HSBC UK vs Monzo: most-reported complaints compared
Most-reported issues at HSBC UK and Monzo, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
HSBC UK
TrustScore 4.4 · 29,346 reviews on Trustpilot.
1,069 reviews analysed, 2025-10-09 to 2026-09-26.
Complaint rate (recent window): 22%
96% of negative reviews get a company reply.
“Refusal to allow my wife to invest in a UK listed stock because a certain individual at the bank has decided it's not permitted.”
Monzo
TrustScore 4.6 · 72,670 reviews on Trustpilot.
2,313 reviews analysed, 2025-03-21 to 2026-09-23.
Complaint rate (recent window): 9%
51% of negative reviews get a company reply.
“Monzo refused to make a payment I scheduled for immediate bank transfer.”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | HSBC UK | Monzo |
|---|---|---|
| Support unhelpful | 48% | 35% |
| Account/app problems | 35% | 34% |
| Support unreachable | 20% | 16% |
| Other | 11% | 13% |
| Billing errors | 6% | 9% |
| Overcharging | 3% | 7% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, HSBC UK or Monzo.