [they] need to be. [They] did help with cash flow problems." Southern England; Human Health and Social Work Activities
• "Charges are too high, [I'm] not happy." Southern England; Human Health and Social Work Activities
• "[The] customer service is lousy. High charges and they ask for unnecessary details for archives. I feel like I have been robbed." Southern England; Professional, Scientific and Technical Activities
• "They don't understand what we are doing as it's not conventional and if you're not conventional they struggle." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They are] lacking support, literally, in business management." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very poor. They moved us to another branch which has no services on a weekend. They don't seem to care." Northern England; Arts, Entertainment and Recreation
• "I don't think I get any support with my bank. I don't like the charges incurred for my money. I don't see why I get charged for them holding onto my money." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Restricted." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate, apart from one mistake that I consider relatively serious." Northern England; Arts, Entertainment and Recreation
• "They've closed one branch in [town] and now they're closing the one twenty miles away [town] and the only one I can go to now is 25 miles away in [town] so [I'm] probably going to close the bank account and go somewhere else. The banking services are all fine, it's just the accessibility to the branches that's the problem for me." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They're] not very good." Southern England; Construction
• "I would say very unsupportive. They don't have an understanding of the business and they don't try to understand it." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're not interested in customers who are borrowing less than £3 million. Subject to that, they're fine." Southern England; Real Estate Activities
• "Bad communication and bad service." Southern England; Other Service Activities
• "[They] slack." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do not have your business interests at heart." Southern England; Professional, Scientific and Technical Activities
• "Inflexible. Difficult to deal with." Wales; Transportation and storage
• "Just too expensive." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very poor." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is adequate, but they charge me a monthly fee for something that I do not use much." Northern England; Transportation and storage
• "Rubbish." Southern England; Manufacturing
• "I receive a poor service, and the charges are high." Southern England; Construction
• "Not very productive. They are very passive." Southern England; Construction
• "I receive no services and no help from HSBC." Northern England; Construction
• "It's expensive for what it is, and the charges are excessive. The service has been fine. It's the business standards [that are the problem], rather than individual customer services." Northern England; Construction
• "Always there, but not particularly helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Rubbish." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don’t believe that they have the interests of small businesses at the forefront of their mind, and they are invisible, as far as interactions with me are concerned." Southern England; Professional, Scientific and Technical Activities
• "They don't help at all." Northern England; Other Service Activities
• "Crooks. They charge too much." Wales; Professional, Scientific and Technical Activities
• "Good. Adequate branch and counter service, but when seeking financial advice, there was nothing." Southern England; Manufacturing
• "Not very good, but it does mostly what I want." Southern England; Other Service Activities
• "The process of opening new accounts is now an online one, which, by their own admission, is complicated and difficult to follow. It's terrible." Southern England; Financial and Insurance Activities
• "It's like this. They give you an umbrella when it's sunny, and take it away when it rains." Southern England; Arts, Entertainment and Recreation
• "Not very good attitude towards [the] business customer." Northern England; Education
• "I think HSBC and Barclays offer very poor service, with unattainable managers. The telephone communication between bank and customer is appalling, frustrating and at very best, poor quality." Wales; Human Health and Social Work Activities
• "Fairly poor and unlikely to recommend." Southern England; Arts, Entertainment and Recreation
• "It's adequate. It does the minimum." Southern England; Professional, Scientific and Technical Activities
• "Mixed services. Sometimes good, sometimes bad." Southern England; Construction
• "Poor. You want to contact them by phone and it's impossible. You can't write [to] them, as it takes ages to get a response. [The] best thing is to go [and] see them." Northern England; Professional, Scientific and Technical Activities
• "I am looking for another bank at the moment and I cannot make up my mind where to go." Northern England; Transportation and storage
• "I will not recommend. They don't care about their customers." Northern England; Administrative and Support Service Activities
• "Absolutely useless. They are not very helpful at all on the business banking side. There's no banking manager on the local branch. They don't seem interested in small business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't receive any service from them. They rush me and want me to use electronic services." Northern England; Financial and Insurance Activities
• "Well, it's terrible. Basically what's happening is I am changing my legal identity and trying to set up a new bank account. HSBC won't let me do that because I don't have sufficient ID. They are really bad. They are forcing me to transfer everything to Lloyds. They are leaving me no choice." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are not as helpful as they used to be. Used to have a better account manager. They are more interested in their profits than their customers." Southern England; Real Estate Activities
