HSBC just proved to be the worst bank I have ever had to deal with. Firstly I opened an account with then and a couple of days later I get defrauded of the entire overdraft in that account. And they tell me the fraud was done on my online banking. Clearly my details had been leaked somehow! At that point I’m only 2 weeks in the country, just started a job and getting wages paid into that account. The account was blocked pending investigation after the money was replaced. I had weeks of going back and fourth to the Newcastle-under-Lyme Branch trying to make withdrawals (more like begging for my money) some of it said to be diverted to their central bank account! Next thing they send me a letter that they are closing my accounts, no reason given. Blessing in disguise really. I’m sure there is better banks out there.