HSBC

I have banked with HSBC for the past few years and I must say that I am very happy with the service I have received so far. I will go through the products I have with them and let you know my thoughts! Student Account The student account is a really good account in comparison with the current market - some banks make the huge overdrafts the selling point, but HSBC are striving towards being a responsible lender, and they have all overdrafts based ...
...5.25%). I also find HSBC to be very fair with default charges - this their "Fair Charges Policy": 1) you will not have to pay fees for being overdrawn by £10 or less. 2) You will not have to pay more in fees than you are overdrawn by in your charging month, so a £15 overdraft will not cost you £50. The account also comes with fantastic discounts at BT, Dell booksofcourse.com, CD WOW! BSM, iwantoneofthose.com, Lonely Planet, The Pier and Blockbuster. ...

shazilrock 05.02.2007 · Read full review
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Review of HSBC

...in a tight corner. HSBC (it’s known as Honkers and Shankers in the City!) and I go back to the days when it was The Midland Bank. It’ll be thirty five years this year. I don’t like to dash into doing an opinion, you see. I opened an account with them because they were convenient. If they’d been any closer to where I lived I’d have been living in the strongroom. In those days it didn’t really make a lot of difference which Bank you used, they were ...
...going to like you and HSBC is no different in this respect. Nor, indeed, should it be. It’s a publicly quoted company and it’s the shareholders who ultimately pay if money proves to be irrecoverable. Quite rightly they’re not keen on this, so HSBC has a firm (some say aggressive) approach to such accounts. I do think that they could be better at communicating with people and helping them to understand their finances, but I wouldn’t recommend them ...

SueMagee 30.06.2002 · Read full review
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Review of HSBC

...them. I have been with HSBC for twenty years, and whilst not the perfect bank, it does cover my needs quite adequately, in that my bills are paid on a regular basis in an orderly manner, my statements arrive on time and are detailed enough to give me the information I need to know, and their Internet Banking service compares well against my other Banks, the Royal Bank of Scotland and Barclays. The problem stems from people not understanding how ...
...it works", and then grumbling. HSBC offers me a lot of things that I don't like, need or desire. For example, I never asked them to give me an evaluation of my account on a regular basis showing graphs of how much I overspent, but they send it anyway. I never asked for increases in my credit card allowances, although they gave them to me anyway. What I do ask for is personal service. It's my money. The bank should and does work for me, although only ...

thingywhatsit 05.09.2006 · Read full review
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Review of HSBC

...way that Midland - or HSBC as they now are - have responded to those changes. I've divided the rest of this opinion into three areas reflecting the main ways that I can carry out my banking, describing how these benefit me and how HSBC performs in each case. BRANCHING OUT The handy thing about being with a High Street Bank is that you can go down to the high street and walk into a branch. I must confess that this is the option I use the least but ...
...I have walked into several HSBC branches and asked for information and in each case have had a useful conversation with a helpful and personable individual. It may have been the janitor for all I know, but they all seemed very nice. Oooh! Just thought of another one. Blimey, I'm almost getting excited. Foreign exchange. Should you require it in advance, you can get it here via Thomas Cook who have representatives in many (if not all) of the branches. ...

Paiceyjohn 29.05.2002 · Read full review
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Review of HSBC

...have now been banking with HSBC for about a year, I'm not one to visit branches so I find their internet banking facility brilliant, it's very easy to use, you can bounce between your savings,current account and credit card account - if you have one (you guessed it... I do!) When you check your balances you can also see all transactions on all accounts, including your credit card The transfer of money between them is very self explanatory & simple, ...
...internet bank myself...! I find HSBC one of the most attractive & easiest to use. I'm not the best person at handling or budgeting my money & since I've used the internet I haven't had a problem, I've never gone over my overdraft and budget a lot better. I know exactly where I am with my money & can transfer between account which is updated instantly for any of the unexpected shopping I do regular! I have never had to call the helpdesk with any ...

