I had an extremely disappointing experience with HSBC Expat. My account was suddenly locked without prior notice, leaving me unable to access my own funds.Despite submitting all requested documentation and the unclaimed funds form promptly, I waited over a month with almost no communication or status updates. Emails went unanswered for weeks, and I received no clear explanation of what was happening.After repeated follow-ups, I finally raised a formal complaint and notified the Channel Islands Financial Ombudsman (CIFO) — only then did HSBC act and return my money almost immediately.While I’m relieved the issue was finally resolved, it should not have taken an ombudsman escalation to trigger action. For a global bank catering to expats, the lack of transparency, responsiveness, and accountability was unacceptable.Based on this experience, I would not recommend HSBC Expat to anyone needing dependable banking or timely support. I have since moved to Wise, which has been far more transparent, efficient, and customer-friendly.
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