I wish there was the option to click on 0 or minus stars. I cannot begin to describe the bad experience I have had with this bank since my husband passed away in 2017. My husband and I were customers of this bank for over 40 years since it was Midland Bank. We worked until we were in our 70's, our wages credited to Midland and then HSBC, since retirement our pensions (both private and state) went into our HSBC account. After my husband passed away my account was almost immediately frozen and I could not access any money, I have had nothing but problems since with HSBC. I don't have the time to write all of my issues but my latest problem is that they WILL NOT allow me access to my accounts or MY money! I'm hard of hearing so my daughter assists me with telephone calls, HSBC have always allowed my daughter to speak to them as long as I give a few security details and my consent. I transferred a substantial amount to my account around a month ago, they will not allow me access to this money or access to transfer this money. I telephoned HSBC and they first said that I should attend branch, an 82 year old lady with health issues in the peak of lock down. It was then decided that I would receive a security code by post (which I never received). We telephoned again to be told that there was a restriction on my online and telephone banking and no access would be authorised to my account or MY MONEY unless I attend branch, again I reiterate I'm an 82 year old lady with health issues in the peak of lock down. HSBC YOU ARE A DISGRACE! You should at least allow me to authorise my daughter to attend branch or find another way around this, I have been sat at home in tears over this, I feel that you are stealing my money from me. After over 40 years of banking with HSBC I am taking my account elsewhere, I will be closing my account effective immediately and I will NEVER recommend you to ANYONE! ABSOLUTE DISGRACE TO BANKING!!!