Redhead 04.05.2002 · Read full review
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Review of HSBC

...personal needs centred around your HSBC premier bank account. Opening the account This was pretty routine, I simply had to fill out the paper work, and produce two forms of identification for each account (I have two children) one with proof of name, e.g. passport and one verifying permanent address (of course this was just a formality as we lived in the same street!) and of course the cheque for the opening balance. That was it! Within a week they ...
...example the interest rate on HSBC current account is the standard rate of 0.10%. The HSBC premier bank account has tiered levels of interest, if the account balance is £2,000 then the interest is 0.20% and this rises gradually, when the account balance is £100,000 the interest rate is 0.99% (we are talking gross interest here) · You are also given a HSBC premier debit card with £250 cheque guaranteed facility. This card allows you to withdraw up ...

redpen 02.08.2003 (14.08.2003) · Read full review
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Review of HSBC

...grandparents were split evenly between HSBC and Barclays. Having done my own research, I found that HSBC (of course, back then it was Midland Bank) was the only bank offering cold hard cash to student account openers, like myself. This, I am ashamed to admit, was the deciding factor, and I sold my soul to the bank for £30. Now, as a student, the relationship between us was decidedly rocky. For one thing, I thought a SWITCH card was a license to shop. ...
...just me, I'm afraid.) HSBC Cheque book (I got a pen too) Dual function SWITCH/ Cheque guarrantee card (Up to £100) - this card is great as it is a part of the MAESTRO and CIRRUS networks, so you can get your mitts on money virtually anywhere in the world. This one is subject to individual status, for obvious reasons. They did actually take mine away for a short time, as it was about to spontaneously combust!! Some lucky gits also got a folder ...

nikki1520 17.12.2002 (19.12.2002) · Read full review
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Review of HSBC

...have been a customer of HSBC for some five years now and generally get good service, but over the last twelve months have had some quite serious problems with them. Twelve months ago I applied for a loan to pay off my computer which I bought on interest free credit. I asked for more than I needed because we wanted to buy some other stuff too. At the time I was told that I could borrow up to £5000 but I decided I only needed £2000, which they duly ...
...a £27.50 fee. On the whole I am pleased with the HSBC bank. The staff are friendly and informative, but the whole of their policy seems reliant on computers. While I am in favour of computerisation, why have a bank manager that has his hands tied by a machine? ...

cjkace 10.04.2001 · Read full review
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Review of HSBC

...bank accounts from Natwest to HSBC (after 12 years with Natwest) and I felt it only right to give them a pat on the back for what proved to be a fantastically smooth switch (excuse the pun). The background is that after a long trouble free realtionship with Natwest they let me down when I needed them the most as I got into financial difficulty. Despite a perfect banking history, Natwest refused me a loan. I was actually shocked because I almost ...
...back to HSBC. I approached HSBC for the loan instead and after some deliberation they agreed on condition that I switched bank accounts to bank with them and close my Natwest account. I was very reluctant to do this (better the devil you know and all that) and I was very worried about how if would affect future references for mortgages (has no detrimental affect) and the like. I was also daunted by the hassle of changing all my direct debits and ...

volpina 08.06.2002 · Read full review
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Review of HSBC

Formerly known as Midland Bank, HSBC is the world's second largest bank (last I heard anyway). I've banked with HSBC since I was 16, so that's a good 6 years holding a Current, Savings account and Credit Card with them. Like most other major high street banks. They offer you a range of ways to bank such as visiting branches, using Internet Banking, by Post and even by Telephone. BRANCHES In central London's West End, there are HSBC branches 15 minutes ...
...to have many branches about, HSBC are very convenient when you need to deposit money into your account. Branch opening hours vary between branches. Some open from 9am to 5pm where as some open later and close earlier and only on week days like most other banks. They used to open Saturdays but not anymore. The branch down the high street in Croydon opens the ATM area on Saturdays, where you can withdraw or even make deposits using the ATMs, which ...

