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Comment by silisili | Hacker News Reader

HSBC is by far the worst banking experience I ever had. I only signed up for the generous sign up bonus. The app was very, very dated and only worked half the time. The website seemed to redirect you about 50 times on login, again, failing half the time. I could go on and on about how awful things were designed, but will not in the interest of time. I couldn't wait to get that money out and close it up. It's like they weren't even trying.

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It is hands down the worst, stupidest login process I've ever experienced. Where I am, the app makes you choose a long password (great!) but instead of entering the whole thing, asks for random characters from it, making it impossible to use a password manager. Whoever made this truly hates their customers.

Asking for three letters from a password and/or PIN is quite common for UK banks.

Same, finally after a year of random issues I asked that my accounts be closed. They ended up just cutting me bank checks for the entire balance but left the accounts open which triggered monthly dues and ultimately a negative balance they wanted to collect on. Took the branch manager over an hour to figure out how to fix everything.

I am very similar, I was looking to switch and the signup bonus tempted me

in the end I closed that account and went back to my old one as the HSBC website and app were so appallingly bad

it was like something out of 1995

I empathize with the login process being clunky. That and I think they gave me $500 for putting in $5k for 3 months. I recall calculating it was something like a “46% annualized return or 1.10 ^ 4”, for 3 months, on 5k, with FDIC insurance to boot…

Same here. I had an account with them 10 years ago. They were unbelievably dysfunctional, unlike any other bank I've worked with.

I figured no business could be profitable operating in such a clumsy way, indicating that "boring" retail banking was not the focus of their operations.

Same...exited this bank a few months ago when consolidating accounts. HSBC was at the bottom of the checking accounts I held.

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