Top of main content

Complaints data

Every 6 months both the Financial Conduct Authority and the Financial Ombudsman Service publish complaints data about individual financial businesses.

Providing excellent customer service and satisfaction is very important to everyone at HSBC, and when things go wrong we want to resolve them quickly and fairly.

We've provided a summary of our complaints data for the first half of 2025. To see how we've done, simply click on one of our two companies below.

HSBC UK Bank plc includes both HSBC Bank and first direct complaints data. To see a summary for HSBC UK Bank plc or for the individual brands, please select a link below.

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2025

 

Brands/trading names covered: HSBC UK Bank, first direct

Product/Service Group Number of complaints opened by volume of business
Number of complaints opened
Number of complaints closed
% closed within 3 days
% closed after 3 days but within 8 weeks
% upheld1
Main cause of complaints opened
Banking & Credit Cards

2.95 per 1,000 accounts

84,351

83,920

72.2%

27.5%

59.7%

General Admin/ Customer Service

Home Finance

5.42 per 1,000 balances outstanding

5,264

5,186

32.2%

65.2%

61.4%

General Admin/ Customer Service

Insurance and Pure Protection

0.06 per 1,000 policies in force

548

522

27.2%

71.1%

46.6%

General Admin/ Customer Service

Decumulation2 & Pensions

0.21 per 1,000 policies in force

66

69

17.4%

49.3%

65.2%

General Admin/ Customer Service

Investments

1.03 per 1,000 client accounts 1,160 1,105 17.8% 77.9% 65.2%

General Admin/ Customer Service

Credit Related

6.1 per 1,000 accounts/loans 5,196 5,123 - - 53.9%

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2025

 

Brands/trading names covered: HSBC UK Bank, first direct

Product/Service Group Banking & Credit Cards
Number of complaints opened by volume of business

2.95 per 1,000 accounts

Number of complaints opened

84,351

Number of complaints closed

83,920

% closed within 3 days

72.2%

% closed after 3 days but within 8 weeks

27.5%

% upheld1

59.7%

Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group Home Finance
Number of complaints opened by volume of business

5.42 per 1,000 balances outstanding

Number of complaints opened

5,264

Number of complaints closed

5,186

% closed within 3 days

32.2%

% closed after 3 days but within 8 weeks

65.2%

% upheld1

61.4%

Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Insurance and Pure Protection

Number of complaints opened by volume of business

0.06 per 1,000 policies in force

Number of complaints opened

548

Number of complaints closed

522

% closed within 3 days

27.2%

% closed after 3 days but within 8 weeks

71.1%

% upheld1

46.6%

Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Decumulation2 & Pensions

Number of complaints opened by volume of business

0.21 per 1,000 policies in force

Number of complaints opened

66

Number of complaints closed

69

% closed within 3 days

17.4%

% closed after 3 days but within 8 weeks

49.3%

% upheld1

65.2%

Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Investments

Number of complaints opened by volume of business
1.03 per 1,000 client accounts
Number of complaints opened
1,160
Number of complaints closed
1,105
% closed within 3 days
17.8%
% closed after 3 days but within 8 weeks
77.9%
% upheld1
65.2%
Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Credit Related

Number of complaints opened by volume of business
6.1 per 1,000 accounts/loans
Number of complaints opened
5,196
Number of complaints closed
5,123
% closed within 3 days
-
% closed after 3 days but within 8 weeks
-
% upheld1
53.9%
Main cause of complaints opened

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2025

 

Brands/trading names covered: HSBC UK Bank 

Product / Service Group
Number of complaints opened by volume of business
Number of complaints opened
Number of complaints closed
% closed within 3 days
% closed after 3 days but within 8 weeks
% upheld1
Main cause of complaints opened

Banking & Credit Cards

3.07 per 1,000 accounts

75,102

74,549

73.0%

26.6%

61.0%

General Admin/ Customer Service

Home Finance

5.55 per 1,000 balances outstanding

4,709

4,631

30.5%

66.6%

61.8%

General Admin/ Customer Service

Insurance and Pure Protection

0.06 per 1,000 policies in force

501

476

23.9%

74.2%

46.6%

General Admin/ Customer Service

Decumulation2 & Pensions

0.21 per 1,000 policies in force

66

69

17.4%

49.3%

65.2%

General Admin/ Customer Service

Investments

0.98 per 1,000 client accounts

1,073

1,012

16.9%

78.5%

64.5%

General Admin/ Customer Service

Credit Related

6.54 per 1,000 accounts/loans

4,745

4,678

-

-

54.6%

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2025

 

