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 plc, incorporated in 2015 and headquartered in Birmingham. It also operates first direct as a separate telephone and digital banking brand under the same banking licence.
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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 and social proof
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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