Don't go near this bank - they don't answer emails and when they do because one complains then they clearly don't read the email properly and answer inappropriately. The CEO is as unconcerned about customers as are his staff so the problem is top down. I have had a narrow escape looking at all the reviews. Customers are not valued. A close family member works for HSBC and is desperate to get out such is the ethos of the company. They pay huge wages to incompetent people and rely on previous reputation however are finding it increasingly difficult to get good staff and are having to redirect services to China. No doubt this is increasing the problems further?