Brands/trading names covered: HSBC UK Bank 

Product / Service Group

Banking & Credit Cards

Number of complaints opened by volume of business

3.07 per 1,000 accounts

Number of complaints opened

75,102

Number of complaints closed

74,549

% closed within 3 days

73.0%

% closed after 3 days but within 8 weeks

26.6%

% upheld1

61.0%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Home Finance

Number of complaints opened by volume of business

5.55 per 1,000 balances outstanding

Number of complaints opened

4,709

Number of complaints closed

4,631

% closed within 3 days

30.5%

% closed after 3 days but within 8 weeks

66.6%

% upheld1

61.8%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Insurance and Pure Protection

Number of complaints opened by volume of business

0.06 per 1,000 policies in force

Number of complaints opened

501

Number of complaints closed

476

% closed within 3 days

23.9%

% closed after 3 days but within 8 weeks

74.2%

% upheld1

46.6%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Decumulation2 & Pensions

Number of complaints opened by volume of business

0.21 per 1,000 policies in force

Number of complaints opened

66

Number of complaints closed

69

% closed within 3 days

17.4%

% closed after 3 days but within 8 weeks

49.3%

% upheld1

65.2%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Investments

Number of complaints opened by volume of business

0.98 per 1,000 client accounts

Number of complaints opened

1,073

Number of complaints closed

1,012

% closed within 3 days

16.9%

% closed after 3 days but within 8 weeks

78.5%

% upheld1

64.5%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Credit Related

Number of complaints opened by volume of business

6.54 per 1,000 accounts/loans

Number of complaints opened

4,745

Number of complaints closed

4,678

% closed within 3 days

-

% closed after 3 days but within 8 weeks

-

% upheld1

54.6%

Main cause of complaints opened

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2025

 

Brands/trading names covered: first direct 

Product / Service Group
Number of complaints opened by volume of business Number of complaints opened
Number of complaints closed
% closed within 3 days
% closed after 3 days but within 8 weeks
% upheld1
Main cause of complaints opened

Banking & Credit Cards

2.24 per 1,000 accounts

9,249

9,371

65.6%

34.1%

49.6%

General Admin/ Customer Service

Home Finance

4.49 per 1,000 balances outstanding

555

555

46.3%

52.8%

57.7%

General Admin/ Customer Service

Insurance and Pure Protection

0.1 per 1,000 policies in force

47

46

60.9%

39.1%

45.7%

General Admin/ Customer Service

Decumulation2 & Pensions

N/A

-

-

-

-

-

-

Investments

3.93 per 1,000 client accounts

87

93

28.0%

72.0%

72.0%

General Admin/ Customer Service

Credit Related

3.58 per 1,000 accounts/loans

451

445

-

-

47.4%

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2025

 

Brands/trading names covered: first direct 

Product / Service Group

Banking & Credit Cards

Number of complaints opened by volume of business

2.24 per 1,000 accounts

Number of complaints opened

9,249

Number of complaints closed

9,371

% closed within 3 days

65.6%

% closed after 3 days but within 8 weeks

34.1%

% upheld1

49.6%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Home Finance

Number of complaints opened by volume of business

4.49 per 1,000 balances outstanding

Number of complaints opened

555

Number of complaints closed

555

% closed within 3 days

46.3%

% closed after 3 days but within 8 weeks

52.8%

% upheld1

57.7%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Insurance and Pure Protection

Number of complaints opened by volume of business

0.1 per 1,000 policies in force

Number of complaints opened

47

Number of complaints closed

46

% closed within 3 days

60.9%

% closed after 3 days but within 8 weeks

39.1%

% upheld1

45.7%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Decumulation2 & Pensions

Number of complaints opened by volume of business

N/A

Number of complaints opened

-

Number of complaints closed

-

% closed within 3 days

-

% closed after 3 days but within 8 weeks

-

% upheld1

-

Main cause of complaints opened

-

Product / Service Group

Investments

Number of complaints opened by volume of business

3.93 per 1,000 client accounts

Number of complaints opened

87

Number of complaints closed

93

% closed within 3 days

28.0%

% closed after 3 days but within 8 weeks

72.0%

% upheld1

72.0%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Credit Related

Number of complaints opened by volume of business

3.58 per 1,000 accounts/loans

Number of complaints opened

451

Number of complaints closed

445

% closed within 3 days

-

% closed after 3 days but within 8 weeks

-

% upheld1

47.4%

Main cause of complaints opened

-

Notes

† HSBC UK Bank plc includes both HSBC UK Bank and first direct complaints data. Table shows the complaints data specific to the named brand/trading name only.

1 'Complaints upheld by firm' refers to the percentage of complaints that the bank has found in the customer's favour either in whole or part.

2 'Decumulation' is the way in which customers can turn their accumulated assets into an income. This can be done, for example, to help provide an income for retirement.

See how we're doing compared with the rest

For further information and published complaints data, including other UK banks, visit:

Financial Conduct Authority

Financial Ombudsman Service

It's easy to answer your query online. Visit our Help page to find out how.