Terrible Bank, customer service is really non-existent from the caller centres. Service in the local branch is very good they are let good in a big way by the a caller centre. Call Centre staff are far from helpful, indeed I would say they are obstructive. I have POA on my Mother's account and I have had nothing but grief from the call centre staff. They are so bad they take it to a new level. My wife (who also has POA) was scammed by a company claim to be BT using my Mother's Visa card by bad luck we were sorting out my Mother's BT account. HSBC call centre refused to stop the payment leaving the account, I spoke to a supervisor who was as useful as Chocolate fireplace, he too refused to stop the payment even though it had not left the account. So HSBC are funding criminals by there rules. Although my Mother has banked with HSBC (Midland Bank) since 1947 I will be taking her business elsewhere, I don't want another conversation with their call centre.