HSBC For 10 to 49 Employees

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

• "They've provided a reasonably good service." Southern England; Information and Communication
• "It's a good service, from what I know of it." Scotland; Construction
• "I am quite satisfied with them and have had no problems." Southern England; Construction
• "It's acceptable." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "A good basic service." Southern England; Real Estate Activities
• "Good. Very good. They don't often make mistakes on statements." Southern England; Human Health and Social Work Activities
• "They do what they're supposed to." Wales; Transportation and storage
• "It's okay and we don't have any problems." Southern England; Other Service Activities
• "Currently Internet banking is easy, but they are introducing another level of security which might be difficult." Northern England; Education
• "It does what it says on the tin. Straightforward business banking. That's it." Southern England; Other Service Activities
• "It's very good. The service we receive is excellent and we have never had cause to complain." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They always provide business services." Southern England; Arts, Entertainment and Recreation
• "They are always helpful." Northern England; Real Estate Activities
• "Very good service issues with charges." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "All loaded in their favour and very competitive." Northern England; Human Health and Social Work Activities
• "[It's] minimal. [There's] not much of a personal service." Southern England; Human Health and Social Work Activities
• "I find the online service difficult to use and old fashioned and it's sometimes hard to get a response when you call them on the phone." Wales; Professional, Scientific and Technical Activities
• "Adequate, I have not been with them that long." Southern England; Agriculture, Forestry and Fishing
• "Functional, and they do what they have to do." Northern England; Construction
• "We're okay, [our] needs are being met." Southern England; Accommodation and Food Service Activities
• "Fairly good. Not brilliant, it's in the middle. That's it." Southern England; Professional, Scientific and Technical Activities
• "The service is not very good, because they block your card quite often. It's a common procedure here in England, if I buy abroad they block my card." Southern England; Human Health and Social Work Activities
• "Adequate." Southern England; Human Health and Social Work Activities
• "[It's[ basic. They provide a basic service. We had a brief cash flow crisis where we were owed lots of money, and we desperately needed a short term loan and we couldn't get it." Southern England; Arts, Entertainment and Recreation
• "They're generally, quite helpful and experienced." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They are] approachable and negotiable." Southern England; Other Service Activities
• "It's not really a service, they just provide us with the business cards, because Handels Banken are affiliated with HSBC." Southern England; Financial and Insurance Activities
• "I think they are very supportive." Northern England; Transportation and storage
• "It is good but [I] do have problems with internet banking." Wales; Accommodation and Food Service Activities
• "It's smooth and efficient." Northern England; Education
• "It's good. We have very basic services here, so there is nothing to compare it with, really." Northern England; Administrative and Support Service Activities
• "Good service. Don't expect a lot from them anyway." Southern England; Construction
• "I would say they are very formal and restricted. There is a lack of facilities." Southern England; Other Service Activities
• "They are okay." Southern England; Manufacturing
• "They are there when I need them and my banking system runs efficiently." Southern England; Professional, Scientific and Technical Activities
• "It's adequate. It meets our needs. They have a quick service response, and they answer emails quickly. We are a simple business." Southern England; Professional, Scientific and Technical Activities
• "Pretty standard service. Not happy with charging. They charge more on monthly basis. Overall not really happy with the bank." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is currently adequate. No branches in Scotland. Not sure they need help from them, appreciate they got them out of HBOS." Scotland; Human Health and Social Work Activities
• "Will give you what you want. It's like other banks, when you really need something, they don't do it." Southern England; Construction
• "Standard." Southern England; Manufacturing
• "The only reason we use them is because we have history with them. We are not happy. Not happy with the service we thought we would be getting." Southern England; Information and Communication
• "Through the recession they have been fine, but there has not been the contact I would have liked." Wales; Administrative and Support Service Activities
• "Good service. Closed a branch near us so we're moving, but everything is good." Northern England; Other Service Activities
• "Very approachable. Get back to me very quick in response to any queries." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Fulfils our business requirements. We've had longstanding business with HSBC. They've supported us when we've needed support." Northern England; Construction
• "The services we receive from HSBC are adequate." Northern England; Manufacturing
• "They don't offer great value with regards to rates. They seem to charge me for everything they possibly can." Northern England; Administrative and Support Service Activities
• "It's pretty efficient. Deals with enquiries when we have them. They're pretty helpful." Scotland; Manufacturing
