I really wish i could give 0 stars i really do. i have written up some negative feedback in my time, but this one is going to be one of the worst. HSBC Singapore really REALLY need to get their act together. their "premier" service sucks. i cant even get past phone verification despite being told twice its my phone number which does not work. now i have to setup an egiro manually, then run a transaction verification, only for a screen to appear after telling me this service is unavailable, please try later. i tried 2 hours later and still the same error. But its ok, because customer service told me there is no problem with the portal. then coming back to me 30 minutes later telling me there is a problem with the portal. I am going to be changing banks today over to UBS. HSBC are shockingly inept!