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> If I buy something on my card it takes at least three days before it is listed in the HSBC mobile app or web site.

That's actually the case for my HSBC UK account too. It's impossible to know accurately what the balance of it really is at any time too; both the real balance and the available balance fluctuate wildly with no obvious relation to the transactions, which are delayed by a variable 1-3 days (presumably depending on the type of transaction). They seem to be about ten years behind all the startup banks.

It seems to be a thing for all the incumbent UK banks I've tried. CYBG/B (now the second incarnation of Virgin), Lloyds, Halifax, NatWest -- all have that 3-day delay.

Instant update was the killer feature that swung me to Starling. Well, that and Natwest calling some random guy (who later found me to tell me what happened) for a sales call, only to give him the transaction data for my last five transactions....!

(obFD: no pecuniary interest, just a happy customer)

Ex-HSBC customer in France here. It was one of the worst banking experiences possible - incredibly expensive debit cards with very low ceilings, etc.

The "plus" that you mention, having a dedicated account guru can swing both ways: mine left my local branch for another branch 10km away, and I would not perform any significant operation without their presence.. which was no longer in the branch.

Boursorama or N26.

Do you know anything about Hello Bank ?

I looked at it and got the impression that it was BNP's low cost product, aimed at a younger audience, perhaps with no banking record.

I use Boursorama Bank in France and they're pretty good. Setting up the a/c and transferring over from HSBC FR was relatively painless, though they dropped a few of the direct debit mandates that I had to recreate manually. I think the account is free as long as you actually use it actively.

um - why hasn't anyone mentioned www.transferwise.com/borderless yet ?

Orange Bank is another option in France which is free for basic current account activities, although they don't offer Livret etc.

The best way to do this in France seems to be to keep a "legacy" bank just for handling savings without a current account (that way you don't pay for current account, card etc.), and use one of the free challenger banks for current account, direct debits etc.

If you've substantial sums sitting in your accounts, your French HSBC relationship manager will eventually start calling you to sell their investment products. Actively managed investment funds that enrich the fund manager at your expense. French Livret accounts, however, are a good use of deposit funds, but everything else sold by the bank is to be avoided.

On another note, I had my ING Luxembourg account (6 figures on deposit) closed by them because, in their own words over the telephone, "I wasn't buying any of their products". They'd call me every few months trying to persuade me to invest in high charge, managed investment products, which I always declined. I explained that I was keeping the money on deposit to pay for my dad's Alzheimer care, but they just sent me a registered letter telling me to take my business elsewhere. I'm sure this breached some banking regulation, but I hadn't the energy to fight it.

> Hell I couldn't even get my card and cheque book (...) delivered to my address as it was a temporary one so I had to collect it from my branch in person.

Of course! Doing manual pickups with proper ID checks avoids a lot of problems.

My bank will only send stuff to my 'official' address that I have registered with the tax authorities. If I want a OTP-dongle or debit card in some other way, I can pick them up in a branch of my choosing.

I see this as being safe, not as being inflexible or old-fashioned.

I understand the why but when moving country I would have thought (hoped?) they would have some sort of more flexible process. We had to go back to see our account manager no less than 5 times in the first two weeks of having our HSBC account to collect different items. We couldn't get the card and PIN at the same time for "security" so had to get the PIN first, then the card two days later?!

I fully understand their need to protect against mail interception and fraud but I think there are better solutions than getting me to go all the way into the centre (about half an hour of my time each way on public transport) to pick up a cheque book is a little extreme.

Funny thing with the OTP generator. They posted that to us! FFS you can't make it up!

It sounds like Bunq would be right up your alley.