# Hang Seng Personal Banking — user reviews > 155 indexed App Store user reviews of Hang Seng Personal Banking by Hang Seng Bank Limited, rated 1.80/5 from 89 ratings. - Source: https://appshunter.io/ios/app/hang-seng-personal-banking/id1039256353/reviews - App overview in markdown: https://appshunter.io/ios/app/hang-seng-personal-banking/id1039256353.md - Rating breakdown: 5★ 15 · 4★ 1 · 3★ 2 · 2★ 5 · 1★ 66 ## What do users think of Hang Seng Personal Banking? Overall sentiment: negative **Pros** - ✨ Nice and appealing design **Cons** - 🐌 Extremely slow updates - 🐌 Painfully slow performance - 🐛 Frequent app crashes - 🐛 Login issues - ❓ Unclear instructions - ❌ Not user-friendly - ❌ Difficult to use overseas - ❌ Limited functionality - ❌ Large app size - ❌ Security concerns with password changes - ❌ Inconvenient verification process **Commonly reported bugs** - App crashes on opening - Login errors blaming user's network - Verification emails delayed or expired - Cannot find PIN and username within the app - App requires update almost every time it's opened - Update process is slow and cannot be done in background - App freezes on loading screen - App crashes after updates - Authenticator is useless and logs out users - Security device is a nightmare - Lost digital secure key after deleting app - App not working outside HK - Cannot make payments to American Express cards - Easypay not under transfer - No return buttons on subpages - Cannot find search button - App requires phone OS update to update itself - System unavailable errors **Most requested features** - Allow local USD transfers - Improve overseas accessibility - Provide better online assistance - Allow using old complex passwords - Add Touch ID support - Add exchange rates without login ## Newest reviews (17 of 155) ### 2/5 — Report a bug in banking balance display *2026-04-17, version 26.6* How to reproduce the bug on the mobile app : 1. Have the mobile app logged in; 2. Received funds from other sources( a local transaction) , say Fund_A) 3. Without refreshing the account page to reflect the updated balance ( with the new fund) , try to do another fund transfer ( Say Fund_B) from this bank account to 3rd payee 4. [bug happens ] the From account balance on display, is using an old balance , not taking into account the amount of Fund_A. So the bug is the wrong balance display. ### 1/5 — Dumbest banking app *2025-09-30, version 24.1* Every time need to update ### 3/5 — Can be more user friendly *2025-07-23, version 23.3* App can be added with comprehensive service of transaction record of minimum one year or up to three years with easy search tool. ### 1/5 — E-banking *2025-07-19, version 23.2* Had an horrible experience with the bank, they literally denied my choice of spending. It’s none of their business of what I use my money for, they do not listen to customers and make things worse for a customer. Very disappointed from a person that has been with the bank over 30 years. ### 1/5 — Worst banking app *2025-07-01, version 22.9* Garbage system, you can’t find pin and username within the app. ### 1/5 — Useless *2025-02-16, version 21.8* The most useless banking system ### 2/5 — Super slow *2024-12-03* Something about the recent update has made it painfully slow ### 1/5 — Verification email arrives delay !! Cant do this overseas!! *2024-11-15, version 21.0* I always want to login my account, however it takes ages for me to receive the verification email to my inbox. The code has already expired!!! Not user friendly in overseas ### 1/5 — So slow *2024-11-09, version 21.0* Give me 500$ I can make a better one. ### 1/5 — Account opening fail *2024-08-06, version 20.6* Tried to use the app to open an account. Fill in all details. Got told by SMS I must book appointment in branch (booking on website, not app). Arrive at appointment, told to wait 1 hour. Staff say my application is declined, reason unknown. Only way forward is manually re-entering all data to apply in branch. Obviously ran out of time after spending almost an hour and a half to find out I would need to spend a further hour filling in details I’ve already provided in the app. ### 1/5 — Worst banking app I have ever encountered *2024-07-02, version 20.3* This is the worst banking app I have ever encountered. The list long on how bad it is. Very very difficult to use and I am usually good with technology ### 1/5 — Rubbish APP *2024-05-23, version 19.5* Unbelievable! Unprofessional! Waste of time! Ruin customer’s peace of mind! ### 1/5 — ebanking service which you cannot access *2024-05-04, version 19.5* Everytime I want to login the apps for performing some functions or check something for my bank accounts, I was forced to update the apps and was not allowed to access the apps without updating. And it always takes long time for loading and loading, sometimes even rebooting the phone is required. I think the frequent and compulsory requirement for updating the apps completely contradict with the purpose of ebanking - allowing prompt access to banking services at the time. The apps developer shall review on this. Otherwise it will drive its customers to other banks… ### 1/5 — rubbish *2024-02-19, version 17.8* rubbish ### 3/5 — 派利是 *2024-02-10, version 17.8* 派利是功能有啲問題，打完祝福語確認後過唔到，請檢查一下。 ### 1/5 — Keep updating everytime I open the App *2023-12-10, version 17.6* I have one simple request, that is to open the app and withdraw money from the ATM. Yet, everytime I open the app, there's something updating and I have to take out my ATM card again. What's the use of having an App but takes 5 mins to update everytime u open it? ### 3/5 — Can’t draw cash through mobile withdrawal *2023-11-02, version 17.2* Everytime I enter amount through virtual keyboard in mobile withdrawal, the app crash immediately. Please fix asap ## Most critical reviews (10 lowest-rated) ### 1/5 — Most user-unfriendly banking app *2026-07-22* As another user noted, the design is counter-intuitive and cumbersome. A lot of the security measures makes it extremely difficult for users to get through. Skip the updates and just scrap this and start with a better design. ### 1/5 — Notification as spam *2026-07-14, version 26.14* Notification option only has on and off, so you either have to risk not knowing any important info about your account. Or you have to ensure the almost daily marketing SPAM, on every device, can you stop making it your mission to annoy people? ### 1/5 — Daren *2026-07-05, version 26.14* Horrible app. Get your IT dept fired please. ### 1/5 — Worst banking app ever *2026-06-23* Such of big company with garage IT app ### 1/5 — 使えにくい *2026-04-19, version 26.7* 使えにくい ### 1/5 — 垃圾app *2026-03-11, version 26.5* 點解冇零分比？ 身份認證跟哂規矩做一直失敗 失敗到銀行戶口直接凍結我帳戶 幾時執笠？ ### 1/5 — 你系統個網絡係唔係食左屎啊？！ *2026-01-10, version 25.8* 完全login唔到！每次輸入完帳戶密碼就彈出error，顯示我的網絡問題！我連YouTube都睇到呀！有乜可能係我網絡問題啊？ ！出問題就賴用戶！就算kill左個app重新打開重新登錄，即使登陸成功，當我點查看所有戶口，或轉賬，都係顯示我的網絡問題！食屎啦！搞到我連自己帳戶都查唔到！又過唔到數！我點找卡數啊！呢個問題已經唔止出現一次啦！仲要投訴無門！咁大間銀行做啲嘢出嚟咁垃圾咁！ ### 1/5 — Not user friendly at all *2025-12-26, version 25.8* Spent an hour just trying to replace my linked device (as I’ve replaced my phone) but to no avail. I have been a customer for 10+ years but honestly this app made me decide to switch to other banks who offer better e-banking services (which is where one usually does banking nowadays). This app is completely unusable and instructions are often circular. I hope someone at the bank sees this and realise that this app is actively driving your customers to put their cash elsewhere…. ### 1/5 — ridiculous *2025-12-21, version 25.8* unfriendly to people from overseas especially people who have not yet renewed HKID. You have nowhere to activate online mobile app from overseas ### 1/5 — On line assistance *2025-11-09, version 25.2* Can’t find any useful assistance. ## Most praised reviews (10 highest-rated) ### 5/5 — Simple and easy-to-use layout *2020-05-01, version 6.0* Organized and user-friendly ### 5/5 — Loading time can be improved *2019-09-10, version 4.9* Overall interface is fine but it takes some time for loading, especially when navigating across different modules at the vertical option bar ### 5/5 — Great *2019-03-02, version 4.3* Stable and easy to use ### 5/5 — Hello *2018-07-21, version 3.3* Hello ### 5/5 — Outstanding banking app *2015-12-31, version 1.0* Good! ### 4/5 — Suggestions regarding the online account opening feature *2026-04-23, version 26.8* Please test the online account opening functionality before the May Day holiday in 2026, as there will be a large number of mainland tourists during the holiday, who will conveniently open accounts while traveling. ### 4/5 — App closed after login *2021-05-23, version 8.5* The app closed immediately after login, please check and fix, thanks ### 4/5 — Account Preview *2019-07-06, version 4.7* It will be great if all accounts can be shown on first page, including saving, integrated and credit card, etc. ### 3/5 — Can’t change the app language *2025-11-04, version 25.2* bug: switch to system setting but can’t find the language option. ios version:16.7 ### 3/5 — Security issue *2025-10-23, version 24.4* I don’t think the app should display my name before i have logged in, the app also displays screen from last expired session when I returned from background for unknown reason, which could lead to major security risks. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-18.*