Dreadful experience over the years, recently cards blocked as we were trying to pay our builder for services. Intrusive questions asked. They asked me to visit a branch as they refused to identify me over the phone! My husband had similar experience, was trying to access his isa s and later that day his card was blocked and was asked to visit a branch for second time.....! Dreadful and very stressful experience, after over 20 years with them just want to leave as soon as possible. they treat people appallingly and do not communicate... Once card was blocked and could not pay for petrol...they are poor at communicating....yes definitely time to go for all three of us, including my child with his sizable kiddie isa.