• "its becoming less personal." Wales; Professional, Scientific and Technical Activities
• "Total disinterest in helping. Just want your money." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "No input from our relationship manager. Just got to get on with it ourselves." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Poor and expensive." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would describe the service as overly expensive." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Not very satisfactory about it, they are very difficult to get hold of. You are not dealing with local people, you haven't got local accents, and difficult to hear what they're saying. Delays on the phone." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very unprofessional. They do not carry out [transactions] for cheques correctly." Wales; Arts, Entertainment and Recreation
• "It's not worth using a bank. I don't use it much." Southern England; Financial and Insurance Activities
• "I am not happy about their charges because they are too high, and they do not let me know when I am overdrawn, but continue to take charges." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Everything is okay. I wouldn't say they're very good, just very average." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Don't use them. They have no concept of what the property here can provide, and is not prepared to support it to provide the facilities." Southern England; Professional, Scientific and Technical Activities
• "Same as any other bank, average. Rip me off interest rates. Good at taking money off me, but not so good at giving me money." Northern England; Professional, Scientific and Technical Activities
• "They are a show of [profanity]." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are [a] good bank if you are a medium to large business. They have good Internet banking services. However, they are not interested in giving a commercial card or loans unless you have a large turnover. Had loan from them before which was fine, but recently they were not interested in giving me a loan for my business again. [x] years ago, HSBC persuaded [name]'s father to take out 2 personal loans and gold credit card, instead of lending against the limited business that his father had at the time, which has since gone under and left his father in considerable debt. They were interested years ago in giving business advice when [I] first started, but then not at all interested. Then recently they were interested again but they haven't done much about it." Southern England; Professional, Scientific and Technical Activities
• "Average." Southern England; Professional, Scientific and Technical Activities
• "Barely adequate. I find that they never communicate with me unless I contact them. Poor service." Wales; Financial and Insurance Activities
• "The charges I get are too expensive." Northern England; Other Service Activities
• "I think there are better banks. My bank manager dropped me, so now I just have Internet banking." Wales; Accommodation and Food Service Activities
• "It is difficult to speak to anyone over the phone." Wales; Real Estate Activities
• "I am not happy with HSBC because they are not in the least interested in my circumstances, about my business, as I received a letter which said they require regular payments into my account without asking about my business." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just not helpful. I wouldn't recommend. I think because I'm a small business they don't care." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I feel it could be a lot better, because we are only a small business and the charges are quite expensive." Southern England; Other Service Activities
• "On a personal level relating to bank staff, fine, but on a corporate level, no rate of return on capital employed." Southern England; Human Health and Social Work Activities
• "Okay, but they do lack local knowledge and business ability in that area." Southern England; Information and Communication
• "No contact with business manager. They put mortgage rate up when I had financial problems. They put monthly charge when having problems. They undervalued my property." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good for hiding costs of banking. Lots of unnecessary costs such as paying cash into the bank and the handling charge. That is in addition to a monthly account managing charge." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Poor. Our PDQ system is with Barclays. It takes about 5 to 6 days for HSBC to get [the] money into the account. We asked them for an overdraft facility to cover times when the PDQ delayed, and they couldn't consider it." Southern England; Arts, Entertainment and Recreation
• "They [are] hands-off, which is what I like, and very simple, which is what I like, but the fees you have to pay, [I'm] unhappy." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Adequate. I think they do the basics okay. They're very keen for me to pay money regularly into the account, which is not always possible, so I have to subsidise with [my] own money which is annoying." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average to poor, because they don't really help a small business at all." Northern England; Arts, Entertainment and Recreation
• "I'm happy with the telephone banking system. Happy with paying and withdrawing over the counter. Not happy with being charged to pay in individual cheques." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Never to go with them, as they are not helpful at all. They don't help small businesses. No support at all." Northern England; Other Service Activities
• "There is no service. There aren't any bank managers and nobody knows what I do for a living. Also, when you go into a bank, there's only two cashiers and it takes too long." Northern England; Manufacturing
• "It functions as is does which is adequate, but there are several factors I'm not happy with." Southern England; Manufacturing
• "They are good. The only problem [is that] the branches don't have many cashiers." Southern England; Professional, Scientific and Technical Activities
