Serious issues with HSBC Australia regarding transparency, communication, security and integrity. I opened an account with HSBC earlier this year, via the Brisbane Branch. After many personal visits to the bank to sort out passwords, logging on difficulties, ATM cards that did not work and interminable security issues I decided to transfer some money to the UK. I test-transferred two identical amounts to the UK to find out that entirely different sums had been sent. When queried, HSBC alluded to charges by 'intermediary banks'. I dealt with 8-10 people on the phone, by email, by personal representation at the bank, all to zero avail. It was clear that HSBC had no intention of looking into this issue so I reported them to the Australian Financial Complaints Authority (and closed my HSBC account at the same time). Many months and countless emails later HSBC offered me a $50 Woolworths voucher - the 'bag of carrots' payoff, which I refused. More emails and eventually HSBC refunded by $35 and previous $40 transfer fees. Months and months of work to retrieve my $35, which HSBC stole. What a stupid bank.