Only writing this bad review on here more publicly because it's so hard to get through to someone or some system at HSBC directly to complain. So frustrated with trying to get through on the phone - been cut-off about 12 times already either early on in the process of jumping through the billion ridiculous hoops just to get to speak to someone or while speaking to someone after waiting about 20minutes in the queue just to hear a genuine human voice. ... Would have been happy to discuss this directly with you HSBC but in spite of the many options you claim available to speak to someone it's just not that easy and I'm left feeling infuriated. Therefore, let me add my voice more publicly to warn anyone thinking of joining this useless bank to rather steer clear. If you are genuinely curious or seriously considering it, I'd recommend having a go at pulling out your own finger nails first.If you enjoy that experience, then this is the bank for you!