# HSBC US — user reviews > 215 indexed App Store user reviews of HSBC US by HSBC Global Services (UK) Limited, rated 4.70/5 from 49,469 ratings. - Source: https://appshunter.io/ios/app/hsbc-us/id1344750175/reviews - App overview in markdown: https://appshunter.io/ios/app/hsbc-us/id1344750175.md - Rating breakdown: 5★ 41,163 · 4★ 4,306 · 3★ 1,327 · 2★ 618 · 1★ 2,055 ## What do users think of HSBC US? Overall sentiment: negative **Pros** - 🌎 Global transfer - ✨ Use smoothly - 📤 Paying in a cheque is very easy electronically - 📤 Check deposit - 🏃‍♀️ Simple app to use especially on the move - 💰 International banking and flexibility **Cons** - 🐛 POOR check deposit software - 🐛 Unable to deposit checks through the app - 🐛 Persistent bug depositing checks - 🔒 Secure Device activation does not work - 🐛 Bugs remain despite raising with customer services - 🐛 Can't deposit anymore - 🐛 Outdated and not user friendly - 🐛 Useless - 🐛 Minimal at best - 🐛 Secure Device activation does not work - 🐛 Frustrating beyond belief - 🐛 Warning to some iPhone 11 users - 🐛 Scrolling - 🐛 Useless - 🐛 Terrible. You just lost a customer. - 🐛 Useless cheque deposit feature **Commonly reported bugs** - Check deposit camera issues - Inability to see pending transactions - Lack of functionality to lock/freeze debit card - Inconsistent transaction history display - Difficulty in setting up secure device activation **Most requested features** - Pending mobile deposits visibility - Apple Watch balance sneak peak - Pay HSBC credit card from external bank account ## Newest reviews (10 of 215) ### 4/5 — Notifications *2026-08-19, version 3.72.12* I wish notifications for debit card transactions would be added and not only be limited to credit card holders. ### 2/5 — Update the app *2026-06-19, version 3.70.0* Despite being a prominent international bank, HSBC's mobile banking app falls short in comparison to its competitors, such as JP Morgan and Wells Fargo. Notably, the app lacks essential features, such as a dedicated button for managing debit cards, necessitating the use of a separate app for individual card management. Furthermore, initiating transactions from an external bank account is not possible through the mobile app, requiring users to log in to their account on a computer. These shortcomings undermine HSBC's ability to serve as a comprehensive banking solution, as the app's inadequate services become evident. Additionally, the app fails to provide essential account information, such as the account number and routing number. This situation is particularly concerning given the year 2026. It is imperative that HSBC's website development team prioritize the enhancement of the mobile app to improve customer service and meet the evolving needs of its users. ### 4/5 — Not Ready for Prime Time *2026-06-16, version 3.70.0* Tried to deposit check multiple times and everything except confirm screen worked perfectly. Filed multiple complaints, no answer for days. Was finally advised to download new version from AppStore. Did so, still same problem. Finally got call back. System problem with new version, will not be fixed till NEXT MONTH, but I can go to branch (remember closure of so many few years ago, sold to Citizens Bank) but requires 30-45 minute drive to nearest branch, or can mail it in (lose anything in the mail lately by USPS?), so both options are not practical. This is how they watch your money and care for you?! Perhaps it’s time to change to another more reliable bank. ### 1/5 — How do you want to confirm your identity? *2026-05-22, version 3.70.0* Not an app Update: Developer thinks I’m their secretary ### 1/5 — Service unavailable error *2026-05-20, version 3.68* Since the past 2 weeks I’m not able to login via this app. I get an error saying “service unavailable“. I am able to generate security code and login via desktop browser. It’s frustrating that app is not working for so long. ### 1/5 — How do you want to confirm your identity? *2026-04-13, version 3.68* Not an app ### 2/5 — Extremely Basic *2026-04-08, version 3.68* Basic functionality of viewing your deposit accounts. No ability to truly manage your money or investments. If you’re looking for a bank that allows you to manage your own money, HSBC is not it, evidenced by this app. ### 3/5 — App needs work *2026-04-07, version 3.68* Been using the app for a few weeks now and it needs more capabilities. It’s SUPER basic. It was difficult adding another bank so I can move money between domestic banks (SoFi). I had to use web browser. Now I’m trying to update my auto payment account. Same issue. I need to most likely use a web browser again. If I can’t trust the app, how am I supposed to trust if I can use zelle? ### 1/5 — Not good experience *2026-03-28, version 3.66.0* I submitted domestic transfer requests and it says it's successful but nothing happened ### 5/5 — 方便又快捷的全球转账服务 *2026-03-26* 在汇丰银行全球的同名不同账户中进行转账汇款是一项高效又快捷的服务，非常感谢。 ## Most critical reviews (10 lowest-rated) ### 1/5 — Worst Banking App/Experience Ever *2026-08-21, version 3.72.12* I recently opened a premier relationship and I’m already considering closing it. The mobile app is terrible, I think it was developed in the 1980s. There is a lot of functions you can’t do in the app which you need to login to internet banking for which now requires some kind of crazy verification with your mobile phone. ### 1/5 — Sends unsolicited notification spam *2026-07-28, version 3.72.12* The app spams with ads - “USD at 1 month high vs EUR It could be a good time to send money internationally.” without any way to opt out in the app ### 1/5 — Useless and disappointing *2026-07-22, version 3.72.12* What is the purpose of the app if throws you over to a browser? Then when you sign in on the browser, there are obnoxious pop ups telling you to download the app. This has always been the worst banking app I’ve used. I can’t comprehend why the app is so clunky compared to any other banking app. I also have marketing emails turned off and they just don’t stop. I’ve relegated as email junk to try to stop them from clogging my email. ### 1/5 — Support chat doesn’t work *2026-07-07, version 3.70.18* Chat support is forever showing a loading icon in the app, always have to login to the website to access chat support instead ### 1/5 — App exposes security vulnerabilities *2026-07-07, version 3.70.18* Received email saying that now you can login and using Social Security number or Passport number. Why would HSBC think that using your SS or passport is better for security. Now thieves can use their login to verify that your SS has account at HSBC. Genius CIO should be fired. ### 1/5 — Checks don’t deposit and NO in-person banks nearby *2026-06-25, version 3.70.0* HSBC bank offers only one branch location on Long Island. One! Long Island is a very big place. The next location closest is in NYC. In addition, there is a specific set of checks that will not deposit using the app. That means, I need to wait until I am somewhere near the one branch on Long Island (a 40 min drive!) or make a special trip just to deposit checks. I recognize that HSBC is interested only in wealth management, they do still offer checking accounts, and they should provide a means of more easily servicing those accounts. I have brought the check deposit situation to the attention of HSBC now multiple times, to no avail; nothing ever gets fixed. While HSBC offers ATM service through All Point, that is only for withdrawal. HSBc should also offer a means of ATM or other deposit, instead of inconveniencing customers with only ONE location across a vast area. ### 1/5 — Service unavailable since almost a month! *2026-06-19, version 3.70.0* It’s been over 3 weeks that the app is simply not working. It just says ‘service unavailable’! Super frustrating. ### 1/5 — lost login data in app without any major system issue AGAIN IN 2026 *2026-06-10, version 3.70.0* And I have to reset the app I recommend that return to the old app that is US designed, and more robust 2026 UPDATE: I encountered the very same issue 7 years later since last update of the app ### 1/5 — Service unavailable *2026-06-08, version 3.70.0* As previous people have mentioned the app says service unavailable and has been like this for weeks. App is generally good but this lengthy downtime is unacceptable in my opinion. Push a new update please so we can manage our finances. ### 1/5 — I CANNOT GET INTO THE APP 05.29.26 *2026-05-29, version 3.70.0* I have been trying to access the app since this morning. It is now 12 hours later and it keeps saying service unavailable. I called customer service and they told me that emails were sent informing of a new update. There is no update. I have the current version. I have not able to do anything today because I can access my money. This is ridiculous! ## Most praised reviews (10 highest-rated) ### 5/5 — Perfect *2026-08-26, version 3.72.12* User friendly and secured ### 5/5 — Great improvement! *2026-08-11, version 3.72.12* It is so easy to be able to make cross border transactions between my USA accounts and HK accounts within the same mobile app! Great job! ### 5/5 — What do I like about HSBC? *2026-07-15, version 3.70.18* Here are my highlights: instant money transfer, reimbursement of ATM fees, pull euros in Europe, easily without fees, high interest on savings account, no marketing BS in app or website. Highly recommend to someone looking for a global banking solution. ### 5/5 — International service and bill pay *2026-06-24, version 3.70.0* Excellent, reliable and easy to send money quickly and easily. ### 5/5 — 建议 *2026-05-27* 如果可以提供多种语言服务就更完美啦 ### 5/5 — Ok but ... *2026-05-17, version 3.68* Would like to be able to add quarterly or weekly payments in the app ### 5/5 — Easy and bug-free *2026-05-01, version 3.68* The app is easy to use and no bugs so far whatsoever. ### 5/5 — Mr Romeed *2026-04-30, version 3.68* Great service ### 5/5 — Deposit check *2026-04-06, version 3.68* Super easy to use the deposit check function in the hsbc app. ### 5/5 — Good but not great *2026-04-02, version 3.68* Great app. Would like to see pending transactions once the card has been used. They usually don’t show up till a few days later. Most other banks show you instantly. Also debit card lock feature. Edited: still can’t see images of checks that have been paid against the account. --- *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 2026-09-08.*