As an addendum to my previous reply on the DBS's abysmal UX, I will echo the point made here that once you get to talk to someone, it's generally fine. I've had some great service when I could get through to a human, but they're making it increasingly difficult to do so as they're going all digital. Many branches have closed, and even the higher-end Treasures locations are now down to just two I think (a major mistake IMO especially as you target the wealthier). Navigating their phone support. takes. a. lot. of. patience.

I also agree that other banks can be a lot worse, and HSBC in particularly has been abysmal.

(edited for grammar)