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HSBC Internet Banking
HSBC's internet site is very easy to use, and that extends to the HSBC internet banking service too. The helpdesk is only available from 8am to 10pm, but there's plenty of technical support available online. The visual design of the service is also top-drawer with everything about your account clearly and logically laid out.
The actual service, though, is less impressive than it might be, with viewing restricted to your last paper statement plus up to 90 transactions since. That means (unlikely but true) that you might not be able to look at a transaction you did yesterday. Payments and money transfers can be executed, scheduled or cancelled, and there are some other nice touches too: the facility to request the stopping of a cheque (at a fee of course) or to have a new PIN or PIN reminder sent to you. Since we've all needed those things, it's nice to see them available online. Similarly, you can obtain a summary of direct debits or change key personal details.
But all that is window-dressing- the HSBC internet banking service has no good financial management tools (although you can easily print or download to a spreadsheet), no sorting options and no way to put your money in bundles to save up for things. That's failing to use the internet to its best capacity.
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