One star is too much to rate this worthless bank. I live in China and travel around the world quite often, so I have accounts on Mainland China, Hong Kong, the US and France. HSBC France is by far THE WORST BANK I've ever come across, even compared to Bank of America, Bank of China, Deutsche Bank and Stadtsparkasse München, where I've had accounts too. The only reason I still use them it's because there is no other branch on Continental Europe. The genius that opened my account "forgot" to tell me that you can't do ANYTHING without a secure key, so when I moved to China and tried to change my address of course I couldn't. I called the branch and they told me the only way to do this is to send a FAX (who on earth has a fax nowadays?!) with my passport and an utility bill with my name on it, but it just so happens that utility bills in China HAVE NO NAMES. I tried to explain this to the great people of my branch (which manages EVERYTHING, so I can't call outside of their business hours) and they told me I need to GO TO THE CONSULATE to get a certificate of residence, THE FREAKING CONSULATE JUST TO CHANGE MY ADDRESS!!!!!!!!! Also, for their online banking you can't even choose your own name, you HAVE to use a ridiculous ID that they give you printed on a card, so if you're traveling, and didn't bring the worthless card (not an ATM card, they cost a lot of money), then you can't log in to your account. I'm a Premier customer, and I hate HSBC France, but you can't even call them to scold them, because they will get all worked up and scold you back for being outraged by their horrible service and RIDICULOUS POLICIES, they even tried to tell me it's an EU requirement, which is total BS. DON'T OPEN AN ACCOUNT WITH HSBC FRANCE, DO IT IN HSBC MALTA OR HSBC GREECE. read more