Online banking on my laptop is a nightmare, I have to get a token from my mobile app every time I want to access my own bank account using my own laptop. So clumsy and totally not needed - I've got another account with Halifax, I just go in, type in my user and password and I'm in. I think HSBC are doing everything in their hands to make online banking difficult, heavy, long and terrible. This is while they're shutting down branches. Horrid way of treating customers, not to mention the nightmare for older customers who barely understand their way around a mobile and a computer.