They use every excuse they can to not give you access to your money I have been trying for 4 months to change two signatories and get online access to an existing business account, incompetent does not even come close. Do not expect ever to see a manager they are permanently, conveniently always in meetings. An the cashier staff lie through their teeth saying the other colleague you saw must have given you the wrong information. The latest reason I can not access online banking is someone deleted me as a primary user then put me back on so the process has to start again. Never give this bank your money or your trust. I am a volunteer Treasurer I do not even get paid for putting up with this grief but they do not care. They do not care that we have over due bills and could be facing court action. They do not care that the sheer frustration of trying to get this account up and running as had me in tears on more than one occaision. HSBC Heartless, Selfish, Beyond Caring Bank. Avoid it at all costs.