We have a HSBC multi currency accounts in in the same name in the US, the UK and Singapore and they charge ridiculous amounts to transfer from one HSBC account to the other. It's taken me a total of 2 hours in a chat queue and on a voice call in parallel to try to speak to an agent with still not luck. To compare, we also have Revolut accounts in the UK and Singapore where we can transfer instantly with no fees between each other without the need to change currency. If we like to change currencies it has much better rates and you can easily speak to helpful agents if you need someone.