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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 2026. Select one of the company name links to see how we've done.

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 2026

 

Brands/trading names covered: HSBC UK Bank, first direct, Marks & Spencer Financial Services

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

2.26 per 1,000 accounts

73,367

71,044

60.1%

39.3%

58.8%

General Admin/ Customer Service

Home Finance

4.27 per 1,000 balances outstanding

4,246

4,270

29.3%

68.9%

62.4%

General Admin/ Customer Service

Insurance and Pure Protection

0.06 per 1,000 policies in force

423

439

26.7%

72.0%

50.6%

General Admin/ Customer Service

Decumulation2 & Pensions

0.25 per 1,000 policies in force

80

77

10.4%

62.3%

58.4%

General Admin/ Customer Service

Investments

1.01 per 1,000 client accounts 1,207 1,082 13.5% 83.8% 65.3%

General Admin/ Customer Service

Credit Related

4.09 per 1,000 accounts/loans 4,200 4,159 - - 51.9%

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2026

 

Brands/trading names covered: HSBC UK Bank, first direct, Marks & Spencer Financial Services

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

2.26 per 1,000 accounts

Number of complaints opened

73,367

Number of complaints closed

71,044

% closed within 3 days

60.1%

% closed after 3 days but within 8 weeks

39.3%

% upheld1

58.8%

Main cause of complaints opened

General Admin/ Customer Service

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

4.27 per 1,000 balances outstanding

Number of complaints opened

4,246

Number of complaints closed

4,270

% closed within 3 days

29.3%

% closed after 3 days but within 8 weeks

68.9%

% upheld1

62.4%

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

423

Number of complaints closed

439

% closed within 3 days

26.7%

% closed after 3 days but within 8 weeks

72.0%

% upheld1

50.6%

Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Decumulation2 & Pensions

Number of complaints opened by volume of business

0.25 per 1,000 policies in force

Number of complaints opened

80

Number of complaints closed

77

% closed within 3 days

10.4%

% closed after 3 days but within 8 weeks

62.3%

% upheld1

58.4%

Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Investments

Number of complaints opened by volume of business
1.01 per 1,000 client accounts
Number of complaints opened
1,207
Number of complaints closed
1,082
% closed within 3 days
13.5%
% closed after 3 days but within 8 weeks
83.8%
% upheld1
65.3%
Main cause of complaints opened

General Admin/ Customer Service

Product/Service Group

Credit Related

Number of complaints opened by volume of business
4.09 per 1,000 accounts/loans
Number of complaints opened
4,200
Number of complaints closed
4,159
% closed within 3 days
-
% closed after 3 days but within 8 weeks
-
% upheld1
51.9%
Main cause of complaints opened

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2026

 

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

2.38 per 1,000 accounts

67,291

64,921

59.0%

40.3%

59.8%

General Admin/ Customer Service

Home Finance

4.37 per 1,000 balances outstanding

3,822

3,831

26.2%

71.7%

62.7%

General Admin/ Customer Service

Insurance and Pure Protection

0.06 per 1,000 policies in force

386

404

22.8%

75.7%

51.5%

General Admin/ Customer Service

Decumulation2 & Pensions

0.25 per 1,000 policies in force

80

77

10.4%

62.3%

58.4%

General Admin/ Customer Service

Investments

0.96 per 1,000 client accounts

1,124

1,002

11.8%

85.3%

64.0%

General Admin/ Customer Service

Credit Related

4.21 per 1,000 accounts/loans

3,875

3,839

-

-

52.4%

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2026

 

Brands/trading names covered: HSBC UK Bank †

Product / Service Group

Banking & Credit Cards

Number of complaints opened by volume of business

2.38 per 1,000 accounts

Number of complaints opened

67,291

Number of complaints closed

64,921

% closed within 3 days

59.0%

% closed after 3 days but within 8 weeks

40.3%

% upheld1

59.8%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Home Finance

Number of complaints opened by volume of business

4.37 per 1,000 balances outstanding

Number of complaints opened

3,822

Number of complaints closed

3,831

% closed within 3 days

26.2%

% closed after 3 days but within 8 weeks

71.7%

% upheld1

62.7%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Insurance and Pure Protection

Number of complaints opened by volume of business

0.06 per 1,000 policies in force

Number of complaints opened

386

Number of complaints closed

404

% closed within 3 days

22.8%

% closed after 3 days but within 8 weeks

75.7%

% upheld1

51.5%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Decumulation2 & Pensions

Number of complaints opened by volume of business

0.25 per 1,000 policies in force

Number of complaints opened

80

Number of complaints closed

77

% closed within 3 days

10.4%

% closed after 3 days but within 8 weeks

62.3%

% upheld1

58.4%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Investments

Number of complaints opened by volume of business

0.96 per 1,000 client accounts

Number of complaints opened

1,124

Number of complaints closed

1,002

% closed within 3 days

11.8%

% closed after 3 days but within 8 weeks

85.3%

% upheld1

64.0%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Credit Related

Number of complaints opened by volume of business

4.21 per 1,000 accounts/loans

Number of complaints opened

3,875

Number of complaints closed

3,839

% closed within 3 days

-

% closed after 3 days but within 8 weeks

-

% upheld1

52.4%

Main cause of complaints opened

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2026

 

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

1.47 per 1,000 accounts

6,076

6,123

71.1%

28.6%

48.4%

General Admin/ Customer Service

Home Finance

3.54 per 1,000 balances outstanding

424

439

55.6%

43.7%

60.4%

General Admin/ Customer Service

Insurance and Pure Protection

0.08 per 1,000 policies in force

37

35

71.4%

28.6%

40.0%

General Admin/ Customer Service

Decumulation2 & Pensions

N/A

-

-

-

-

-

-

Investments

3.83 per 1,000 client accounts

83

80

35.0%

65.0%

82.5%

General Admin/ Customer Service

Credit Related

3.06 per 1,000 accounts/loans

325

320

-

-

45.6%

-

Firm name: HSBC UK Bank plc

 

Period covered in this report: 1 January to 30 June 2026

 

Brands/trading names covered: first direct †

Product / Service Group

Banking & Credit Cards

Number of complaints opened by volume of business

1.47 per 1,000 accounts

Number of complaints opened

6,076

Number of complaints closed

6,123

% closed within 3 days

71.1%

% closed after 3 days but within 8 weeks

28.6%

% upheld1

48.4%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Home Finance

Number of complaints opened by volume of business

3.54 per 1,000 balances outstanding

Number of complaints opened

424

Number of complaints closed

439

% closed within 3 days

55.6%

% closed after 3 days but within 8 weeks

43.7%

% upheld1

60.4%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Insurance and Pure Protection

Number of complaints opened by volume of business

0.08 per 1,000 policies in force

Number of complaints opened

37

Number of complaints closed

35

% closed within 3 days

71.4%

% closed after 3 days but within 8 weeks

28.6%

% upheld1

40.0%

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

3.83 per 1,000 client accounts

Number of complaints opened

83

Number of complaints closed

80

% closed within 3 days

35.0%

% closed after 3 days but within 8 weeks

65.0%

% upheld1

82.5%

Main cause of complaints opened

General Admin/ Customer Service

Product / Service Group

Credit Related

Number of complaints opened by volume of business

3.06 per 1,000 accounts/loans

Number of complaints opened

325

Number of complaints closed

320

% closed within 3 days

-

% closed after 3 days but within 8 weeks

-

% upheld1

45.6%

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

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