The listings featured on this site are from companies from which this site receives compensation. This may influence where, how and in what order such listings appear on this site

HSBC Premier Review

Reviews 9
HSBC Premier
Visit Site
HSBC Premier
HSBC Premier
Reviews 9
Catherine Miller
Nov. 21, 2023
1 min read
Catherine Miller
HSBC Premier Summary
HSBC is a major international bank, with 39+ million customers worldwide. It’s got all the features you’d expect of a traditional bank: deposits, credit cards to comprehensive investment options. True differentiation of its Premier Checking account is its international capabilities including easy onboarding for non-US citizens, fee free global money transfer and many more.


  • Easy US account application and onboarding for non-US citizens
  • 24/7 global customer service with multi-language support
  • No HSBC fees on everyday transactions including no HSBC ATM fees


  • Relatively higher minimum balance of $75,000

HSBC Premier at a glance

Editorial score


No HSBC fees on everyday transactions, monthly fees may apply


24/7 monitoring of your accounts plus mandatory Digital Secure Key when logging in

Customer service

24/7 global support in multiple languages including Spanish and Chinese

Online experience

Easy to use site with a comprehensive help section including advice on a wide range of topics

Mobile experience

App on iOS and Android lets you pay bills, transfer money, deposit checks, or chat with support

Advantages Over Traditional Banks

HSBC Premier Checking gives you access to all of HSBC’s traditional banking features with the ease of managing your money on the go. Manage your money around the world with smarter, faster ways for moving funds, from transferring on a global scale to multi-currency needs. There are no fees for Global Transfers between eligible HSBC accounts worldwide.

Cutting-Edge Banking Services

With international services and benefits tailored for global citizens, you can seamlessly manage your worldwide finances with HSBC.

With HSBC Mobile Banking App, you can easily pay bills, transfer money, deposit checks, or chat with HSBC from your phone or computer.

Traditional Banking Services

As a longstanding traditional bank, HSBC offers everything you’d expect. If you decide to open a stocks and shares ISA, you can invest in funds across the market. You can also get insurance and mortgage loans from HSBC. There are no U.S. HSBC ATM fees worldwide.

Eligibility Requirements

  • You must be 18 years of age
  • Account information for funding your new account
  • You are located in the U.S. or countries** with HSBC Account Opening Availability locations

**Countries subject to change. Please see page for full details.

Interest Rates and Fees 

HSBC offers the following:

  • No fees for Global Transfers between eligible HSBC accounts worldwide
  • No foreign transaction fees using your Premier debit or credit card
  • No U.S. HSBC ATM fees worldwide
  • No HSBC fees* on everyday banking transactions
  • No HSBC incoming or outgoing wire transfer fees
  • No U.S. HSBC ATM fees worldwide

*A monthly maintenance fee may apply

Restrictions may apply see page for full details.

Customer Service and Online Experience

The HSBC website is easy to use and has a comprehensive help section where you can find advice on a wide range of topics, including using the online banking service and how to improve your financial fitness.

The site has 24/7 hybrid support: Talk to our staff anytime, anywhere for client support when you need it, and multi-language support including English, Chinese, Spanish.

Mobile App  

The HSBC Mobile Banking App is available for both iOS and Android and gives you the power to manage your money on the go. With HSBC Mobile Banking App, you can pay bills, transfer money, deposit checks, or chat with HSBC from your phone or computer.


HSBC has a strong focus on security. There’s 24/7 monitoring of your accounts for any unusual activity. If anyone does access your account and take money, HSBC will refund you (with certain limitations). The bank can also help you improve your security with helpful advice. 

There’s a dedicated phone line if you have concerns about fraud. You will need to use your Digital Secure Key when logging into your online banking via browser or app. You can also use biosecurity (fingerprint or face recognition) on your mobile. 


HSBC is a very well-established international bank offering a wide range of traditional banking services, from checking accounts and mortgages to wealth solutions and financial planning  HSBC Premier Checking offers a wide range of benefits towards global citizens and makes it easy to manage finances worldwide.


We compiled this review using the HSBC website and mobile banking app and interacting with chat support.

