Comparison

HSBC Malaysia vs AffinAlwaysX

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HSBC Malaysia

Manage your finances 24/7 with this secure mobile banking app. Access digital wealth solutions, everyday banking features, and credit card management tools. Open accounts, make transfers, pay bills, and track investments all from your phone.

Highlights
  • Digital account opening
  • Investment account opening
  • Local and foreign transfers
  • Bill payments via JomPAY
  • Credit card management
  • Digital wealth solutions
  • Mobile Security Key authentication
Features
Read full description

Download HSBC Malaysia Mobile Banking app now to enjoy digital banking 24/7! If you need help applying for your account, understanding our products and its terms and conditions, you can visit any of our branches for assistance. Designed for HSBC Malaysia customers, you can enjoy a secure and convenient mobile banking experience with: Digital wealth solutions • Digital Investment Account Opening - Open unit trust and bonds/Sukuk investment account. • EZInvest - Start investing with flexible investment options and lower fees. • Risk Profile Questionnaire - View/update your Investment Risk Profile. • Personal wealth planner - View your investments with breakdowns of your portfolio holdings and wealth insights for better investment decisions. • Insurance dashboard - View insurance policy details, premium payment information and benefits summary for HSBC-Allianz policies. • FX on Mobile - Exchange foreign currency, set up rate alert, receive notification when target rate is met and access trends and insights. Everyday banking features • Digital account opening - Open a Savings account with mobile banking registration. • Secured mobile banking - Verify transactions with Mobile Security Key and biometric authentication. • Secure Logon - Approve Online Banking Logon by QR Code and 6 unique digits. • eStatement - View/download your digital statements up to 12 months. • View your accounts - View your accounts with real time credit card transactions. • Move Money - Make local/foreign transfers instantly, future dated or recurring, including DuitNow via account number, proxy or QR code. • JomPAY - Make bill payments with JomPAY. • Global Money Transfer - Send money to over 50 countries/territories in their local currencies faster with lower fee. • 3D Secure Mobile Approval - Approve online transactions made with your HSBC Credit Card/-i and Debit Card/-i. • Push Notification - Receive notifications to keep track of your banking activities. • Travel Care - Purchase a travel insurance with your HSBC debit/credit card. • Mobile Chat - Chat with us when you need help. • Optimised for accessibility. Credit card features • Rewards redemption - Redeem HSBC TravelOne credit card points for airline miles and hotel stays. • Cash Instalment Plan - Convert your available credit card limit into cash and pay at affordable instalments. • Balance Conversion Plan - Split your credit card spending into instalment payment plans. • Block/Unblock - Temporarily block/unblock your credit card if you have lost or misplaced it. • Wallet Provisioning - Authenticate provisioning of credit card on digital wallets. • Card Activation and Set PIN - Activate and set/change your Credit Card/-i PIN. Important information: This App is designed for use in Malaysia. The products and services represented within this App are intended for HSBC Bank Malaysia Berhad (“HSBC Malaysia”) and HSBC Amanah Malaysia Berhad (“HSBC Amanah”) customers. This App is provided by HSBC Malaysia and HSBC Amanah for the use of existing customers of HSBC Malaysia and HSBC Amanah. Please do not download this App if you are not an existing customer of HSBC Malaysia and HSBC Amanah. HSBC Malaysia and HSBC Amanah are authorised and regulated in Malaysia by Bank Negara Malaysia. If you are outside of Malaysia, we may not be authorised to offer or provide you with the products and services available through this App in the country you are located or resident in. The information provided through the App is not intended for use by persons located in or resident in jurisdictions where the distribution of such material may be considered marketing or promotional and where that activity is restricted. This App is not intended for distribution, download or use by any person in any jurisdiction or country where the distribution, download or use of this material is restricted and would not be permitted by law or regulation.

About

AffinAlwaysX

This banking app offers a streamlined and enhanced user journey for managing finances. It features intuitive navigation, QR payments, quick access to essential functions, and secure authorization for all transactions.

Highlights
  • Streamlined user interface
  • QR code payments and receipts
  • Quick access to frequent features
  • One-tap transaction authorization
  • Account balance and history review
  • Instant fund transfers and bill payments
Read full description

More intuitive. More efficient. More convenient. The upgraded version of the AffinAlways mobile app, AffinAlwaysX, is here to elevate your banking experience with that extra X factor. It retains all your essential banking features—account management, fund transfers, and bill payments—while introducing a more streamlined and enhanced user journey. From its sleek interface to its seamless navigation, AffinAlwaysX is designed to make managing your finances easier and faster. Key Features and Benefits: Simpler Design, Simplified Journey Easy on the eyes and effortless on the hands. AffinAlwaysX adopts a user-centered design that prioritises intuitive and seamless navigation. With its clean and modern interface, users can complete transactions effortlessly and efficiently, making every banking experience smooth and efficient. QR Pay Pay or receive payments with just a scan. Whether you’re settling a bill at a merchant or transferring money to an individual, simply scan the QR code—fast, easy, and secure. Quick Access Your essentials, right at your fingertips. Frequently used features are now front and center, ensuring quick and easy access to payments, transfers, and more. AffinSecure Authorisation Enjoy fast, one-tap approval for all transactions. With AffinSecure integrated into the app, you get enhanced security with minimal effort. Effortless Account Management A comprehensive suite of features to help you check your account balances, review transaction history, and monitor your expenses—all with just a few taps. Seamless Transactions Transfer funds or make bill payments instantly—whenever it's convenient for you. And the best part? It's completely hassle-free. Ready to elevate your banking experience? AffinAlwaysX offers greater convenience, enhanced security, and a more intuitive journey. Whether you're paying bills, transferring funds, or managing your accounts, AffinAlwaysX ensures everything you need is simplified, streamlined, and secure.

Screenshots

HSBC Malaysia4 screens
AffinAlwaysX4 screens

Verdict

The call

The clearest difference is rating: HSBC Malaysia at 4.8 against AffinAlwaysX's 2.6. HSBC Malaysia also leads on ratings volume (1.1K vs 5). AffinAlwaysX's advantage is update cadence (every 9 days vs monthly). On price, review sentiment, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

HSBC Malaysia holds the better App Store score, 4.8 against 2.6. That said, the two scores are not equally well evidenced: HSBC Malaysia has 1.1K ratings behind it against 5, so its average is the more settled of the two. Written reviews split almost evenly too, at 49% and 48% positive.

UpkeepUpdate frequency

HSBC Malaysia ships an update monthly, AffinAlwaysX every 9 days. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
HSBC Malaysia versus AffinAlwaysX: the parameters behind the verdict, then further details
ParameterHSBC MalaysiaAffinAlwaysX
PriceFreeFree
Rating4.8 (1.1K ratings) — better2.6 (5 ratings)
Positive reviews48.5% of reviews — better48.1% of reviews
Number of ratings1.1K — better5
Update frequencyMonthlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size625 MB144 MB
Age rating4+4+
DeveloperHSBC Global Services UK LimitedAffin Bank Berhad

Customer experience

HSBC Malaysia

All ratings1,061 ratings
Positive96.1%
Neutral1.1%
Negative2.7%
Written reviews167 reviews
Positive48.5%
Neutral7.8%
Negative43.7%

AffinAlwaysX

All ratings5 ratings
Positive20.0%
Neutral20.0%
Negative60.0%
Written reviews52 reviews
Positive48.1%
Neutral17.3%
Negative34.6%

User reviews

HSBC Malaysia

From 1.1K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient
  • 🔒 Good security

Room to improve

  • 🐛 Compatibility issues
  • 🔍 Limited functionality
  • 🔄 Frequent updates required
  • 💸 Changes without notification

AffinAlwaysX

From 5 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast and smooth
  • 💡 Convenient features like QR payment
  • 🔒 Secure and reliable
  • 📱 User-friendly app design

Room to improve

  • 🐛 Frequent app crashes
  • 🔍 Login and account reactivation issues
  • ⚠️ Unreliable transactions and statements
  • 🔧 Compatibility problems with older devices

Bugs and requests

HSBC Malaysia

Reported bugs

3 issues
  • Login screen issues
  • App crashes
  • Transfer errors

Requested features

3 requests
  • Ability to add new payees
  • Interbank transfer functionality
  • Replication of website features

AffinAlwaysX

Reported bugs

3 issues
  • App crashing when entering password
  • Stuck on 'Update Now' screen with no update available
  • Unable to log in or transfer money due to system errors

Requested features

4 requests
  • Increase daily transaction limit
  • Add available credit limit and pending transactions view
  • Improve notification system
  • Separate notification and logout icons

In-app purchases

None

HSBC Malaysia

No in-app purchases

None

AffinAlwaysX

No in-app purchases

Questions

Is HSBC Malaysia free?
HSBC Malaysia is free to download, with no in-app purchases.
Is AffinAlwaysX free?
AffinAlwaysX is free to download, with no in-app purchases.
Which has better reviews, HSBC Malaysia or AffinAlwaysX?
HSBC Malaysia is rated higher. HSBC Malaysia averages 4.8 out of 5 from 1.1K ratings, while AffinAlwaysX averages 2.6 from 5 ratings.
Do HSBC Malaysia or AffinAlwaysX have ads?
Neither HSBC Malaysia nor AffinAlwaysX shows ads.
Which is updated more often, HSBC Malaysia or AffinAlwaysX?
HSBC Malaysia ships an update monthly, and AffinAlwaysX every 9 days. Most recently, HSBC Malaysia was updated on October 31, 2026 and AffinAlwaysX on October 30, 2026.

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