Worst UI, UX and functionality.
There are a lot of issues with this app that make it almost completely unusable, especially when compared to the HSBC Mobile Banking app, which is great.
1. As soon as you open the app, there is a loader/buffering screen. Why? UPI is meant to be quick, yet it takes more than 5 seconds just to load before even reaching Face ID authentication.
2. Once you log in, the “Create UPI Number” prompt keeps appearing repeatedly.
3. There is a promotional banner at the top that feels cramped and doesn’t properly align with the phone’s screen resolution.
4. There is a large, bold “Send/Request Money” section, even though there are many other things users can do apart from sending or receiving money.
5. Once you scroll up, there is a semi-transparent navigation bar that stays fixed on the screen. It feels more like a UI issue than an intentional design element.
6. The text is not responsive and is barely readable in places, such as the “Biometric Authentication” section.
7. After bill payments, there is a tsunami of promotional images. This feels excessive for a bank like HSBC. Even within a UPI app, there are simply too many advertisements.
8. At the bottom of every screen, there is a sticky bar containing the RuPay logo and other social media logos. These elements feel unnecessary and take up valuable screen space.
9. Every time you switch to a different screen, there is noticeable buffering, even for what appears to be client-side rendering. The app does not feel fast or responsive.
10. Finally, there is a major inconsistency in the overall design between HSBC’s own design language, Liquid Glass, and this app. It feels like a collage of different UI styles rather than one cohesive product. Nothing feels visually connected or particularly pleasant to use
1. As soon as you open the app, there is a loader/buffering screen. Why? UPI is meant to be quick, yet it takes more than 5 seconds just to load before even reaching Face ID authentication.
2. Once you log in, the “Create UPI Number” prompt keeps appearing repeatedly.
3. There is a promotional banner at the top that feels cramped and doesn’t properly align with the phone’s screen resolution.
4. There is a large, bold “Send/Request Money” section, even though there are many other things users can do apart from sending or receiving money.
5. Once you scroll up, there is a semi-transparent navigation bar that stays fixed on the screen. It feels more like a UI issue than an intentional design element.
6. The text is not responsive and is barely readable in places, such as the “Biometric Authentication” section.
7. After bill payments, there is a tsunami of promotional images. This feels excessive for a bank like HSBC. Even within a UPI app, there are simply too many advertisements.
8. At the bottom of every screen, there is a sticky bar containing the RuPay logo and other social media logos. These elements feel unnecessary and take up valuable screen space.
9. Every time you switch to a different screen, there is noticeable buffering, even for what appears to be client-side rendering. The app does not feel fast or responsive.
10. Finally, there is a major inconsistency in the overall design between HSBC’s own design language, Liquid Glass, and this app. It feels like a collage of different UI styles rather than one cohesive product. Nothing feels visually connected or particularly pleasant to use
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Scope of Improvement is there
I really like the app because of the cash backs but please make the app faster it takes time to load and make the interface more appealing to the eyes it looks like we are using some lite version of the application.
If possible please provide cash back on rupay credit UPI payments also.
If possible please provide cash back on rupay credit UPI payments also.
Best app but interface is slow
With the offers and promotions this is the best UPI payment app on the market. The areas where the app lack are -
1. On the interface response time- it takes a while to load the app, also the network optimisation is not quick also while making the payment the beneficiary details post QR scan is a bit slow.
2. There should be zoom feature integration with the camera to lookup the QR codes which are bit far from us.
Please note - That being said let’s not take away the ease of transaction and rewards which HSBC is providing. Still one of the best app. A humble request to the team to improve in the interface interactive response time.
1. On the interface response time- it takes a while to load the app, also the network optimisation is not quick also while making the payment the beneficiary details post QR scan is a bit slow.
2. There should be zoom feature integration with the camera to lookup the QR codes which are bit far from us.
Please note - That being said let’s not take away the ease of transaction and rewards which HSBC is providing. Still one of the best app. A humble request to the team to improve in the interface interactive response time.
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Response from developer
Hello, we appreciate your feedback. We are in the process of continuously upgrading our digital capabilities. We will keep adding new features on an ongoing basis. ^Mishal
Scope of Improvement is there
I really like the app because of the cash backs but please make the app faster it takes time to load and make the interface more appealing to the eyes it looks like we are using some lite version of the application.
If possible please provide cash back on rupay credit UPI payments also.
If possible please provide cash back on rupay credit UPI payments also.