• "Overall the same as any other big banks. We have a manager that looks after our account, but they change regularly." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's basic and functional, but it does what we need." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Wholly adequate." Southern England; Professional, Scientific and Technical Activities
• "We are more than satisfied. It is easy to pay in money and we have never had any complaints." Northern England; Transportation and storage
• "It's the main bank we deal with, and we've had no issues." Southern England; Information and Communication
• "They are slightly better than the other major banks." Southern England; Real Estate Activities
• "They help our business. Keep check of our finances on a daily basis and help us to efficiently pay our customers as and when needed." Southern England; Administrative and Support Service Activities
• "They provide us with current account services only. We do not have many dealings with them." Northern England; Arts, Entertainment and Recreation
• "Very efficient. They do everything I need." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good service, and the counter service is immaculate. It's just the stunning charges." Wales; Other Service Activities
• "Overall [I have had] a very good experience with them." Southern England; Other Service Activities
• "They are very helpful, and friendly services." Southern England; Administrative and Support Service Activities
• "[It is] fine for what it is." Southern England; Human Health and Social Work Activities
• "They are [as] good as any bank. I don't trust any of the banks." Northern England; Manufacturing
• "They have been okay, but recently they have got worse. They seem to have less personnel." Southern England; Construction
• "They provide a good general business service." Southern England; Construction
• "They do everything we need them to do. We have never had any problems." Southern England; Professional, Scientific and Technical Activities
• "They do no more than what they have to, [they are] not proactive." Southern England; Construction
• "They do what we need and they have been helpful." Southern England; Transportation and storage
• "Mediocre. I think that covers it. It does what we ask it to do, but certainly no more." Southern England; Professional, Scientific and Technical Activities
• "No real issues, do what they do. Wouldn't recommend any bank, let alone HSBC." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Quite good, they have been very helpful." Southern England; Education
• "From my point of view, I have my facilities and an ongoing financial relationship. The personal relationship is nil, apart from the cashier service." Southern England; Accommodation and Food Service Activities
• "Satisfactory." Southern England; Accommodation and Food Service Activities
• "[The] online banking procedure is very slow." Wales; Transportation and storage
• "I'd say friendly, helpful and quick to respond." Southern England; Professional, Scientific and Technical Activities
• "They have excellent corporate online banking services." Northern England; Information and Communication
• "Charges are not so well. Online banking is good." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's alright, virtually the same as any other bank." Southern England; Other Service Activities
• "Personally I would say that they're all the same. They send the statements every month and the online banking is good. I wish I didn't have to speak to so many foreign people when I call them." Southern England; Manufacturing
• "We are very undemanding, so don't make any demands. Service is not as good as it used to be." Southern England; Professional, Scientific and Technical Activities
• "[We don't have] much contact. [The] online banking works really well." Southern England; Construction
• "The services we get from our relationship manager are pretty good." Southern England; Information and Communication
• "It is very similar to the Barclays response. They really rip [us] off with bank charges in Dubai." Southern England; Financial and Insurance Activities
• "[It is] a very efficient setup. We [have] just started with them." Southern England; Information and Communication
• "Its good. Sometimes [I] have a problem with [the] online service." Southern England; Professional, Scientific and Technical Activities
• "Service has been alright and [I] would recommend [them] to colleagues and to others in other businesses. [I have] experienced no problems with the service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They [are] normally okay but [a] particular aggravation [is that] after [a] certain number of transactions [I] get knocked out of login during online banking, seems sort of security and is a hassle." Southern England; Human Health and Social Work Activities
• "It is fine. We don't use it much. It's just a facility." Southern England; Financial and Insurance Activities
• "They're good." N Ireland; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They are okay at the moment" Southern England; Accommodation and Food Service Activities
• "As long as you don't talk to them they are fine, no help comes if you talk to them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay. They are not great but they are not bad either." Southern England; Construction
• "It's okay, but the business banking side of it is unsure. There is a rumour they are moving to Asia." Southern England; Administrative and Support Service Activities
• "If you're within your limit and go by what they say, they will give you what you want, but if you want something more, they'll give you conditions and it's then you'll see how good they are." Southern England; Construction
• "They have good international accounts and experience. They are also a global brand." N Ireland; Professional, Scientific and Technical Activities
• "Very good service, their responses are good, and international banking is good." Southern England; Information and Communication
