Also known as: HSBC; HSBC UK; first direct (trading name — see separate record)
HSBC UK Bank plc is the ring-fenced UK retail and commercial banking subsidiary of HSBC Holdings, one of the world's largest banking groups. It handles the day-to-day UK banking for millions of personal and business customers across Great Britain and Northern Ireland.
Personal banking products include current accounts, savings accounts, mortgages, personal loans, and credit cards. Business customers can access commercial lending, trade finance, and business accounts. HSBC also offers investment and insurance products through partner arrangements.
The bank operates a network of branches across the UK, though like many high street banks it has been closing branches and shifting customers toward digital banking. Its mobile app and online platform are highly rated. HSBC also owns first direct, the telephone and online bank, which operates as a separate brand but is legally part of HSBC UK Bank plc.
If you bank with HSBC and have a question, complaint, or concern, you can contact them on 03457 404 404 or through online banking. Their registered address is 1 Centenary Square, Birmingham, B1 1HQ. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 per person under the Financial Services Compensation Scheme.
If you hold deposits with both HSBC and first direct, these are part of the same legal entity, so the combined limit is £85,000 across both brands, not £85,000 each. This is an important point if you have savings with both. Free debt advice if needed is available from StepChange, National Debtline, or Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from HSBC UK Bank plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal current accounts; savings accounts; mortgages; personal loans; credit cards; business banking; international banking; wealth and investment services
Trading names and group notes
Subsidiary of HSBC Holdings plc (global HQ: London). Also operates first direct as a trading name (same FRN 765112 — FSCS protection limit of £85,000 shared across HSBC UK and first direct balances). HSBC Bank plc (FRN 114216) is the separate non-ring-fenced investment banking entity.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.5
27120 reviews
App Store
4.7
Google Play
4.5
Other review sources
Which? Customer Score: 63%; Smart Money People: 3.7/5; FSCS protected deposits up to £85,000 (shared with first direct)
Overall public sentiment
Positive. HSBC UK scores 4.5/5 (Excellent) on Trustpilot, among the higher ratings for traditional high-street banks. Customers value digital app functionality and international capabilities. Complaints relate to account freezing, fraud handling, and branch availability.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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