# HSBC Simply Pay — user reviews > 65 indexed App Store user reviews of HSBC Simply Pay by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India), rated 3.80/5 from 13 ratings. - Source: https://appshunter.io/ios/app/hsbc-simply-pay/id1276584690/reviews - App overview in markdown: https://appshunter.io/ios/app/hsbc-simply-pay/id1276584690.md - Rating breakdown: 5★ 9 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 4 ## Newest reviews (10 of 65) ### 4/5 — Best app but interface is slow *2026-07-24* 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. **Developer response:** 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 ### 3/5 — Clean Interface But Slow App with Annoying Marketing Notifications 📣 *2026-07-15* 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. **Developer response:** 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 ### 4/5 — Best app but interface is slow *2026-05-27, version 45.0* 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. ### 2/5 — Multiple Primary accounts reflecting in HSBC SimplyPay app *2026-03-14* 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 **Developer response:** 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. ### 5/5 — Works just perfectly!! *2026-01-31, version 41.0* 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!! ### 2/5 — UX is that that good *2026-01-11* 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. ### 3/5 — Mixed bag *2026-01-07* 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 ### 5/5 — User friendly *2025-12-04, version 38.0* Easy to use, easy to navigate. Good service within expected timeline ### 3/5 — The notifications have to go! *2025-10-07, version 35.0* Cant turn off the notifications since I need it to know about credit status. But the daily 1-2 promo notifications. Keep showing up on the notifications counter and cant be swiped away. Each has to be opened and marked read. Such a waste of time of time. ### 1/5 — Unreliable and Frustrating *2025-08-10, version 33.0* This app is completely unreliable. It crashes almost every time I try to use it, especially when I need it the most. Payments fail, and I’ve had to switch to other methods at the last minute, which is both stressful and inconvenient. A payment app should be fast and dependable—this one is neither. ## Most critical reviews (10 lowest-rated) ### 1/5 — Stuck at Registration. Not able to register on app *2026-07-20* 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. ### 1/5 — Worst App *2026-06-06, version 45.0* 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. ### 1/5 — Same SOUND/TUNE for everything *2026-03-20, version 41.0* 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. ### 1/5 — Slow Performance & Outdated UI – Needs Major Improvement *2026-02-04* 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. ### 1/5 — Worst App and a Nightmare to Install *2026-01-31, version 41.0* 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 !! ### 1/5 — Sucks *2025-12-23, version 39.0* Error code 12 - device integrity failed. Not sure why. ### 1/5 — No use in UK *2025-11-19, version 37.0* 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. ### 1/5 — Absolutely useless *2025-11-01* Government of India announced in 2023 that NRE/NRO accounts with foreign telephone numbers can avail of UPI services. But HSBC is just not offering that even in 2025. HSBC is probably the worst bank for NRI services. I advice people to stay away from this bank ### 1/5 — Can’t sign up with US number *2025-10-15* I have an NRE/NRO account and is linked with my US phone number. This is so stupid and can’t use any other UPI apps like PhonePe 😅 ### 1/5 — Hopeless *2025-09-22* Nowadays even a school student is able to develop decent apps, this so called international bank failed to develop a basic app. They don’t have upi facility from their mobile app and for that reason they came up with this silly app to address that need in India. The very beginning registration phase itself a failure! Have tried n number of times with 0 success and me being their premier customer, raised a ticket with their premier customer care team, they couldn’t resolve and just closed in 5 days to maintain their SLAs without even providing me an update. They have unreliable staff who makes false promises, now it all makes sense, standards are same from staff and their silly applications! I have escalated my banking issue to principal nodal officer as well, and no response from them. If anyone values their time, I sincerely advise to stay away from this bank **Developer response:** Hello, we regret the inconvenience caused. To assist you we would need more information. Hence, request you to raise your concern on https://www.apps.asiapacific.hsbc.com/1/2/inm2/complaint-form and our team will look into it. ^Shruti ## Most praised reviews (10 highest-rated) ### 5/5 — Scope of Improvement is there *2026-08-17* 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. ### 5/5 — Scope of Improvement is there *2026-07-24* 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. ### 5/5 — App is good but needs more recognition *2026-06-10* 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 ### 5/5 — Scope of Improvement is there *2026-05-24, version 44.0* 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. ### 5/5 — Awesome *2026-05-24, version 44.0* Ease of making payments, excellent cash back rewards, elegant User interface, tons offers on every payment option. ### 5/5 — Excellent UPI Application *2026-05-22, version 44.0* 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. ### 5/5 — Excellent *2026-05-02, version 43.0* App is perfectly user friendly and all the tabs are working fine , we can make all the Payments under one. ### 5/5 — Seamless and Reliable Payment Experience *2026-04-17* 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! ### 5/5 — A bit slow but improving *2026-04-01, version 42.0* 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 ### 5/5 — Smooth and rewarding solution by HSBC *2026-03-27, version 42.0* This app is much better as compared to another banking app,, process in short and smooth and we got rewards amount in each transaction --- *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 2026-09-02.*