The worst bank to use experience on daily basis , no respect no customer loyalty even if you use the bank for long term or long years still the same they will make you suffer doing transfers using their services is just terrible, try and they will make you regret that you choose HSBC , I been with them for some years and for just to transfer money locally they make me regret that I choose them I spend money on calling them and visiting their brunches much more then the transfer I made and from agent to agent from service to service, the best bank give you fake promises.