There bank and customer service is totally rubbish and poor my account had different transactions going on but with good grief they gave me the money back but they modeled all my transactions and cause they made it that complicated I had no choice but too pay my own transactions back because I couldn’t do with the headache and case taking this to court and in one the branches when my card got eaten the managers approach was very poor like in the street when gangster approaches you for when you owe them money. HSBC is a rubbish bank Halifax and Barclays I rate them better