Stuck at Registration. Not able to register on app
I am stuck at the registration process itself. The entire onboarding experience has been extremely frustrating and time-consuming.
It’s been over a week, and I still haven’t been able to log in to the app. On the “Re-verify Device” screen, I consistently receive the message: “Request couldn’t be processed due to technical reasons. Please try later”
If users cannot even complete the registration and device verification process, it’s hard to have confidence in the rest of the app experience. After spending so much time just trying to get access, I can only wonder what other hurdles might appear once I finally manage to log in.
A banking app should provide a smooth and reliable registration process, especially for existing customers. Unfortunately, my experience so far has been very disappointing.
It’s been over a week, and I still haven’t been able to log in to the app. On the “Re-verify Device” screen, I consistently receive the message: “Request couldn’t be processed due to technical reasons. Please try later”
If users cannot even complete the registration and device verification process, it’s hard to have confidence in the rest of the app experience. After spending so much time just trying to get access, I can only wonder what other hurdles might appear once I finally manage to log in.
A banking app should provide a smooth and reliable registration process, especially for existing customers. Unfortunately, my experience so far has been very disappointing.
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Clean Interface But Slow App with Annoying Marketing Notifications 📣
This app is good. I like the clean interface but its speed is not upto the mark. Opening app takes time comparatively and don’t know why but never gets open in first instance, always need to open-close-open again otherwise it will remain stuck at opening page, even then it takes longer to load the app than other available options in the market. Also the popup advertising notifications are really annoying. There should be options to disable such notifications.
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Response from developer
Hello, We appreciate your feedback. We are in the process of continuously upgrading our digital capabilities. We will keep adding new features on an ongoing basis. ^Sowmya
App is good but needs more recognition
App is fine but whenever I try to make an online purchase and check out by UPI, SimplyPay doesn’t show up as an option. Nowadays the websites are not allowing us to even put in a UPI ID to trigger payments. This needs to be addressed please
Worst App
1. Poor User Experience• This application has proven to be the worst I have ever used due to repeated restrictions and limitations.
2. Usage After a Gap• Whenever I attempt to use the app after a few days, or even after two weeks, the same issue arises.
3. Transaction Limitation in First 24 Hours• The application consistently displays a notification stating that money transfers cannot exceed ₹5,000 within the first 24 hours.
4. Restriction Over 72 Hours• Furthermore, within a 72‑hour period, the app restricts transactions to a maximum of ₹15,000 only.
5. Overall Impact• These limitations make the app highly inconvenient and unsuitable for regular financial transactions.
2. Usage After a Gap• Whenever I attempt to use the app after a few days, or even after two weeks, the same issue arises.
3. Transaction Limitation in First 24 Hours• The application consistently displays a notification stating that money transfers cannot exceed ₹5,000 within the first 24 hours.
4. Restriction Over 72 Hours• Furthermore, within a 72‑hour period, the app restricts transactions to a maximum of ₹15,000 only.
5. Overall Impact• These limitations make the app highly inconvenient and unsuitable for regular financial transactions.
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Best app but interface is slow
With the offers and promotions this is the best UPI payment app on the market. The areas where the app lack are -
1. On the interface response time- it takes a while to load the app, also the network optimisation is not quick also while making the payment the beneficiary details post QR scan is a bit slow.
2. There should be zoom feature integration with the camera to lookup the QR codes which are bit far from us.
Please note - That being said let’s not take away the ease of transaction and rewards which HSBC is providing. Still one of the best app. A humble request to the team to improve in the interface interactive response time.
1. On the interface response time- it takes a while to load the app, also the network optimisation is not quick also while making the payment the beneficiary details post QR scan is a bit slow.
2. There should be zoom feature integration with the camera to lookup the QR codes which are bit far from us.
Please note - That being said let’s not take away the ease of transaction and rewards which HSBC is providing. Still one of the best app. A humble request to the team to improve in the interface interactive response time.
Show more
Scope of Improvement is there
I really like the app because of the cash backs but please make the app faster it takes time to load and make the interface more appealing to the eyes it looks like we are using some lite version of the application.
If possible please provide cash back on rupay credit UPI payments also.
If possible please provide cash back on rupay credit UPI payments also.
Awesome
Ease of making payments, excellent cash back rewards, elegant User interface, tons offers on every payment option.
Excellent UPI Application
It was a good application and currently also a good application, however in mid years post launch application has serious issues and was linked with HSBC India app where performance was bellow average.
