HSBC HK Mobile Banking

The app is very poorly designed. It is slow and options are hard to find. On top of it, it stops working on some days. Password reset process is opaque. The one time passwords they send do not work and you can end up locking your account. My advice is to stay away from the app and rely on the old school security device because that is very reliable and mature.

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HSBC Service is seriously lacking. When you visit the centers they give constantly wrong information. I visited the Central location sometime ago and had a officer tell me that they did not have “Face ID” available for their online app. Also when any issue arises with the online app one must always call customer service. One example, when changing phones and logging into the online system it literally takes less than 5 minutes to set up with my Bank of American bank account but with HSBC you go through a whole process online to only end up needing to call the customer hotline. Very frustrating.

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Complaint on After UPDATEing, further DOWNLOADing/INSTALLATION is required while opening the App After downloading the UPDATE of YOUR App at home, when I open the App, it requires a further downloading / installation. (usually while I was shopping). POOR App Design Reason 1: It embarrasses me when I am at the front of the queue & urgently need your App to work for me. POOR App Design Reason 2: It wastes me valuable time when I have to use your App to do a very simple process, but it takes me a lot of time to wait for the downloading/installation before YOUR App is ready to work. CUNNING App Design Reason 1: It costs me my Mobile Data to do the download out there without WiFi. You MUST have received BENEFIT or REBATE from the Mobile Service Provider. No matter what, the DEBT is on you, because it is your App. What a POOR and CUNNING design !! Also, why is it necessary to UPDATE your App so FREQUENTLY? Is it because your App contains too MANY BUGs to be fixed? Please provide a detailed list of items you need to fixed. Cause, it is really annoying.

For banking App, the readiness at day 1 of new iPhone release every year is very important. Well tested and updated is mandatory to support new iPhone giving the best customer experience as customers use the App for their financial activity daily. When Apple releases new iPhone every year of Sep regularly, banking App should also has been regularly supported and updated in advanced as a usual of customer expectation.

Seriously - we all know it’s easier to lose your phone than your hardware token. I really really really prefer a hardware token over soft token. Why can’t I have biometric login without switching to soft token? I don’t mind having reduced set of features because I enabled biometric login without using my phone as soft token as well but please - I just want to login and check my account balance or perform some basic stuff such as EasyPay. Am I asking too much?