have been an acct holder since the 90s. I have never had a decent interaction with this bank nor any of its staff, save for the odd person in store. every time i call i have to wait on hold for over an hour. the mobile app won't let me join bc HSBC are unable to verify my details (a UK citizen since birth and an HSBC acct holder for nearly 30 years). they have charged me at every opportunity. i cannot suggest that any of their products have been competitive. they have closed accounts without given me adequate notice (because i did not reply to a letter sent to my spam email folder advising new terms which i had to agree to!!) This is a bank that treats its customers with utter contempt Do not ever open an account with them