HSBC Expat's "Premier" service is a joke. The online and phone support is useless, requiring outdated phone banking codes that are nearly impossible to retrieve. Even basic services like certifying my identity for a mortgage were refused, despite being a client for 20 years.It's ironic that they send out warnings about scams while they're basically a scam themselves with their investment products:1. Cash ISA: Rates dropped to near zero right after signing up.2. EUR Certificate: Received 0.5% interest but HSBC charged a 7% exchange rate fee.3. UK Certificate: They automatically rolled over my certificate into a new one with a 0% interest rate without my consent. This locked up my money for an entire year, preventing me from accessing it or moving it to a more profitable investment.4. CHF Account: For nearly a decade, they provided 0% interest on my savings. When I finally tried to move my funds, HSBC Expat (Jersey) claimed the account was "unclaimed" due to inactivity and now refuses to release my money. Despite endless calls, forms, and hoops to jump through, they keep stalling.My experience echoes other reviews, like one describing accounts being frozen for 17 months, with the bank providing no clear answers or resolution. They treat customers like criminals, with unfriendly and evasive behavior. This kind of conduct is outrageous and unacceptable, especially from a supposedly reputable bank. The practices of HSBC Expat (Jersey) border on fraudulent and are possibly illegal.If you're considering HSBC Expat, especially in Jersey, think twice. Their actions are a highly regulated financial scam or pure theft. Save yourself the headache and avoid them!
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