Deru 24.04.2006 · Read full review
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Review of HSBC

...to learn some opinions on HSBC submitted to CIAO UK. I saw that most friends gave good recommendation on HSBC. The Site Finally, it brought me to www.hsbc.co.id. The website is represented in two languages, English and Indonesian. I learned the information on the site well. The site is easy to navigate. Then, I reached a link to correspond with HSBC – Indonesia. I asked them if I could open a personal account, the minimum deposit, etc. Online-Customer-Service ...
...got an email from HSBC – Indonesia. They explained all my questions in details in Indonesian (because I sent my inquiries in Indonesian). My first impression is that they did not use auto-responding software or a machine to reply me, but the online-customer-service staff replied me personally. At my first glance, I see that HSBC is really a well-managed and professional bank with a good customer service. Minimum Deposit for a Personal Account I ...

djohan 05.08.2002 · Read full review
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Review of HSBC

...housemate took me to his HSBC branch. It did take a little convincing that I wasn't up to no good and a signed statement on his part (because he had been a member since he was 7 years old) to say he would vouch for me; but I finally got my bank account in the UK. So aside from having a safe place to store my money (not that a spotty mattress in a furnished rented flat wasn't a safe place - I certainly wouldn't have gone near it if I didn't have to ...
...my Solo card in an HSBC machine after I had received the Swtich card, it was swallowed up, but who cared? I had my very own 'accepted in most UK retail/service centres' card. After a year, I was notified that I had been pre-approved for a 5,000 pound loan. It was kind of a scary thing since I didn't even ask for one, but nonetheless, it was nice to know that if I ever needed the bank's help in funding a massive shopping spree, they would be there ...

NoLogoGirl 07.01.2003 · Read full review
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Review of HSBC

...crashed in on us as HSBC replacing the more familiar Midland Bank we all knew and loved (?) With the slogan ‘The worlds local bank’ HSBC is indeed a massive organisation, with 7000 offices worldwide and a customer base of around thirty two million, you can see why they would want to capitalise on their size without scaring the customers away with the threat of it being a huge, faceless corporation. But as we all know, size isn’t everything, its ...
...HSBC measure up when it comes to plebs like me and (dare I say it) you? I opened my current account in 1998 tempted, as I am rather fickle, by their offer of a left handed chequebook. Later on I opened an instant access savings account and I have recently opened a joint account with them, so I’m a bit of a HSBC junkie when it comes to bank accounts. Opening an Account: When I opened my first account I went into the branch with my two forms of ...

michaird 13.11.2002 · Read full review
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Review of HSBC

As a member of HSBC (formally Midland), I feel that I have enough knowledge of the bank to tell people how good there bank accounts are. ******Value for money****** A fifty pound buffer zone – Although it is not all right to go overdrawn, HSBC allow members to go fifty pounds in the red, and no charge will be incurred. No monthly fees on agreed overdrafts – You can agree an overdraft with them and only pay interest. Free banking – ...
...puts you in Control****** HSBC allows you to use your back how and when you wish. 24-hour access to your money – You can do the following via the banks 24-hour self- service machines. - Withdraw cash - Check your balance - Ask for statements and mini-statements - Pay bills - Make payments to your accounts - Transfer your money to and from your back account and linked savings accounts. Telephone Banking – Using telephone banking ...

Lexus2001 02.03.2001 · Read full review
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Review of HSBC

...signed by my ex-wife. The Hsbc woman said , at the maturity of the policy, they would sort this out and not to worry. I carried on paying it, with assurance from them, only verbally though, that I wouldn't have any problems with the money owed to me. Years later, in the month of May, 2001, I got a letter asking for my ex-wifes signature releasing the monies to me. Why did they send it to me, did they think I had hid her under the bed?. I haven't ...
...I certainly don't know where she lives. All I know is that she has remarried and living in another area. I told the bank this, then I got several phonecalls. I went down to the bank, and the lady who had been dealing with the policy all along, the lady who knew about their mistake, rang the maturities dept and whispered, "It's our fault you know". Still no joy, they said the letter releasing my ex-wife from all entitlement from the house, wasn't ...

Dave39 16.07.2001 · Read full review
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Review of HSBC