According to its official website, HSBC UK is the UK retail and business banking brand of the HSBC group, founded in Hong Kong in 1865. HSBC UK Bank plc is a ring-fenced bank headquartered in Birmingham and wholly owned by HSBC Holdings plc; the site says it serves more than 15 million active customers and covers the HSBC UK, first direct and M&S brands. The bank offers personal customers current accounts (Bank Account, Premier, student and children's accounts), savings accounts and ISAs, credit cards, loans, mortgages, investments and insurance, and offers business banking from small and medium-sized companies to large corporates. The group's non-ring-fenced bank, HSBC Bank plc (London, 8 Canada Square), provides banking to corporate and institutional clients. According to the Bank of England list and the FCA register, both entities are authorised by the PRA to accept deposits and are regulated by the FCA and the PRA. The site says eligible deposits with HSBC UK Bank plc are protected by the FSCS up to 120,000 GBP. The group's Australian entities THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED (AFSL 301737) and HSBC BANK AUSTRALIA LIMITED (AFSL 232595) hold AFS licences from ASIC. This information is the company's own statement.
Datos de la cuenta
TIPOS DE CUENTACurrent account · Premier · Student and children's accounts · Savings account · ISA · Business account
DEPÓSITO MÍN.25 GBP per month (Regular Savings Account)
PLATAFORMASOnline banking · Mobile app
PRODUCTOSCurrent accounts · Savings and ISAs · Credit cards · Loans · Mortgages · Investments · Insurance · Business and corporate banking
Licencias y regulación
FCA (Reino Unido)
N.º de licenciaFRN 765112
Titular de la licenciaHSBC UK Bank Plc
AlcanceAuthorised by the PRA to accept deposits according to the Bank of England list of 1 Oct 2026; listed in the FCA register under HSBC UK Bank Plc (FRN 765112), regulated by the FCA and the PRA.
EstadoVerificada
FCA (Reino Unido)
N.º de licenciaFRN 114216
Titular de la licenciaHSBC Bank Plc
AlcanceAuthorised by the PRA to accept deposits according to the Bank of England list of 1 Oct 2026; listed in the FCA register under HSBC Bank Plc (FRN 114216), regulated by the FCA and the PRA.
EstadoVerificada
ASIC (Australia)
N.º de licenciaAFSL 301737
Titular de la licenciaTHE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED
AlcanceAFS licence held since 4 Sep 2006. According to ASIC's record, authorised to deal in derivatives, foreign exchange contracts, securities and basic deposit products for wholesale clients only.
EstadoVerificada
ASIC (Australia)
N.º de licenciaAFSL 232595
Titular de la licenciaHSBC BANK AUSTRALIA LIMITED
AlcanceAFS licence held since 1 Dec 2003. According to ASIC's record, authorised to deal in derivatives, foreign exchange contracts, securities and basic deposit products for retail and wholesale clients.
EstadoVerificada
Quejas de usuarios
Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.
Periodo analizado: julio de 2026 – octubre de 2026
Atención al cliente: 29
Otros: 19
Préstamos y tarjetas de crédito: 17
Bloqueo y congelación de cuentas: 14
Retiros y pagos: 10
Tarifas y comisiones: 2
Operaciones no autorizadas: 2
MUY ALTO — NIVEL DE QUEJAS
El 15 % de las entidades con registros de quejas recibió más quejas que esta.
POR TEMA — Atención al cliente: Muy alto · Otros: Muy alto · Préstamos y tarjetas de crédito: Muy alto · Bloqueo y congelación de cuentas: Alto · Retiros y pagos: Medio · Tarifas y comisiones: Alto · Operaciones no autorizadas: Muy alto
The complaint distribution is based on the latest 1-star reviews on the HSBC UK Trustpilot page (93) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the HSBC name are left out. Across the complaints, unreachable or poor customer service, loan, credit card and mortgage problems, blocked accounts and unpaid switching bonuses stand out.
Fuentes e historial de verificación
Fuentes oficiales de la empresahsbc.co.uk — homepage, Savings, Legal, footer · about.hsbc.co.uk · hsbc.com — Our history · ciiom.hsbc.com — Legal (HSBC Bank plc) · business.hsbc.com
Registros del reguladorBank of England PRA list of banks (1 Oct 2026) · FCA — HSBC UK Bank Plc, FRN 765112 · FCA — HSBC Bank Plc, FRN 114216 (register.fca.org.uk) · ASIC — THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED, AFSL 301737 (data.gov.au) · ASIC — HSBC BANK AUSTRALIA LIMITED, AFSL 232595 (data.gov.au)
Registro mercantilCompanies House — HSBC UK Bank Plc, company no 09928412 · HSBC Bank Plc, company no 00014259
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
ForexQ.com
