# HSBC Expat — user reviews > 48 indexed App Store user reviews of HSBC Expat by HSBC Global Services (UK) Limited, rated 4.80/5 from 742 ratings. - Source: https://appshunter.io/ios/app/hsbc-expat/id1517806312/reviews - App overview in markdown: https://appshunter.io/ios/app/hsbc-expat/id1517806312.md - Rating breakdown: 5★ 667 · 4★ 45 · 3★ 12 · 2★ 1 · 1★ 17 ## What do users think of HSBC Expat? Overall sentiment: negative **Pros** - 👍 Easy to use - 🚀 Efficient mobile banking - 💡 Excellent upgrade with new features - ⚡ Fast response on chat **Cons** - 🐛 Crashes frequently - 🔒 Restricted account access - 📞 Poor customer service and communication - 💳 Inconvenient payment options - 🕰️ Slow international transfers **Commonly reported bugs** - Unable to view credit card statements - Forced app updates block access - Errors when opening new accounts - Global money transfers not working as expected **Most requested features** - Allow future-dated payments - Provide mortgage interest rate details - Improve payment workflows - Enable multi-device access ## Newest reviews (12 of 48) ### 4/5 — Customer Service is nonexistent *2026-03-11* App works well, tho some steps are either not available or difficult to navigate. Emails and returning phone calls is nonexistent. Extremely disconcerting! ### 4/5 — Good app, so-so customer service *2026-01-29* The app itself is fine and works as well as any other banking app I’ve used. But HSBC’s customer service is not that good. I stopped getting confirmations for my payments and after more than two months it’s still not fixed. It can take weeks (if ever) to get a reply to an email inquiry, and then they prefer to call you back which never works due to the 8 hour time zone difference - and if you call them it can be very expensive! I’ve had the same experience with past inquiries, it’s always super slow communication and sometimes no reply whatsoever. ### 1/5 — One device limit *2025-03-26* Previously I could have installed on both my iPhone or iPad, now I have to choose one. Not convenient banking ### 1/5 — Relationship manager service *2025-03-24, version 3.55.0* 25 years with off shore premier and service levels continue to slide to dismal levels. Apologies really mean very little without action. Shifting funds elsewhere. ### 1/5 — Fake 5 star reviews *2025-03-20* The app is horrible . Crashes ### 2/5 — HSBC have removed the mortgage interest rate from the quick details section *2025-03-01* HSBC have cynically removed the mortgage interest rate from the quick details view for my expat mortgage account. This is especially annoying as the bank of England is now starting to cut interest rates and customers will want to see the immediate changes. Why remove something that is useful to customer? Presumably because it wasn’t useful to HSBC? And yes, I know I can look on my statements for this info. But as usual with HSBC, why keep something simple when it can be made more complicated. ### 4/5 — Travel issues *2024-11-13* Telephone banking is limited when travelling. The difficulty lies in memorising the telephone banking number. There needs to be an alternative access method for non sensitive enquiries. Martin Walker ### 1/5 — Worst bank and worst customer care *2024-07-25* I am premier customer and I needed to get an up to date statement for my account. For that I have to reach out to customer care and then even after waiting for 2 days for 2 times every time an “empty”statement is generated. This bank doesn’t care at all about its customers. ### 1/5 — Representative for HSBC *2024-07-17* And that's not a good thing. Insanely complicated to set up. Practically anything you need requires you to call them, at which point the only security is a telephone pin, which may or may mot be treated as s password on their side. "Device limit" appears to be ... one! I've only ever had the app on my main phone, and I updated my phone once after signing up, but now it won't let me in due to my device limit apparently exhausted. Since they appear to have dropped netbank logins using the hard token in favour of ... the app, all access to my cash is gone! So, another painful phone experience with them. If you already have an HSBC Expat account, you don't really have a choice wrt banking apps, but for a sane life, maybe you shouldn't. ### 3/5 — Not the easiest to use *2024-06-07, version 3.46.0* Unintuitive and no logical processes to carry out simple tasks Account data is “hidden” and requires you to remember the downward swipe to reveal the account data - why not just provide a link 🤔 In order to generate a security code to access online banking (website NOT App) you have to log out of the App to get to the login screen to access the generate security code link - not very helpful if you are in the middle of a chat session which is then closed when you log out Whoever designed this app had no idea of banking workflows or standard banking processes and had created one of the most awkward banking Apps that I have ever used - even the Chat Agents find it difficult to use and don’t know how to access certain data eg. I was told the only way to access an account IBAN is via online banking (website) - however the IBAN is found [hidden] within the App 😝😝😝 This App is NOT for the technically challenged client - you have been warned ☠️☠️☠️☠️ ### 1/5 — Terrible app / call centre is useless *2024-04-19, version 3.43.0* Locked out of my account and nobody can help me. This company has so much money and the app and call centre service is appalling ### 4/5 — International transfer *2024-01-30* Was happy to be able to make an international transfer on the app. The information requested for a transfer to Canada was not enough to make the transfer. The money went into abis and eventually came back after several months and investigations Regards Joe ## Most critical reviews (10 lowest-rated) ### 1/5 — New client *2026-07-09* I’ve just spent an hour trying to complete the opening of my HSBC EXPAT account and I got time out . Not a great start . And now that I have read the comments listed here it doesn’t encourage to start again. Disappointed. ### 1/5 — Untrained staff *2026-06-22* Non existent customer service Call centre, relationship manager and online chat all say completely different things Slow and unhelpful I have been with the bank for 20 years . There is no help from them and have untrained staff ### 1/5 — Bad service *2026-03-09* Cannot place deposit only, the rates are so bad you feel you are being robbed. Only with them as I have other accounts elsewhere. And does not deal like a global bank. Does not look at consolidated relationships value at customer level across geographies. No assigned RM, RM are floating in more sense than one ### 1/5 — Unable to sent transfer *2026-02-11* HSBC expat are unable to complete an international transfer, and unable to tell me why for more than a year. For an expat account this should be their core business. Customer services is awful to nonexistent even when classed as a high value customer with a relationship director. Truly awful. ### 1/5 — No Future-Dated Payments, Poor Payments Journey *2026-01-07* You cannot future-date a straightforward payment to a UK bank account in the HSBC Expat app, despite it being promoted as their primary, safest, and free channel for payments. You can only future date a payment using online banking incurring a flat GBP4 fee per transaction. Additionally, compared to the Barclays app, the payments journey is not intuitive or friendly. There is also no ability to set up a standing payment in the app. Debit cards require signing up for the Global Money Account add-on, whether needed or not. Fixing these basics would align with customer expectations. ### 1/5 — Stone Age *2025-11-29, version 3.64.0* I try to transfer money between HSBC global account on weekend, and finally need to wait for their office open on Monday to complete the task, we are in 21 century, not Stone Age ### 1/5 — Forced updates *2025-11-23* Absolute rubbish that the bank is not allowing access to the application unless it’s been updated. No warning, no count-down, just no access to your money. ### 1/5 — Avoid HSBC Expat *2025-10-27* Without a doubt, the worst experience I’ve had with a financial institution. Multiple emails and calls to support with nothing but tail chasing in tight concentric circles. I would never trust my money to HSBC Expat after this experience. ### 1/5 — Absolute bunch of thieves!!! Don’t even think about banking with them!!!! *2025-10-05* Restricted my account after I provided all the details they requested. Stay clear of this bank. They never respond to any calls or emails. The Relationship Managers are next useless. Bad customer service- try somewhere else before you even think about HSBC Expat!!!! ### 1/5 — Worst process to open a new account *2025-05-06* Tried to open an account. Can only do it online. Tried 3 times and got the error “Something went wrong” with no indication of WHAT went wrong. Asked to call a number on the same error screen. Most unhelpful reps on that line. Keep sending me back to the website to open an account and asking about the error - well your error says nothing useful! Ask to talk to a manager - won’t let me. So they don’t know why people can’t open new accounts and don’t want to find out either. Only large fat banks can operate this way. Bottom line - after a week and multiple phone calls and online applications which ask for every personal data including a real time selfie - I have no call back, no idea on how to open an account. They are a large global bank !! ## Most praised reviews (10 highest-rated) ### 5/5 — excellent services *2026-03-03, version 3.66.0* great job ### 5/5 — Not able to view credit card statement *2026-01-14* I have a credit card but no access to the account on the app or download statements or easy payment to credit card from another HSBC account ### 5/5 — Mobile Push feature is great. Excellent upgrade *2025-11-12* Just updated the app — great to see the new bell icon and push notifications! I’ve enabled all notifications. This is a strong step forward for real-time engagement. ### 5/5 — Excellent Banking App! *2025-05-19* The HSBC Banking app is easy to navigate, effective and super efficient. Best Banking app in our experience of many years and numerous Banks. Very happy indeed, 5 star plus!! ### 5/5 — Fast response on chat *2024-08-21* Super to get a reply back so quickly.. ### 5/5 — International Transfers *2024-04-08* Easy to use, but exchange rates are not great. ### 5/5 — Three days for an online transfer *2024-03-25* I set up an online transfer from my HSBC Premier Expat account, based in Jersey to another bank based in Jersey. They charged me a fee took my money instantly and then told me that it takes 3 working days to pay the other account holder. How’s that for bad and inefficient customer service? Other banks are doing better than this. ### 5/5 — Fabulous *2023-10-29, version 3.37.0* Easy to use and simple but secure ### 5/5 — HSBC aid the best International Bank *2023-05-11* Best global management of personal funds ### 5/5 — Great app and great products *2023-04-27* Very happy with the app and the products after a year of banking with HSBC Expat. Global Money and the multi-currency debit card is great!! --- *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 2026-08-19.*