When the recession just started all I wanted was all my hard earned money out the bank of Scotland and transferred anywhere with the exception of Iceland. I went to the HSBC and spoke to an adviser and was so impressed by the patter they gave. I was advised to move to what was called HSBC Première this is a different section of the bank where you are given a personal manager to to take care of your funds and financial needs. The issues that l had with the HSBC was that every time that l went to use the card it got rejected, not through lack of funds but due to the bank thinking that purchases l was making was out of character, l would understand if l was trying to transfer money to Nigeria or gambling I would consider that out of character but all I was doing was a food shop. Their customer services number is a premium rate number and expensive to call with nearly all the customer service agents speaking hardly any English and so l kept asking them to repeat what they where trying to say, in the end l had to walk into the branch to sort it out. In the end the customer service & card issues made me move back to the Bank of Scotland. Question: would you recommend the HSBC Answer: A big No