HSBC US 4+

Better, but not good

This app is better now than it used to be, since at least I don’t have to enter my date of birth and every time I want to log in, but it’s still not great.

The key component that is missing for me is that while it does show my available balance as well as my ledger balance, it does not show the individual amounts and vendors of the pending transactions. Even Visa gift cards can do this, why not an actual bank app? Even worse, it’s not on the webpage either.

Another related piece of this is that when an in-branch or ATM deposit is made if there is a hold placed on the funds, the release date is not shown on the app (or website) as with other banks. Asking in-branch doesn’t help as the tellers’ response is always “the system decides that.” Systems are programmed by people who set the algorithms. I’m sure this info is buried somewhere in the disclosures but I’ve yet to find it. Having your system to put the date on the customer’s account for deposit would allow for better planning where needed.

Developer Response ,

Hello! Thank you for your descriptive feedback. This helps us identify issues with the app! We will send this to the product team for consideration. We have plans to bring additional useful features to the HSBC US app in upcoming updates. Thanks for your patience, and please keep updating the app! ^RF

Very Disappointed

I travel internationally for work and am in multiple countries every month. I opened this account because of HSBC ‘s global availability. Boy what junk. I have had my HSBC Premier global account debit card for ONE DAY and am already done with this bank. You cannot see pending transactions online or on the app. This is important especially for those of us who travel a lot. We need to be able to see the pending transactions. As it stands now, HSBC does not display the transaction until the merchant has paid. This could take anywhere from 3 to 7 business days. Not good HSBC, not for a global bank like yourself. The funny thing is the available balance reflects the debit but you can’t see who the pending charges are from or the amounts of each one. I certainly don’t wanna be in another country to find out that something I charge three days ago was incorrect and now I’m gone and I can’t do anything about it. Also, this app is TERRIBLE. It’s very limited, unlike every other bank I’ve ever used you can’t lock or freeze your debit card, you have to call the one 800 number in order to do that. Stupid stupid stupid. I’ve called the one 800 number and it takes 30 minutes to get a hold of a representative. Well, sorry, if I need to stop my debit card I don’t want to be on hold for 30 minute. I don’t have time for that. I’m still very disappointed because I was excited to have this bank. Going to look at Capital One 360.

Developer Response ,

Good afternoon! We appreciate your feedback and are working very hard to bring the features that you want and need. I understand your concerns and frustrations, we are very happy that you chose to bank with us. Please keep updating your app and look out for new features that are being added! ^AF

Useless

This app takes several steps just to log in if you haven’t set up Face ID, which it conveniently forgets every few weeks so you need to set it up again. And then once you’re in the app, you can’t do anything of any value!! You cannot pay your bill, you can’t see you Current Balance - only charges that have cleared the bank which can take 7-10 business days; you can’t dispute a charge if someone stole your identity, you can’t freeze your card if you lost it or your wallet was stolen. It’s basically the most complicated way to see your statement from last month.

Customer service is useless, it takes forever on hold, you can barely understand the representative, and they can’t tell you what your pending charges are or your current balance either; they tell you they have to “clear the bank from the merchant side which can take 7-10 business days”
No Other banking institution has this problem - I have cards with CITI, Discover and Chase; all of which have amazing apps. I was duped into getting a HSBC card b/c they offer 23 month 0% APR and I just bought a house so I thought it would be a great way to get settled and not have to pay interest for my first 2 years. Should have known it was too good to be true.
The hassle is not worth it, I have paid my balance and I’m closing this account.