• "Basic. It does what it says on the tin." Southern England; Accommodation and Food Service Activities
• "We don't receive any sort of service other than a transactional service. They have never introduced themselves to us and never offered us any support." Southern England; Professional, Scientific and Technical Activities
• "No face to face contact, all contact via the phone or Internet." Southern England; Accommodation and Food Service Activities
• "Always there when I need them. Specifically every time I need them they have always been there. We have an understanding. They don't pester us. They leave us alone when we don't need them." Southern England; Construction
• "It's professional and timely, but a little bit expensive." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very friendly and always helpful when I need help." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Generally competent. Not happy with charges when depositing cheques." Southern England; Education
• "Satisfactory." Southern England; Human Health and Social Work Activities
• "They are trying their best to help small businesses and are flexible." Southern England; Human Health and Social Work Activities
• "They give a very good service. We have a good relationship with the business manager. They look after you." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just adequate. There's nothing exceptional, nothing too disastrous. The staff at the bank we use are exceptional but the bank we use is nothing special. They don't pay us enough interest for the amount of money we've got saved." Southern England; Transportation and storage
• "Secure, robust but not particularly proactive. They're basically secure, but not particularly proactive in trying to do things for us." Northern England; Manufacturing
• "It is comfortable for our needs and it is tailored for our circumstances." Northern England; Administrative and Support Service Activities
• "Good as long as you don't need any in-depth information or help. It's a basic service that you receive." Southern England; Manufacturing
• "Easy and reliable service." Southern England; Construction
• "Pretty good. They are always there if we need them on the Internet banking and our business manager is always there if we need them. We get full support from them and we also have Internet full support if we have problems." Southern England; Construction
• "They normally listen to us and help us where they can, satisfied with their services. If we have got [a] proposition they say yes or no." Southern England; Arts, Entertainment and Recreation
• "They're very good some of the time. Some of the time they're not readily available, [and] it's hard to get hold of people." Southern England; Construction
• "Efficient and understand our business." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is okay, but it can be a little expensive. I like the personal service from our business support manager." Southern England; Transportation and storage
• "They have always helped us when requested, but they are not proactive. When we have to pay European invoices in different currencies we go into the bank and they are helpful, but they don’t suggest ways we can get higher interest accounts or get better values for the money we have in the bank." Southern England; Manufacturing
• "Good for standard banking services." Northern England; Real Estate Activities
• "They're adequate. Poor interest rates and savings." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very big and secure. Very difficult to speak to someone in person, but apart from that pretty good." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's fine but when you need help they are a bit slow to sort things out." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They are good at local branch level. I would say sometimes their bureaucracy does not meet my needs. I get better results in the branch rather than over the phone or the Internet." Northern England; Human Health and Social Work Activities
• "As banking goes, they're fine, but not having a designated manager is a problem." Wales; Construction
• "They provide a basic, functional requirement for the business." Southern England; Human Health and Social Work Activities
• "Not my first choice because another bank I know is better." Southern England; Other Service Activities
• "Very reliable. But they cater for more for bigger corporate clients. It is a very professional service. Online banking particularly. Their telephone service is very good." Southern England; Education
• "Overall, good." Scotland; Accommodation and Food Service Activities
• "It was like having a bank without seeing them. You don't know the people who look after you. Dry relationship. In the past, they were really good bank managers." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate." Southern England; Accommodation and Food Service Activities
• "They are okay. Some are good and some make mistakes, and the behaviour, but overall it is okay." Southern England; Accommodation and Food Service Activities

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

• "Initially happy but subsequently very let down. Offered mortgage but then actually lied and said they didn't." Northern England; Manufacturing
• "The service we are offered is minimal." Southern England; Professional, Scientific and Technical Activities
• "Lots of improvements to be made." Southern England; Transportation and storage
• "Just a bank. I go in there and pay in and that's it." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They're not offering the same amount of support they use to such as pension schemes [and] corporate advice." Northern England; Information and Communication
• "[A] rip-off!" Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Staff members lack knowledge of their own products and services but get there in the end." Wales; Professional, Scientific and Technical Activities
