# HSBC US vs Smartkarma

The clearest difference is review sentiment: Smartkarma at 100% against HSBC US's 39%. Smartkarma also leads on rating (5.0 vs 4.7) and iOS requirement (15.1 vs 17.0). HSBC US's advantage is ratings volume (50K vs 5). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Smartkarma holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: HSBC US has 50K ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 39% of HSBC US's written reviews are positive against 100% of Smartkarma's.

Both ship on a similar rhythm, roughly every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | HSBC US | Smartkarma |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (50K ratings)](https://appshunter.io/ios/app/hsbc-us/id1344750175/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/smartkarma/id1363869384/reviews)** |
| Number of ratings | **50K** | 5 |
| Positive reviews | 38.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 608 MB | 63 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [HSBC Global Services (UK) Limited](https://appshunter.io/developer/1112071557) | [Smartkarma Innovations Pte Ltd](https://appshunter.io/developer/1293066761) |

## What reviewers say

### HSBC US

[App page](https://appshunter.io/ios/app/hsbc-us/id1344750175)

Manage your finances on the go with this mobile banking app. Monitor accounts, transfer funds, pay bills, and deposit checks. Access customer support and enhanced security features for a convenient banking experience.

**Highlights:** Monitor account balances and activity, Transfer funds domestically and internationally, Pay bills to U.S. payees, Deposit checks via photo, View and download statements, Open a multi-currency Global Money Account, Real-time payments to contacts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🌎 Global transfer
- ✨ Use smoothly
- 📤 Paying in a cheque is very easy electronically
- 📤 Check deposit
- 🏃‍♀️ Simple app to use especially on the move

**What reviewers complain about**

- 🐛 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

**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

**Requested features**

- Pending mobile deposits visibility
- Apple Watch balance sneak peak
- Pay HSBC credit card from external bank account


### Smartkarma

[App page](https://appshunter.io/ios/app/smartkarma/id1363869384)

This AI-powered platform delivers real-time investment insights and advanced data analytics for strategic decision-making. It helps users curate, personalize, and collaborate on critical investment information to make faster, more informed decisions.

**Highlights:** AI-powered insights, Real-time data analytics, Personalized information curation, Collaboration tools, Access to top analysts, Strategic decision support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HSBC US free?

HSBC US is free to download, with no in-app purchases.

### Is Smartkarma free?

Smartkarma is free to download, with no in-app purchases.

### Which has better reviews, HSBC US or Smartkarma?

Smartkarma is rated higher. HSBC US averages 4.7 out of 5 from 50K ratings, while Smartkarma averages 5.0 from 5 ratings.

### Do HSBC US or Smartkarma have ads?

Neither HSBC US nor Smartkarma shows ads.

### Which is updated more often, HSBC US or Smartkarma?

HSBC US ships an update every 2 months, and Smartkarma every 2 months. Most recently, HSBC US was updated on October 24, 2026 and Smartkarma on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*