After many years with them and having had an excellent customer 5 star experience for most of these as it was efficient, easy 365, 24/7 banking ....but being non branch based and with limited local HSBC branches open I now think they are failing badly. Their on line processes continue to be complicated and the limits for paying in cheques and moving larger amounts of money mean the only way to do this is on the phone. FIne, BUT the wait times have got worse over the last year or so and lately have been poor both in connection times to an agent and quality of the line connection, possibly though some home working? Need to improve or loyal customers like me will be moving elsewhere I suspect.