Excellent
App is perfectly user friendly and all the tabs are working fine , we can make all the Payments under one.
Seamless and Reliable Payment Experience
HSBC Simply Pay makes everyday transactions incredibly smooth and hassle-free. The app is user-friendly, fast, and very secure, which gives great peace of mind while making payments. I especially like how quickly transactions are processed without any glitches. The interface is clean and easy to navigate, even for first-time users. Overall, a dependable and efficient payment app that does exactly what it promises. Highly recommended!
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A bit slow but improving
It was buggy earlier this year while opening and UPI request amount wouldn't update on the merchant window but it's been improved. Does the job
Smooth and rewarding solution by HSBC
This app is much better as compared to another banking app,, process in short and smooth and we got rewards amount in each transaction
Same SOUND/TUNE for everything
Who keeps same sound/tune for everything, you make the transaction “same sound “ , you get a push notification “ same sound “ , you get notifications “ same tune” , sometimes I just think oh did the money debit my account without making any transactions cos the SOUND IS SAME FOR EVERYTHING, you can pay little more to your developer. Also , app with the most less function across the financial institution.
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Multiple Primary accounts reflecting in HSBC SimplyPay app
The app currently shows multiple accounts marked as 'Primary' where typically one account should hold this designation. There appears to be no option to remove or change the primary status to the linked account, creating usability issues. Even after installing the latest SimplyPay app v41.0 and updating the latest iOS 26.3.1 the issue still persists. This is a recurring issue occured during Aug-Sep'25 but team wasn't able to provide a resolution. Request the team to review and address this configuration issue to ensure proper primary account management within this app
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Response from developer
Hello, we are in the process of continuously upgrading our digital capabilities. We will keep adding new features on an ongoing basis. We request you to reach our Phone banking services, refer link for the contact details http://grp.hsbc/6183HkuML. You may also choose our other channels like Live Chat & Mobile Chat; we request you to initiate the chat from your registered login id and we shall be happy to assist. ^ Mishal.
Slow Performance & Outdated UI – Needs Major Improvement
I have been using the HSBC Simply Pay app, but the overall experience has not been smooth.
The app feels very laggy and slow during daily use. Pages take a long time to load, and even basic actions like opening the app, navigating between sections, or completing payments often have noticeable delays. This becomes frustrating, especially when quick transactions are needed.
The UI/UX design also needs improvement. The interface looks cluttered and not very clean or intuitive, which makes it harder to find options quickly. A more modern, lightweight, and user-friendly design would greatly improve usability.
Since this is a payments app, speed and reliability are very important. I request the team to optimize performance and update the UI so that payments can be completed smoothly and efficiently.
The app feels very laggy and slow during daily use. Pages take a long time to load, and even basic actions like opening the app, navigating between sections, or completing payments often have noticeable delays. This becomes frustrating, especially when quick transactions are needed.
The UI/UX design also needs improvement. The interface looks cluttered and not very clean or intuitive, which makes it harder to find options quickly. A more modern, lightweight, and user-friendly design would greatly improve usability.
Since this is a payments app, speed and reliability are very important. I request the team to optimize performance and update the UI so that payments can be completed smoothly and efficiently.
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Worst App and a Nightmare to Install
This is probably the worst App in the world
Live overseas when UPI was transitioned to this App and have been trying to install it since then. The ridiculous part is to respond to two SMS in under 5 seconds. An absolute nightmare for senior citizens. Finally came to India after 15 months and that’s aha my woes will be over since the UPI is linked to my Swiggy, Air Booking etc. After 3 tries the device binding gets blocked for 24 hours and the support team does nothing to unblock that so after 48 hours I gave up and configured Paytm and other UPI’s in under 5 mins each . While HSBC support says our SLA is 3-5 working days . What a ridiculous Joke !!
Live overseas when UPI was transitioned to this App and have been trying to install it since then. The ridiculous part is to respond to two SMS in under 5 seconds. An absolute nightmare for senior citizens. Finally came to India after 15 months and that’s aha my woes will be over since the UPI is linked to my Swiggy, Air Booking etc. After 3 tries the device binding gets blocked for 24 hours and the support team does nothing to unblock that so after 48 hours I gave up and configured Paytm and other UPI’s in under 5 mins each . While HSBC support says our SLA is 3-5 working days . What a ridiculous Joke !!
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