# PayMe by HSBC — user reviews > 125 indexed App Store user reviews of PayMe by HSBC by The Hongkong and Shanghai Banking Corporation Ltd., rated 4.60/5 from 2,554 ratings. - Source: https://appshunter.io/ios/app/payme-by-hsbc/id1184264977/reviews - App overview in markdown: https://appshunter.io/ios/app/payme-by-hsbc/id1184264977.md - Rating breakdown: 5★ 2,056 · 4★ 281 · 3★ 101 · 2★ 33 · 1★ 83 ## What do users think of PayMe by HSBC? Overall sentiment: negative **Pros** - 💳 Great payment app - 🚀 Convenient and easy to use - 🤝 Useful for splitting bills and group payments **Cons** - 🐛 Frequent app crashes and bugs - 🔒 Poor security and login issues - 📱 Difficult to set up and use - 🤖 Unreliable facial recognition and ID scanning - 💰 Restrictive payment limits and funding options **Commonly reported bugs** - Payment records disappearing after app updates - Inability to log in or register due to system errors - Inconsistent behavior when changing mobile numbers - Face scan and ID scanning not working properly **Most requested features** - Add support for more payment methods - Improve customer support and communication - Allow login via email instead of just mobile number - Provide better privacy controls and transaction visibility ## Newest reviews (17 of 125) ### 4/5 — Should have filter function for transaction records *2024-10-03, version 2.21.2* Seriously, everything is fine but there should be a filter function for filtering transaction records. I think both personal and business users need this function VERY MUCH. I don’t want to use few minutes to search for one specific record again. I’m doing this for many times……..I’m just sick of it. Please launch filtering function, PLEASE!!! ### 1/5 — Don’t change your number if you like this service *2024-05-21, version 2.20.9* It might be easier to have penguins mate with pandas than it is to change your number with this service. Very disappointed with how much of a chore this process has been. Very unfriendly to consumers. Like, why? I would complain to customer service but there is no customer service except what you can access through email. Yah, not good! ### 1/5 — Rubbish app! Cannot login or register after click the buttons *2024-05-04, version 2.20.9* Rubbish app ### 4/5 — payment confirmation screen suggestion *2024-04-22, version 2.20.8* thx for having the new function to share the payment confirmation screen, it saves the time to capture the payment screen and then send to friends. One suggestion, pls also include the payment transaction description into the payment confirmation screen, it will be much better. Thank you. ### 1/5 — Set up is terrible *2024-04-19, version 2.20.8* Set up auto top up and enable payment or receiving money is terrible! ### 1/5 — Cant even log in *2024-03-30, version 2.20.4* Rubbish app i cant even press the log in button ### 1/5 — Face Scan won’t work *2024-03-26, version 2.20.4* Have been trying for scanning my to login for hours and it never works. Purely a waste of time and shame on HSBC providing such understand app for clients. ### 2/5 — Top up? *2024-02-08, version 2.20.4* Why asking to top up? If using the app it is because we want to pay someone. Obvious! Waste of time. Many times to put the pin code for a simple payment. Learn from Alypay... ### 1/5 — A ridiculous payment app *2023-12-04, version 2.20.3* Confusing promotion which end up you cannot enjoy the supposed to have promo. Ridiculous. Will stop using this payment app. ### 1/5 — Bad customer services and vouchers experience *2023-11-26, version 2.20.2* Be award of the use of vouchers. The vouchers validity is not depending on time of you press the confirm buttons but the unknown transaction time by payme. Vouchers may not be able to apply if their internal transaction time is after the validity period. If you have any enquires, you could only wait the customer team to reach you with 48 hours. You can do nothing but wait them. When they finally reply you, it may be too late for your to rectify the situation by cancelling transaction direction by you with the merchant. ### 1/5 — 唔用30日想攞用戶錢？登入竟然人面適別與ID不符 *2023-09-10, version 2.20.0* 唔用30日想攞用戶錢？想退翻入面既錢就Unavailable. Something went wrong. 登入竟然人面適別與ID不符 想夾硬攞走用戶既錢！？ 對佢！！無哂信心！！ ### 1/5 — HSBC can suspend your account in 30 days *2023-09-08, version 2.20.0* The new Clause 13 and 14 pretty much threatens you to use the app, otherwise will end your ac ### 1/5 — Confusing and tries to take your money *2023-07-05, version 2.19.2* I simply wanted to make a payment to someone but the app kept telling me to top up. In the end it took BOTH my payment and a set amount top up of my account, basically a double charge. Not at all my intention. ### 1/5 — Worst app ever *2023-06-20, version 2.19.1* I wonder why you can’t offer Payme services even though I downloaded the app and put in 100 dollars there, and the staff was not helping at all. ### 1/5 — Changes required *2023-06-11, version 2.19.0* Able to download the app in Australia, but cannot register to use it because it’s fixed to using a Hong Kong telephone number. That’s a drawback. ### 1/5 — Face scan not working !! *2022-10-16, version 2.15.4* Face scan is useless. I can’t get in. Please fix ### 1/5 — Bad Performance- don’t bother *2022-10-07, version 2.15.4* This App is so bad at an important function (digital payment) that I am motivated to write my first app store review. The issue I have is that the app is slow to open, slow to pop up the merchant payment code and frequently just gets stuck. Originally, I only used it to send money to a friend, then I naively registered my consumption voucher. Now I find few merchants take payment from this app and much, much worse I find myself often standing in from of the cashier- like just now at 7-11, waiting for the stupid app to open and bring up the payment code. App just froze, I can’t stand there for a couple of minutes waiting on the App. Complete fail. ## Most critical reviews (10 lowest-rated) ### 1/5 — not working and lock up your money *2026-08-23, version 2.36.0* keep saying something is wrong and cant transfer money for a week already, error reported but no feedback at all. best example of nice idea but worst app(and support) ### 1/5 — Don’t ever change your phone number *2026-06-05, version 2.34.0* I have been using PayMe for years. Recently I changed my phone number and I just couldn’t log into my PayMe account. As other people have said, you can’t even call PayMe for customer service. They just have a stupid email form that I’m not sure when they will reply! ### 1/5 — Every time you pay but this app ask to update *2025-06-18, version 2.24.0* . ### 1/5 — Untrustworthy *2025-05-20, version 2.23.9* Once you create an account, you don’t have the option to terminate it. If I could give 0 star I would! I requested to deactivate my account, as I didn’t want a service that doesn’t provide an option to deactivate an account, to customer support and was told they couldn’t do it but sent a request to another department. I received an email with a ref no but after a week account deletion wasn’t processed so I contacted support again and was told a further follow up request would be put in place. Then I received an email saying I got “suspended” as the service couldn’t be provided to me. REALLY? SUSPENDED?!?! I asked for deletion… was this the joke of the month?!?! Terrible communication! Likely I am out! 2.5 hours later I received another email stating that my account had been terminated. Thanks I guess! Terrible experience! You are not in charge of your account, can’t deactivate it so not worth using it! ### 1/5 — Can’t top up *2025-04-17, version 2.23.7* Even well under monthly top up limit, or try to paid business, can’t top up via credit card ### 1/5 — Mainland Chinese ID cards cannot be tied to cards or HSBC accounts. *2025-03-04, version 2.23.6* Mainland Chinese ID cards cannot be tied to cards or HSBC accounts. Please allow mainland Chinese mobile phone numbers to bind HSBC accounts. ### 1/5 — 更新後人臉認證變得很垃圾 *2025-02-19, version 2.23.5* 如題，請改善 ### 1/5 — The most ridiculous financial app ever *2024-08-14, version 2.21.0* Not only the UI is user unfriendly especially for seniors but also so stupid that they let you register with mobile and email but don’t have the option to login through email. I have the problem of changing my mobile and they don’t have the option to login through email. I haven’t yet used it for many years and they would ask you last transaction date when you look for help…WTH ### 1/5 — Too hard to set up *2024-08-03, version 2.20.13* !! ### 1/5 — System bug on redeem the discount coupon *2024-07-02, version 2.20.11* When I use PayMe app for payment and using their discount coupon. Unfortunately, the system has error and did not redeem the coupon. When wrote the complaint to their CS, they only provide the guideline to redeem without any investigation. The response is made me disappointed and unprofessional without any investigation. I think HSBC is one of major financial institution company in HK, but CS quality service is very poor and disappointed. Pls improve your staff ASAP. ## Most praised reviews (10 highest-rated) ### 5/5 — Great app, great user experience *2026-07-17, version 2.35.0* As someone who has recently moved from UK to Hong Kong, I have to say this app is brilliant. Offers and the gamification are great. Love the UI and UX. Please introduce this in the UK and help us move into the world of barcode payments. ### 5/5 — Great payment app! *2025-05-07, version 2.23.7* Some great payment improvements in recent months. ### 5/5 — Cool *2023-07-10, version 2.19.3* Love the idea and great UX ### 5/5 — Support signal / line or others IM *2021-08-21, version 2.11.0* It will be nice to support more instant messengers, as whatsapp is not the sole messenger among my friends. Besides, it will be better to let user set a nickname or alias of the friends, as it is hard to recognise the right person if the friend registers with his/her full name or having same names between 2 person. ### 5/5 — Payme *2020-07-08, version 2.3.1* Absolutely incredible means of money transfer! ### 5/5 — Password reset error *2019-10-30, version 2.2.1* I have changed my phone and updated for Face ID login. It keeps saying login error and asked for password reset after few trials. Up till now, I cannot reset and activate my PayMe due to no reset password email to me at all. It has been a month. My cash in PayMe is locked! Bad technical support! ### 5/5 — cannot transfer to my friend *2019-06-27, version 1.6.6* so far i cannot transfer any money to my friend though i have money in my account. I only have AE card which u not support and i dont have HSBC bank account so I cannot setup deposit method. However even i have money in payme (my friend transferred to me) but i cannot tranfer money because everytime when i select transfer, u direct to the page asking me to setup deposit method! that is rediculous! ### 5/5 — Alan Cymberknoh *2019-05-21, version 1.6.4* Payme is changing the payments space in Hong Kong. Congratulations! ### 5/5 — Best Payment App *2019-03-03, version 1.5.9* Just awesome. ### 5/5 — Wasting time *2018-12-29, version 1.5.8* 1. Try to reset pin and password but never really receive the reset emails supposedly being sent to my email for few months. 2. After being able to receive the reset email now and try to login in via email,app screen shows error message that keeps saying account not found. So if my email account now can receive the reset instruction, why the account can’t be found? This is ridiculous and a total waste of time. 3. Have previously received money in the account when was able to login, so that means my money is frozen now because I can never gain access to the app because of these technical disaster of this app 4. Can someone from Hsbc help fix this before I change back the comments? Thanks --- *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 2026-09-09.*