• "I live in a rural area and HSBC is the only bank in my vicinity. Customer support is appalling. The fact that my business manager had left. [I] had to drive 50 miles to meet my business manager when they locked my account. Treated me rudely." Wales; Manufacturing
• "The same, really. Flexible. Impersonal. Don't want to meet our needs. We're too small for them. We don't matter to them if they put us out of business. Only interested in big business." Northern England; Agriculture, Forestry and Fishing
• "I would advise them not to use them. They are in the process of changing their prices and structures." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They only seem to be interested in making money out of me, as opposed to giving me good customer service." Scotland; Arts, Entertainment and Recreation
• "Basic. It is just a very basic service. No managerial support. No support being a business. Basic current account." Southern England; Professional, Scientific and Technical Activities
• "I like the Internet banking. Their fees are the cheapest ones, but are still stupid. The current account doesn't give me interest, which is a bad thing for me." Southern England; Information and Communication
• "Service, what service. There isn't any." Wales; Manufacturing
• "We started with them as they were the only bank in the village. Since this branch has closed however, they are no longer convenient." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would imagine they are like any other bank. They promise everything but don't deliver." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Not supportive. It's getting more difficult to get hold of business managers from the branch as they are sharing across different branches." Southern England; Other Service Activities
• "The people I meet are great, but the terms they have for small businesses are a bit over the top." Northern England; Administrative and Support Service Activities
• "Indifferent." Southern England; Construction
• "HSBC is old fashioned, inflexible, infuriating and inaccurate." Southern England; Professional, Scientific and Technical Activities
• "They are okay with international business and they have many branches." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Non-existent." Southern England; Information and Communication
• "I wouldn't recommend them whatsoever, they're no help to me, I'm trying not to have any business with them. They have done zero for me." Southern England; Arts, Entertainment and Recreation
• "My bank is my third largest outgoing overhead in terms of charges. I receive nothing from the bank which is helpful. They stopped my credit card without telling me because it was £[x] overdrawn for one day and that's why they stopped my credit card, when that credit card was my lifeline. Communication and charges, and that £[x] overdrawn cost me £[x] in overdraft fees." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very little support. We are supposed to see a manager every 2 years but haven't seen one for 8." Northern England; Agriculture, Forestry and Fishing
• "It's in 2 sections. There's a local branch, the people are friendly and pleasant. Everything else is via the Internet. They don't have customer's interests at heart, they're just trying to maximise profit. If I could go elsewhere I would. They've brought Europe to its knees. I think it's inhuman. Things like if you go overdrawn by 1 or 2 days they charge £50. Some transactions I didn't even know about, sometimes it takes a few weeks to go through. They wait until the end of the month before taking off the charges. I think that it's almost criminal and Draconian. They deliberately manufacture that situation. I find it inhuman. It doesn't fit into the value system that I live and work by." Northern England; Human Health and Social Work Activities
• "They are not very user-friendly, it is hard to get appointments or support from them." Northern England; Financial and Insurance Activities
• "They now charge for every service to us as a small business." Northern England; Administrative and Support Service Activities
• "They are efficient." Northern England; Manufacturing
• "The branch staff do what they can. The main bank is useless to us. My dad has been developing for 40 years, and he says he has never known a time when banks would not lend to those in construction. Yet now they refuse to lend to small businesses." Southern England; Construction
• "I would say it is very poor. They closed the local branch and now I need to travel much further." Southern England; Transportation and storage
• "The branches here in the UK are terrible. The closest branch is [x] miles away and costs £[x] just to park at the bank. They have no interest in the customer, only interested in big merchants. No time for the smaller businesses. Would like to see them bring back named bank managers for more personalised customer service." Southern England; Transportation and storage
• "[We weren't] paying for the first eighteen months of the account. [We were] sent details of no relevance. Banking costs ended up at least double what they had claimed. [We were] dissatisfied. When [we] wanted [a] business manager no one was available. [We were] advised [that we] would need to go to London and take two weeks to get [an] appointment." Southern England; Transportation and storage
• "For 2 years brilliant, great value. Then management changed. Staff did not know what they were doing, incompetent. Didn't have [a] relationship with [them] anymore. Couldn't do international payments to China anymore, couldn't read their own bills. Completely fell apart when [they] changed staff. Used to have [a] regular business advisor." Southern England; Information and Communication
• "Poor and very expensive." Southern England; Construction
• "The cost of having a business account with HSBC is very high. I ran a very small business and I have business account but I wouldn't have one if I started over. You get all these massive charges. I wish I could start again but it seems too much hassle. Basically their charges are inappropriate for small businesses like mine. They are eating my profits away, they are costing me money. There seems to be no differentiation. They should encourage you to grow, but you get no respect or help. The bank staff in my local branch are very helpful, though." Southern England; Administrative and Support Service Activities
