H.s.b.c, what a joke....in branch service average no better or worse than any other bank....staff are helpful when you can manage to get to speak to someone,tried on MANY MANY occasions to speak to there customer service team with an average waiting time of no less than 25 minutes if your very lucky but 9 times out of 10 just given up through frustration of endless waiting awful music and when and if you are lucky enough to get through people don't return your calls as arranged with any follow up info.......so in reality only worth 3% out of ten and thats being generous as in branch staff are slightly more helpful....its not like this mass corporation are being intrusted with the every day mans finances,you would expect a lot more from a multi million pound corporation but when you can't evan get to speak to someone in less that 25 minutes when you need there advice you have to wonder weather its time to move banks to 1 of the other unless providers...POOR POOR POOR