We already hated HSBC, after numerous stuff ups during the building of our new home where forms were not being signed and money not being released to our builder but feel we are stuck for now and so we are trying to make the best of it. My husband who runs a small business has been told that we can't have a business account because we don't earn over $1000,000. We had to go to a different bank and open one with them and transfer money over to our spending account with HSBC. We have just found out that after fixing our interest rate that we are now no longer able to transfer money straight into the loan account. Unless it is a scheduled payment we have to physically go into the bank or fill out forms at home with our signature and email them to the bank.