• "The website is very poor. The account seems expensive for what they do." Southern England; Professional, Scientific and Technical Activities
• "They love to have your money. I haven't had any problems, no." Southern England; Manufacturing
• "Completely useless. I recently applied for some finance for a property I have, and they refused me because they said they wouldn't lend because of my type of business." Southern England; Real Estate Activities
• "No service whatsoever. You can't get hold of people and when you call you end up in a call centre abroad. I don't even know who my bank manager is. The only reason I bank with them is it's at a convenient location near our depot." Southern England; Other Service Activities
• "They charge me for everything I do. I wouldn't rate them or recommend them to anyone else." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are unwilling to help with growth. They are overcharging me for the smallest thing and provide no cash flow or credit." Southern England; Transportation and storage
• "Very poor to non-existent. Uncommunicative, difficult to get hold of. Don't get back to you. Generally rubbish. If you make [the] mistake of taking [a] product out with them you are locked in for very long time. To try and change anything on account will always cost. Thieves with suits on, arrogant. Frustrating and annoying. Treated as if cowboys when they are the thieves. Never straightforward. Plain English would be nice. Always change the terms and [are] all [profanity]." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do well at being personal, but they keep increasing charges on simple things." Wales; Professional, Scientific and Technical Activities
• "I don't want this to reflect on my local branch staff. They are really good, they are faultless. When I phone a business manager, the phone calls are terrible. They have disregarded the personal banking managers. Every time I call the bank, there is a different person, and they are very unhelpful. They do not know what they are doing." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Overcharged. I have been thinking of changing my bank." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't have any contact with them whatsoever apart from taking money in and out, and I get charged for every single thing that I do." Wales; Education
• "The counter services allow larger sums in change and buying change." Wales; Other Service Activities
• "[They] feel just as bad as anyone else. [They] don't offer anything particular for small business. Internet security." Northern England; Financial and Insurance Activities
• "They run a very hands-off service. It's a little high on charges for small business, but overall adequate." Northern England; Professional, Scientific and Technical Activities
• "Would not recommend. Wasn't using debit card, didn't know [it] was due for renewal. Took out money without notice. £70 per week, charges on top, £800. Arguing with them to get money back, threatened with Trading Standards. Eventually got money reimbursed." Northern England; Other Service Activities
• "I had free banking to begin with and now they are setting charges for everything. I pay for everything, to put money in, to take money out. It's annoying. I would be better off not using them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't really see any service from them. I just find them poor. They closed down 2 local branches. One was in my village and one was a mile away, and now I have to go [into] the town centre to do my banking." Northern England; Professional, Scientific and Technical Activities
• "It is not existing. I am closing down my account." Northern England; Arts, Entertainment and Recreation
• "It's basic banking that I use it for. It does it well. Charges significantly for it." Southern England; Financial and Insurance Activities
• "The bank treats me like a naughty schoolboy. [It] takes a long time to get served. [They are] not very good at anything." Southern England; Construction
• "They are probably the same as other banks. They are starting to get expensive. In 5 years they have introduced a monthly charge for everything." Southern England; Other Service Activities
• "They're all as bad as each other." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It used to be a very good bank, but now, because of branch closures it's limiting my access to cash payments." Southern England; Education
• "Banked with them for fifteen years with previous business, had 100%, and they would not give me an overdraft facility even though I have a clean record with them. [I] was very irritated." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[It is] not there to support small enterprises, particularly the creative industries. It's got no awareness of the financial necessities of the creative industry." N Ireland; Information and Communication
• "They do everything well, but with everything there is a charge. It used to be free banking. Now it costs me £60 a year." Northern England; Professional, Scientific and Technical Activities
• "I suppose they are good enough. They do what is necessary, but they are certainly not anything special and I am not keen on the way they are withdrawing personal face to face services and trying to push people to use their machines." Southern England; Human Health and Social Work Activities
• "It's a very simple current investment account with online banking facilities." Southern England; Administrative and Support Service Activities
• "I do not know if they are better or worse than any other bank. I feel they do not want small businesses. Otherwise they are okay." Southern England; Administrative and Support Service Activities
• "I would say the staff at HSBC are brilliant. HSBC as a whole, however, are soulless." Southern England; Manufacturing
• "Very good, but limited opening hours and limited branches." Southern England; Professional, Scientific and Technical Activities
