I was inherited by the bank after UOB bought CITI bank premium branch. And this was a nightmare. The bank is in Malaysia, I am not. And the bank, in 2025 not able neither onboard me (they are deliberately reducing the remote capabilities of their clients month by month), they are not even able to communicate properly, as the system only allows their own e-mail, and of course, if I am not yet a client, I don't have one. Surely, I assumed, if the owner of the bank changes, this doesn't influence me, as a client. No so fast. I was blocked out from the accounts. I wasn't able to get hold of my finances. Even when after months of e-mails and calls I came to Malaysia to solve everything, it took me two visits to the country, two weeks apart, and during the first two weeks the bank wasn't able to re-open my accounts! Why? Because nobody gives a s..t. And the department is called: "Privileged banking" I got a cup of coffee, but not access to my money. For the second visit I came to the bank every day and was sitting in the branch for hours to make sure somebody is doing something on my case. Finally, I got my plastic card. In total it took over a year after the bank takeover, two trips overseas to get access to the accounts, hired a law firm, to get rid of Malaysia My Second Home programme hurdles, unblock the deposits. I think I was really lucky to be able to transfer the money out of the bank without a third visit to Malaysia. So, unless you are 90 years old and have no idea how the modern banks work, avoid the bank and choose something more online oriented and not so archaic.
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