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Lloyds TSB or HSBC?
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realxtina
Posts: 8 Forumite
I know this a broad question, but which bank are better? Also, out of the two who are stricter in terms of opening account with if your credit rating isn't great. Thanks.
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HSBC I imagine are stricter. But I prefer HSBC.0
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Depends whether you want a bank that can't control its own balance sheet or one of the strongest financial institutions in the world.
And what are your criteria for "better"? Cheaper? Go with Lloyds. HSBC will never be the cheapest in the market, they are not competing on price.Before you ask, yes, I work for a bank, but no, I didn't get a bonus!0 -
Only had experience with Lloyds not HSBC, am happy with Lloyds.Can I find out my credit score?You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)0
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I don't really know what I mean by better, but in terms of customer service, reputation etc, who would you all say are better out of the two? I've been told HSBC are stricter, worldwide, better rates etc, but Lloyds TSB okay bank but kinda dated etc.0
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Im with TSB and HSBC and a few other accounts
but if i was to choose just one it would be HSBC.• HSBC (Main A/C)
• Halifax Back up A/C
• Lloyds (Spending) A/C
• RBS Back up A/C
• Barclays Old A/C
• Nationwide Old A/C0 -
I have used both HSBC and Lloyds TSB. I prefer Lloyds, they have better products which you can actually benefit from once you open a current account and I have found customer service from Lloyds to generally be better. I have no credit rating whatsoever and managed to get 3 current accounts with Lloyds no questions asked.0
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the problem with hsbc is its unlikely you will ever have any product with them other than a current account as their whole range is uncompetitive.0
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the problem with hsbc is its unlikely you will ever have any product with them other than a current account as their whole range is uncompetitive.
True:
They are fussy... but the thing is... i've been with TSB for years never had a credit card or overdraft with them... because they never gave me one.. (and didn't want to either)
Even when i worked...
so i joined HSBC about a month ago now.
got £500 overdraft and a £2800 limit on a credit card oh and that current account along with saving accounts isa's etc.
Weird i know.. TSB no? but HSBC a bank i recently joined and i got all of that?.......• HSBC (Main A/C)
• Halifax Back up A/C
• Lloyds (Spending) A/C
• RBS Back up A/C
• Barclays Old A/C
• Nationwide Old A/C0
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