• "If you want a loan or anything like that, don't bother going because they're not likely to help." Northern England; Other Service Activities
• "It's reliable, and I don't have any problems or issues, they offer me a bare minimum, and they are not proactive, and because of that I find it overpriced. I find it a dormant service, online banking is always great, and the people are very helpful and very good if you have a specific question, and again, you have to approach them." Northern England; Administrative and Support Service Activities
• "Very dissatisfied with service they provide. They say they are the world's local bank, but they're not very local to where I am." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fairly disappointing as they are closing all the local branches and making incredibly difficult to deposit cash, a huge frustration as the two local branches have closed meaning it's a 45 minute trip to the next branch." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate. They do their job, they are not brilliant at in certain areas (foreign call centres)." Northern England; Professional, Scientific and Technical Activities
• "They are completely useless. They never understand, as the manager doesn't know what your business is and there is no personal contact. I can't go in and speak to someone who knows about these things. It's a case of "The computer says no." It didn't used to be like this. They used to have a person of contact that knew about your situation, but not anymore." Southern England; Professional, Scientific and Technical Activities
• "Difficult to get anything done." Northern England; Other Service Activities
• "Rip off." Northern England; Agriculture, Forestry and Fishing
• "It's okay, but could be better." Southern England; Education
• "Remote. Faceless. Poor telephone banking. The good thing they do is outline the accounting system, I use Xero." Southern England; Education
• "Arrogant, but they have all the services I need." Southern England; Information and Communication
• "Barely adequate, I am very much of the opinion that they are all as bad as each other, I would probably change at the moment if it wasn't for my previous answer. I would like to know the justification for recent increases in charges, long running dispute over overzealous fraud protection on business credit card, i.e. they ring me up all the time from a scripted call centre when travelling abroad over minor transactions that an intelligent business software system should be able to work out are legitimate transactions. In general I don't see why I should have to inform my bank every time I'm travelling abroad on business to make routine transactions, for moderate sums." Southern England; Arts, Entertainment and Recreation
• "Basically the business banking does not provide good facilities for overdraft, and the processing fee for the lending is also too high." Southern England; Information and Communication
• "Satisfactory, not overall keen with them, they need to improve on services." Southern England; Education
• "Cursory and one sided." Southern England; Education
• "If you run it basic like I do it, it's fine." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They won't lend money." Southern England; Construction
• "They don't actually do anything for me. They're just there to handle my money in and out." Southern England; Human Health and Social Work Activities
• "Average. When you are a new customer, they are happy to have/help you. Over the few years they become less enthusiastic." Southern England; Manufacturing
• "I would say the service is non-existent and they aren't very helpful if you do have a query." Southern England; Real Estate Activities
• "I don't think that we really matter is the best way to sum it up." Southern England; Manufacturing
• "They are absolutely rubbish, I would not deal with them." Northern England; Manufacturing
• "Satisfactory, if I ask anything I get an answer straight away." Northern England; Construction
• "I have very little contact with them. I only hear from them when they want to put up their prices. The managers keep charging so there is no stability at all." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I do not think they have much interest in my size of business since the year I opened the account with them. They would call in the first year and after that I had very little contact with them." Northern England; Professional, Scientific and Technical Activities
• "They don't provide anywhere to give a deposit account or saving facilities, or interest on your savings." Northern England; Agriculture, Forestry and Fishing
• "The service I receive is sparse. It is becoming less and less personal." Wales; Manufacturing
• "Same as all banks. They charge a lot for anything they do." Wales; Human Health and Social Work Activities
• "Poor and very unsupportive." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Appalling. I have to travel over half an hour even to pay money in. They have closed the branch in our town. When I have needed help, like an overdraft or loan, they have been no help at all." Wales; Construction
• "Cost increase is high on charges. The service is okay." Wales; Other Service Activities
• "I would advise them not to go with HSBC, go with any other bank but HSBC. They don't give you any support, they're a very greedy bank and ready to pull the plug on any overdrafts. I'm sure they don't follow the banking rules to any sort of standards." Northern England; Professional, Scientific and Technical Activities
• "It is fairly satisfactory." Northern England; Manufacturing
• "I am very disappointed with them. They have introduced charges that supposed to give me a better service but there have been no changes." Northern England; Accommodation and Food Service Activities
• "Small minded, and short term, they don't seem to think long term. Recently I have been trying to get a loan but they seem to be oblivious until I [complete activity]. I can't get the loan." Southern England; Other Service Activities
• "Distant. Every time they get a good manager they move on very quickly, so you're never speaking to the same person. We don't have much contact with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles