HSBCnet Mobile vs Fluid card
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HSBCnet Mobile
Manage your global business banking needs from anywhere with this intuitive mobile application. It offers secure access to your accounts, allows for easy payment authorization, and provides tools for cash and liquidity management. Track transactions, view balances, and deposit checks digitally.
- Secure biometric login (Touch ID/Face ID)
- View global account balances and transactions
- Authorize domestic and international payments
- Digital check deposit (US/Canada)
- Liquidity Management Dashboard
- Trade Transaction Tracker
Read full descriptionHide full description
The HSBCnet Mobile app is a multi-award winning service and has won Best Mobile Technology Solution at the Treasury Management International (TMI) awards both in 2018 & 2019. HSBCnet mobile brings all your global banking into one place. Enjoy faster banking with our intuitive App; enabling you to manage your business from wherever you are, at any time. Simplifying your complex business banking needs with the following: Easy & secure access to your money • Log on securely with Touch ID or Face ID • Use biometrics or generate a PIN to authorise transactions • Use your mobile to log on and access services on HSBCnet.com Simple everyday banking • View global account balances and recent transactions • Track the status of your payments and receive notifications when payments need to be authorised • Deposit checks digitally (US and Canada only) Make and authorise payments on the move • Move money between accounts and pay existing beneficiaries • Make international payments and book foreign exchange rates • Authorise international and domestic payments Greater control over cash and collections • Manage your cash and liquidity positions using the Liquidity Management Dashboard • Authorise trade transactions and track real-time using our Trade Transaction Tracker • View receivables finance account information, exchange messages and draw payments Your access to services depends on your entitlements, which will be set up by your company’s System Administrator. Certain services in HSBCnet mobile are not available in all countries. To find out more please go to: https://www.hsbcnet.com/learningcentre/hsbcnet-mobile
Fluid card
Manage your financial account securely from your mobile device. View balances, track transactions, make payments, and update your details with ease. Get support and manage preferences all within the app.
- View balance and credit limit
- Track transactions
- Make payments
- Set up Direct Debit
- Manage statement preferences
- Update contact details
Read full descriptionHide full description
Manage your account anywhere, anytime, with our secure mobile app. Free to download now, we have lots of features to enable you to manage your account easily: - View your latest balance and available credit limit - View your latest transactions, including transactions that are still pending - Make a payment on your account - Set up or manage your Direct Debit - Manage your statement preferences - Update your contact details - Get in contact with us and view our FAQs Registered for Online Account Manager already? If you’re registered for Online Account Manager already then you’ll be able to use these details to login. No need to re-register! Not Registered for Online Account Manger? If you’re not registered for Online Account Manager then no problem! Download the app and click ‘Register for Online Account Manager’. You’ll need the following details to hand: - Last name - Date of birth - Postcode - Your card details OR your account number
Screenshots
Verdict
HSBCnet Mobile and Fluid card both sit at 4.6 stars, but that hides the real split: 60% of Fluid card's written reviews are positive against 19% of HSBCnet Mobile's. Fluid card also leads on update cadence (weekly vs every 4 weeks). HSBCnet Mobile's advantage is monetization model (free vs free with in-app purchases) and ratings volume (1.4K vs 21). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.6 for HSBCnet Mobile against 4.6 for Fluid card. That said, the two scores are not equally well evidenced: HSBCnet Mobile has 1.4K ratings behind it against 21, so its average is the more settled of the two. Written reviews are what separate them: 19% of HSBCnet Mobile's written reviews are positive against 60% of Fluid card's.
HSBCnet Mobile ships an update every 4 weeks, Fluid card weekly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.
| Parameter | HSBCnet Mobile | Fluid card |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.4K ratings) | 4.6 (21 ratings) |
| Positive reviews | 19.2% of reviews | 59.7% of reviews — better |
| Number of ratings | 1.4K — better | 21 |
| Update frequency | Every 4 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 224 MB | 171 MB |
| Age rating | 4+ | 17+ |
| Developer | HSBC Bank plc | NewDay Ltd |
Customer experience
HSBCnet Mobile
Fluid card
User reviews
HSBCnet Mobile
From 1.4K App Store ratingsWhat we love
- 💡 Excellent app for HSBC net platform
- 🚀 Replacement of fob is a great feature
- 👍 Useful addition to a good banking product
- 👍 I like the check deposit feature
Room to improve
- 🐛 Filter glitch - keeps opening to 180 days
- 🐛 Updates take too long
- 🐛 Horrible scanner, fails often for check deposits
- 🐛 Facial recognition doesn't work on iOS15
- 🐛 Constant issues with mobile check deposits
Fluid card
From 21 App Store ratingsWhat we love
- 👍 Easy to use app and interface
- 💳 Simple payment process
- 🔒 Good security features
- 📱 Well-designed app layout
- 💰 Flexible credit options
Room to improve
- 🐛 Frequent app crashes and errors
- 🔐 Login issues and access problems
- 💸 High interest rates
- ⚠️ Payment processing failures
- 📉 Poor credit limit decisions
Bugs and requests
HSBCnet Mobile
Reported bugs
5 issues- Filter glitch - keeps opening to 180 days
- Facial recognition doesn't work on iOS15
- Constant issues with mobile check deposits
- App crashes during mobile authentication
- Cheque scanner frequently reports invalid size
Requested features
5 requests- Update app to support iOS 16 and newer
- Improve mobile check deposit experience
- Add more transaction details and history
- Streamline payment authorization process
- Enhance app performance and responsiveness
Fluid card
Reported bugs
11 issues- App won't open or load
- Login fails with 'something went wrong' error
- Face ID authentication not working
- Payment recorded but not reflected in account
- App times out during login
Show 6 moreShow fewer
- Standing orders not executing
- App crashes after updates
- iPhone 7 compatibility issues
- Payment decline without clear reason
- Frozen card button disappears from interface
- OTP not being sent for login verification
Requested features
9 requests- Save debit card details for future payments
- Display payment due date prominently
- Show interest breakdown in app
- Alternative login method (passcode option)
- Better balance transfer functionality
Show 4 moreShow fewer
- More 0% balance transfer offers for existing customers
- PIN retrieval option in app
- Clear information on charges and payment dates
- Improved standing order management
In-app purchases
HSBCnet Mobile
No in-app purchases
Fluid card
No in-app purchases
Questions
Is HSBCnet Mobile free?
Is Fluid card free?
Which has better reviews, HSBCnet Mobile or Fluid card?
Do HSBCnet Mobile or Fluid card have ads?
Which is updated more often, HSBCnet Mobile or Fluid card?
Other comparisons