• "After 30 years of loyal trading, piss poor." Southern England; Professional, Scientific and Technical Activities
• "[They're] awful. [They have] no customer service, relating back to past history." Northern England; Manufacturing
• "Pretty poor service. [There's] no support at all. [I] used to have an account manager, but now [I] have a new one who does not contact us, deal with us, no messages, etc. [There's] no personal contact whatsoever." Southern England; Education
• "We just started with them so it's hard to describe. We've just changed to HSBC. It's only been in operation for a week. I'm mildly dissatisfied at the moment." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We suffer it." Southern England; Professional, Scientific and Technical Activities
• "[They are] untrustworthy." Northern England; Construction
• "Destructive, unhelpful, disappointing. No back or support bank staff. Not a problem, but the guidance from above is making things difficult. Bank staff have their hands tied, and no real relationship. Obstructive." Southern England; Manufacturing
• "I think they are impersonal. I don't think that they care for their clients' welfare." Wales; Professional, Scientific and Technical Activities
• "I don't get a service. They are just a bank to me. I am really disappointed in them. They make so many excuses. They're not interested in anything I do. They don't understand my business and will do anything to get out of work." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Feels like HSBC is non-supportive in every area and once the loan is finished [I] will move." Southern England; Manufacturing
• "Always prepared to talk, but usually say no. Okay for business accounts, but not help with professional." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The same as any other bank." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Zero customer services, and zero customer support." Northern England; Construction
• "Another blood sucking bank." Northern England; Arts, Entertainment and Recreation
• "[It's] okay, it's average, they do the minimum they need to provide your banking services." Southern England; Construction
• "Good if you are only dealing with Internet banking. Don't try and use your personal banker because they change them all the time." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's not particularly great, sadly just about the same as any other bank. It would be fantastic if we could get invoice financing, but we are not able to get this through our bank." Southern England; Real Estate Activities
• "Their customer service is dire, and it's not a good product at all." Southern England; Professional, Scientific and Technical Activities
• "Abysmal. There is no service. You just can't get any facilities from them. It shouldn't be surprising as we are a small business." Southern England; Financial and Insurance Activities
• "Functional. We use them for very basic services but wouldn't use them for anything else. Sick of them trying to sell other services which are overpriced." Southern England; Information and Communication
• "[I'm] having trouble with them at the moment. They respond but are not very helpful or responsive to small businesses." Southern England; Education
• "They are very impersonal and not sensitive to the situation." Southern England; Information and Communication
• "Adequate, but they are very overpriced." Northern England; Information and Communication
• "Don't really get any service." Southern England; Construction
• "The service is non-existent." Southern England; Construction
• "[It's like] dealing with thieves." Southern England; Professional, Scientific and Technical Activities
• "They are inflexible and their customer service is average." Southern England; Information and Communication
• "[They] are in it for themselves, not for me." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We receive nothing from them, they just hold my money and I don't speak to them." Southern England; Arts, Entertainment and Recreation
• "Non-existent [service]. We just put money in their account and get zero interest, [we] get nothing." Southern England; Information and Communication
• "Adequate." Southern England; Professional, Scientific and Technical Activities
• "Very poor. [I have been] unable to get any business support. [I am] unable to contact my business manager who does not call me back. [There are] bank charges as well." Southern England; Accommodation and Food Service Activities
• "When you go into the branch, which I don't often, but when I do, you have to wait a while as some staff are very good and some aren't. Their websites are a disaster to use (HSBC Net). It's so complicated to use and I'm someone that's very familiar with web technology." Southern England; Information and Communication
• "E-banking very good but all other areas minimal." Southern England; Human Health and Social Work Activities
• "We don't have one." Southern England; Construction
• "Disgraceful, rude and unsupportive. I have a massive hatred for them." Northern England; Agriculture, Forestry and Fishing
• "Not supportive without asset back-up." Southern England; Information and Communication
• "They don't provide a service but the facility we use. There is no service or content. I think all banks are tarred with the same brush and show no interest in small businesses because unless they are out to make huge profits they have no interest at all." Southern England; Manufacturing
• "It's fine, but they refused to back us when we needed it a few years ago, so we left them." Northern England; Other Service Activities
• "Mostly it is okay, some of the online system is not easy." Southern England; Manufacturing
• "Half decent Internet and online products and services. We have a relationship manager as well, so can be helpful at times. What isn't as good, it's very difficult to get a decent overdraft and pretty much impossible to get a loan." Southern England; Financial and Insurance Activities