Echoing what others are saying, it's basically an exercise in frustration and incompetence and idiosyncrasy. I'm close to giving up and closing my account. My account is not funded because it's impossible to fund it so far. I've never had this much trouble with a bank in my life, and I'm not young. They seem to have studied the best way to make it unclear, impossible, unnecessarily complicated - and gone that route, it almost seems intended to mess with peoples' heads. Requiring a mobile-app based PIN for basic functioning is problem 1 - I never use mobile apps for banking but HSBC Expat gives you no choice. The mobile app is completely unclear how to fund the account and since I'm unable to log in using a browser, I'm at a loss. If this is the way HSBC operates, count me out. I'm blown away by how bad this user experience has been. It's textbook "how to alienate a customer" protocol, almost from start to finish.
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HSBC, one of the largest banking and financial services institutions in the world, serves millions of customers through its four Global Businesses.