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Review of the HSBC, Bank account:

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A reliable but sparkless relationship...

...which is why I'm strongly considering a divorce from HSBC. I've been with HSBC since I was a child (obviously not out of choice) and have stayed with them until the present day, my early adult life. It's not that HSBC are bad but in today's market, with all the offers of cashback and shopping voucher, I expect more from being a customer, particularly a loyal one. The few benefits there are involve paying in regular monthly amounts which isn't suitable for someone in my circumstances. In-branch customer service is fine and in my branch at least, there are an array of self-service machines. The call/contact centre people are helpful...once you get through to them, I've never had a current account with anyone other than HSBC so can't say how the waiting times compare but I'd be surprised if HSBC ranked highly. The call centre is foreign based which can be sometimes frustrating when after waiting a while on the phone, simply deciphering the accent takes up more of your time but like I said, the staff's professionalism isn't in question. Security is good. Suspicious transactions are blocked and security procedures are followed in-branch and over the phone. You require a telephone security number for the call centre to do anything useful. New debit cards are despatched promptly. I've not used online banking with HSBC but it's also not something they take a half-hearted approach to. My personal opinion is it's too convoluted, what with having to receive a keypad through the post and whatnot but I assume others appreciate it. In summary, HSBC provides an adequate basic current account but it's nothing special. I'd recommend looking around for a provider who might demonstrate their appreciation of you a bit more. Reviewed on: 4th December 2015

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