Opened up an account here because threshold to be premier is lower than in other countries (those where I can be sure my deposits are safe anyway... looking at you Turkey). I essentially only use this to earn guaranteed fixed income so I can't review other investments or credit cards.The process to open was painfully slow; partly my fault for not having the right documents but also theirs. A few days after application I think I got an email, saying that they need to interview me and the earliest slot was over two weeks away. The call itself was about 30 min long and was essentially all about me reciting my work history and how much I earned at each job. Unfortunately the call quality was subpar so I had to ask the staff to repeat themselves many times. Be aware that they call the number you specified in your application from Jersey and may incur international call charges. From application to receiving acceptance email it took a total of 6 weeks. Then an additional 3 weeks to receive the physical secure key to gain access to my account (no phone apps for me).Once inside the system works well, I can purchase fixed term deposits with ease and earn passive income. Chat support is not bad, RM took a while to respond though.Funding most of the time was fee-free (in USD) but seems like for larger deposits (>10k I guess) HSBC US intermediary takes a small cut, probably due to extra money laundering checks so be aware.Overall not bad, just sign up takes forever due to all the regulation they have to deal with.
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