# HSBCnet Mobile vs Fluid card

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.

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.

## The numbers

| Metric | HSBCnet Mobile | Fluid card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (1.4K ratings)](https://appshunter.io/ios/app/hsbcnet-mobile/id887385854/reviews) | [4.6 (21 ratings)](https://appshunter.io/ios/app/fluid-card/id1364730352/reviews) |
| Number of ratings | **1.4K** | 21 |
| Positive reviews | 19.2% of reviews | **59.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 224 MB | 171 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [HSBC Bank plc](https://appshunter.io/developer/424806432) | [NewDay Ltd](https://appshunter.io/developer/903335384) |

## What reviewers say

### HSBCnet Mobile

[App page](https://appshunter.io/ios/app/hsbcnet-mobile/id887385854)

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.

**Highlights:** 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

**In-app purchases:** none

**What reviewers like**

- 💡 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/fluid-card/id1364730352)

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.

**Highlights:** View balance and credit limit, Track transactions, Make payments, Set up Direct Debit, Manage statement preferences, Update contact details

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app and interface
- 💳 Simple payment process
- 🔒 Good security features
- 📱 Well-designed app layout
- 💰 Flexible credit options

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🔐 Login issues and access problems
- 💸 High interest rates
- ⚠️ Payment processing failures
- 📉 Poor credit limit decisions

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is HSBCnet Mobile free?

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

### Is Fluid card free?

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

### Which has better reviews, HSBCnet Mobile or Fluid card?

HSBCnet Mobile and Fluid card are both rated 4.6 out of 5 on the App Store, from 1.4K and 21 ratings respectively.

### Do HSBCnet Mobile or Fluid card have ads?

Neither HSBCnet Mobile nor Fluid card shows ads.

### Which is updated more often, HSBCnet Mobile or Fluid card?

HSBCnet Mobile ships an update every 4 weeks, and Fluid card weekly. Most recently, HSBCnet Mobile was updated on September 22, 2026 and Fluid card on September 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.*