Catherine Miller
Written by
Catherine Miller
Catherine Miller is a lead member of personal finance and pension innovator Maji, where she’s responsible for content creation and running Maji’s personal finance masterclass, among others. She is also a freelance writer in the fields of finance and education, and holds degrees in English and education.
Top Online Banking
Read Review|Visit Site
Read all reviews

Must Reads

How Banks Are Building Trust with Customers in 2023
Dec. 06, 2023
What Is a Savings Account and How Does it Work?
Dec. 06, 2023
How to Choose the Right Online Bank for You
Dec. 06, 2023
Read all articles
Trustpilot reviews
See what some customers are saying about HSBC Premier
HSBC Premier
Reviews 9
model lindelof
4 days ago
Contact the company website to make a report of your problems
ismail balaban
a year ago
Unsecure,inconvenient and non-customer…
Unsecure,inconvenient and non-customer friendly services..their internal processes are complicated and troubled.your account can be terminated anytime suddenly,if they get instructions from Global banking division of HSBC international to re-evaluate your account..Not realiable..Not secure..not trustable bank!! careful, stay away, dont use it... YOU MIGHT GET SUCH ACCOUNT TERMINATION LATER ANYTIME!!! and they will never reveal the reasons and They will just give the terms and conditions reasons only!!.. IN THE LETTER FROM HSBC BANK in which there was statement as follows: “we are sorry but we are going to close your account’ We conduct periodic reviews of customers account relationship with us.As an outcome of such reviews.We withdraw certain products or services or close accounts that do not meet our strategic criteria. Following an in-depth review of your account, we are sorry to tell you that we can no longer provide you with banking services.This is accordance with the terms and conditions Governing personal Deposit Accounts,…….” As you can see above the customers will always of risks not being able to meet their strategic criteria;therefore the bank can be sorry anytime to close your account!! Please consider this carefully; you might meet the same fate just like me if you co-operate with this bank;If you still co-operate with this bank’ better to stop it and not to use this bank..Lets stop co-operating with this bank; Please re-consider your situation if you still hold account in this bank, you might encounter the same situation anytime..lets act together and choose other banks to co-operate with ;lets stop together using HSBC bank services…I am so sure there are many other better banks any other place in the world;please go for them…Don’t risk yourself with HSBC They even have the terms and Conditions which allow them to cease their services for you..Please find better one..lets act together not to legitimize the banks non-friendly services for the people which trouble the customers extremely so much!!...
nairn skipper
2 years ago
Diabolical service.
Diabolical service. Need to change from one account within HSBC to another, but Inverness Branch “Not Authorised” to set it up. Informed could be done on line, but On-Line chat said it could only be done via phone, gave me 03457 606060 but they referred me to 03455 873540, no one answers then call cut off 5 times ! Asked Chat agent to register formal Ombudsman Complaint, but Chat agent refused, said he was not authorised. I think non acceptance of Complaint breaches Banking Ombudsman’s rules. Avoid HSBC if you can
2 years ago
HSBC Credit card? No thanks!
After I have repeatedly reported HSBC to the BBB, Amy Wilkinski who is the customer relations manager of this bank, sent me an email stating that she is going to send me a gift to my post office box mail. After waiting 2 weeks I received a cup of coffee. I tried to email her back, but could not find her email because she had already hurried to delete it, aware of her discriminative mocking abuse and foul play. I cancelled my credit card with HSBC because of their unprofessional misconduct that caused me worries, time waste and lot of hassle as they kept charging me online fictitious amount of money hoping I would not pay attention and pay them. Instead of spending her energy finding a cup mocking my age and being sarcastic, Wilkinski could have used it to find a solution to our disagreement and restore peace between us. My claim was a monetary compensation, NOT A CUP OF COFFE. Worst customer service and nonstop foul play. I am writing this review to make other clients aware of the unethical unprofessional behavior and of this customer relations manager and her bank. Read online some reviews about HSBC and you will understand which kind of service they offer!
daniel c conley
3 years ago
Reduced quality of service
I've used HSBC for quite a while and they do have some advantage for international customers. However today, their usefulness significantly reduced. I tried to do a direct deposit for a very clearly written check which was well photographed and they rejected it because their crappy programme could not interpret xx/00 as no cents. Instead of giving me the option to have a customer service rep review the check, they told me to post it in. Post today from the EU to the USA, is not a comforting prospect and HSBC is now less convenient
scot shapiro
4 years ago
