> But what sets the bank apart is their customer service, the people on the other side of the phone (or counter, those few times) are incredibly friendly and helpful (again, compared to, say HSBC).

They've started to follow a Singapore trend of limiting non-fraud phone customer support to between 8am and 12 midnight [1], which IMO is ridiculous and counts strongly against their "customer service".

I also thought that their counter staff tend to be overwhelmed and overworked, because DBS, as they bought over Singapore's post office bank [2], also acquired a lot of (now) elderly customers — I believe still a magnitude larger than other banks.

[1] https://www.dbs.com.sg/personal/bank-with-ease/contact-us

[2] https://en.wikipedia.org/wiki/POSB_Bank#Acquisition_by_DBS_B...