HSBC closed their branch in my town and then the branch I used to pay in to on my way to work also closed. I haven't had a satisfactory call with FD customer service the last three times. Staff appear willing and helpful but can't seem to resolve an issue. Spent several hours trying to transfer funds to another financial entity yesterday and FD kept blocking it for no reason. The fraud department seems to be overseas now and when transferred to them I was just told 'tomorrow, tomorrow', meaning that they couldn't resolve it and just wanted me to go away. I still can't resolve it and nobody will investigate and call you back. I accept that sometimes things don't go according to plan but it's how an issue is resolved that really matters with online banking. Oh, and I didn't like the hard sell for banking by App either. I'll be switching, as soon as I can find a suitable alternative.