Firm + product analysis

HSBC UK Bank Plc in Banking and Payments

A curated public analysis of HSBC UK Bank Plc's published Financial Ombudsman decisions in Banking and Payments, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

4,631 published FOS decisions involving HSBC UK Bank Plc in Banking and Payments, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

4,631

Decision volume in this firm-product slice

Upheld rate

32.2%

1,492 upheld decisions

Latest published decision 30 Jan 2026

Published decisions

4,631

Decision volume in this firm-product slice

Upheld rate

32.2%

1,492 upheld decisions

Latest active year

2026

20 decisions

Leading complaint theme

Fraud Or Scam Concern

1,527 tagged decisions

HSBC UK Bank Plc in Banking and Payments

HSBC UK Bank Plc appears in 4,631 published decisions in Banking and Payments across this corpus. 32.2% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2026, with 20 published decisions and an upheld rate of 40.0%.

  • Leading complaint theme: Fraud Or Scam Concern
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Banking and Payments: low

How the slice behaves over time

HSBC UK Bank Plc has a multi-year published decision trail in Banking and Payments, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and Payments remains a meaningful part of HSBC UK Bank Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2026: 20 decisions, 40.0% upheld
  • 2025: 1,108 decisions, 25.3% upheld
  • 2024: 889 decisions, 30.8% upheld
  • 2023: 816 decisions, 38.1% upheld
  • 2022: 910 decisions, 38.4% upheld

Themes, precedent context, and handling implications

Fraud Or Scam Concern is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 2.6% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% of cases), and others.

  • Second complaint theme: Delay In Claim Handling

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-578612330 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

I uphold this complaint and require HSBC UK Bank Plc to reimburse Mr N in line with what I have said above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr N to accept or reject my decision before 24 February 2026.

View source decision
DRN-581749730 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

For the reasons I’ve explained above, I uphold this complaint. If Mr S accepts my final decision, HSBC UK Ltd should refund the payments he made in connection with the scam, less any returns that he received.

View source decision
DRN-583338830 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

For the reasons set out above, I uphold this complaint and require HSBC UK Bank Plc to: • Refund Mr R the £12,300 loss he suffered as a result of this scam • Pay Mr R 8% simple interest on that refund, from the deadline for its original response to his claim until the date of settlement Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 27 February 2...

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DRN-587204730 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

I uphold this complaint. HSBC UK Bank Plc should put things right as set out above.

View source decision
DRN-595082430 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

I uphold this complaint. HSBC UK Bank Plc should put things right as set out above.

View source decision