Ive opened bank acounts the world over...HSBC UK is without doubt the worst banking experience i have had ever. 'Safeguard' means they want you to send personally identifiable financial information via mail most of which is none of their business. If you dont comply they lock all of your accounts. Despite having given the legally required information at least three times. Meanwhile your credit cards all work yet paying them back within the app is all blocked so they can accumulate fees and interest. Their app and online services are apalling. Its time the regulator did something about this bucket shop.