Sharp stick in the eye is better than HSBC
I opened my HSBC account with $10k that was supposed to earn me a welcome bonus of $350 after 90 days. To actually get in touch with their abysmal customer service takes endless phone trees and a lifetime listening to horrid muzak only to be helped by someone who is essentially helpless as they cannot do a thing, just request information which takes a considerable amount of time to get (think days...) and then they still don't know. Well after the 90 days were up I repeatedly inquired about the welcome bonus and after being told that I meet the qualifications I was told (multiple phone calls through their archaic and awful system) that since I didn't use their link to set up the account I wouldn't be getting my bonus. I then withdrew all the funds I had in the account and left the .45¢ in interest for them to choke on. Little did I know that they would charge me $25 for every month my account was under a certain balance and after receiving a collections notice I once again got on the phone to deal with the worst bank in the universe, well, maybe the galaxy. You can imagine my great delight that it only took 5 calls to finally close my account. It is breathtaking how poorly managed this bank is, and wherever I am in the world, I will never use an HSBC ATM, or have anything good to say about this company.
5 years ago
HSBC has the worst customer service hands down!!!!!
I work with most of the major banks in the US and No other bank come even close to HSBC. Here are just to name a few 1. HSBC has a very crapy online banking website and mobile app ( I can talk about this point all day long) 2. HSBC missed some of my information so they put a hold on my account then I couldn't make any payments so they start charging me all sort of different fees. Now I am supposed to call their security department to fix it. the funny part is they have a long wait time. I waited 1 hour and 45 minutes yesterday until their working our ended SMH!!!! 3. When they charge you a fee and its bank fault they can only waive one of the late fees. 4. Very long waiting times for customer service 5. I Got a promotion to open a credit card to get 150$ bonus but after a year still, haven't got it ( they were supposed to pay it the first 3 months). Just Awful
j jen
7 years ago
New online banking is a total MESS.
What on earth are HSBC thinking about? They have changed their online banking pages from a perfectly good and clear system, where everything was easily marked and could be read at a glance, to an unbelievably bad mess. Nothing is clearly marked, it takes longer to find what you are looking for than it did to do 5 or 6 transactions on the old system and it keeps freezing when it tries to gather information. How much have their IT department been paid for such an atrocious, confusing website? Please HSBC, go back to the old system, at least until the new one is usable.
howard paul shore
7 years ago
HSBC Bank Credit Card Customer Service Really Sucks Big Time!
Back on Monday, January 9, 2017, I called up my HSBC Mastercard Credit Card Company at (888) 662-4722 because I needed to get a hold of the Disputes Department regarding the status of a Dispute. The hold time was beyond Disgusting, Ridiculous and Unacceptable. When I called them up, I did get to speak to somebody, however, the representative told ME that I would need to get a hold of the Disputes Department and over the phone I was told that she would get me the answers that I need. Well, I was on hold for at least 42 minutes and 30 seconds and sadly Not only did the representative Not come back to me on the phone, but she left me hanging there and then all of a sudden instead of holding for her, I ended up having the system take me back to the very beginning with a repeat of the same recorded message asking me to enter my credit card information all over again. At that point, I just hung up. Yes, I did file a complaint over this Horrible and Disgusting Situation, but all this Cheap, Selfish Company Can Do is write me back a Form Letter which I received back on Thursday, January 12, 2017 with Nothing, but Apologies and Excuses as to Why It Happened? Well, this does Not Solve My Problem in the Very Least and this Low Class Credit Card Provider could have at least Compensated Me For The Inappropriate Hold Time, Plus Being Let Go By The Female Representative, Plus Ending Up Not Getting The Answers To My Dispute Questions To Begin With. That Is Way Too Much To Go Through Coming From A Billion Dollar Company Who CAN Afford To Take Care Of Their Customers Properly, but just Does Not Care! Obviously. Enclosed, in the attachments, please find Screenshots Showing You Proof Of The Horrible Holding Time, plus HSBC's Illegitimate Response Letter for your reference and further review. Thank You. Do You Honestly Call This Good HSBC Premier Mastercard Credit Card Service? Hell No! Thanks, But No Thanks! Sincerely yours, Howard Paul Shore Executive Writer And Promoter For Google And Other Social Media Websites Angry And Upset HSBC Premier Mastercard Customer /HPS Enclosures: Please See The Attachments For The Proof Of The Horrible Holding Time, plus HSBC's Illegitimate Response Letter Back On Thursday, January 12, 2017 for your reference and further review. Thank You.