If you don't know how to ruin your day, your business use HSBC Kinetic app that freezes and gives error after error until the end when the message Failed to connect to the server appears. Trying to contact customer service is another challenge. For 40 minutes I was transferred to 4 operators. I simply asked to switch businesses bank account. At the end, the last operator told me that it is in progress without me having provided any information regarding bank details. The office is based in India. That's where telepathy works. It should be HSBC telepathic not kinetic. The worst experience I ever had with a bank. I've been stuck all day trying to close the account and still haven't succeeded because there is no customer support.