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.
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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.
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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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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Works just perfectly!!
I have been using this app for all of my day to day transactions and bill payments since past 4 months ; and the experience has been amazing! Plus the cash backs that I got are simply unbelievable. Thanks HSBC!!
UX is that that good
The app has been showing incorrect login passcode although it is correct and I’m having it reset it everytime I want to yse the app from past few weeks.
Unable to scan a few UPI QR codes ( BMTC QR codes of Canara bank) and I have to enter their UPI id instead.
There is no contact to reach out to for failed trasactions. Some of my transactions have failed and reporting is also not done properly. Nobody to reach out to immediately.
Transaction history of only a few days is shown. Could have had a button to show more transactions so that I could view all my transactions.
HSBC team, please look into these issues and fix them.
Unable to scan a few UPI QR codes ( BMTC QR codes of Canara bank) and I have to enter their UPI id instead.
There is no contact to reach out to for failed trasactions. Some of my transactions have failed and reporting is also not done properly. Nobody to reach out to immediately.
Transaction history of only a few days is shown. Could have had a button to show more transactions so that I could view all my transactions.
HSBC team, please look into these issues and fix them.
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Mixed bag
I was thrilled when HSBC launched an UPI interface app because their security is top notch and I can safely do transaction without fear of any unwarranted access. When it works, it works really well, but sometimes loading it takes a long time . It also hangs quite often and I have to re-start the phone to enable the app to work again which is frustrating
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Sucks
Error code 12 - device integrity failed. Not sure why.
User friendly
Easy to use, easy to navigate. Good service within expected timeline
No use in UK
It would have been useful for OCI holders to be allowed with international numbers to do transactions in India as per Indian Government directive. It could have been used more. Now it doesn’t even open in UK.
