HSBC has been a major disappointment. I have an account from when I lived in the UK before moving to Canada. My account keeps locking me out even though I have been to the branch and gave all the information they wanted!!! They keep saying that international tax laws require information. That is fine but why do you keep getting confused about where I live and pay taxes??? How little does it take to confuse a huge multinational??? If you cannot figure out a normal person's account with small AND legal activity; how do expect people to trust your ability to do anything. It is extremely frustrating to be busy with work and having to sort out stupidity of your system across continents. Extremely disappointed and would never recommend you as a bank and would actively speak out against your INCORRECT slogan. Horrible and I think you would get zero stars if that was possible.