In the old days (whenever they were) banking was easy. You just went down the street to your local branch where they greeted you by name because you knew them like you knew the butcher, baker and greengrocer. You conducted your business face to face with the cashier and if there were any problems you spoke to the manager who had the power to make any decisions. That was then. Welcome to the twenty-first century, grandma. Like most financial institutions HSBC has an online banking system and, while I can't claim to have used all the others, HSBC's personal online banking is certainly the best I've seen. It's quite simple to use. You log in at HSBC.co.uk with your user number (which they supply you with) and a password that you can pick yourself. Then you have to enter a special code that's generated by a keyring that they give you before you can access your accounts. The Secure Key is a little plastic keypad, around the size and shape of a credit card but a bit thicker. You type your own six digit number into this pad and it displays a totally different number on a little screen. You then type that number into your computer. It sounds like a bit of a faff but it's quite simple once you get used to it and it makes for a very safe system. You're then presented with a screen showing all your accounts and credit cards (either solo or joint accounts). For each of these accounts you can view recent transactions or previous statements, transfer money between your accounts or to other people's, pay bills or set up recurring direct debits. It's a very simple yet comprehensive service and very intuitive. The simple introduction screen not only shows all your accounts and cards but also any pensions, loans, mortgages or insurance policies that you might hold with HSBC. You can click on any of these to access details and make changes to them should you wish. You can even, should you have any, do your share trading from this same screen as it links to the bank's Invest Direct system. You can buy or sell shares through this without ever having to fill in or post off any share certificates or forms. All the trading is done electronically. All of these services are linked together into one totally integrated system. Unlike many other companies where the left hand doesn't know what the right hand is doing, HSBC seem to have got this system all joined up. So I'd say that the personal banking at HSBC.co.uk is excellent. But what about their business banking system? Given how much I've praised HSBC's personal online banking service it's only fair that I tell you how awful their business banking is by comparison. Business users again gain access via the HSBC.co.uk website but they have a different kind of logon screen. On this you just enter your user name (which can be anything that you pick) and password (which again is your choice) and then just hit a button on another keyring. This one is a simple oval piece of plastic with just one button on it. You press this button and it displays a six digit number which you then type into the screen for access. Why this process is different for business or personal users I don't know but it's the first of many differences - and in almost all of them, the personal system is far better. Once you're in you are presented with a list of accounts just like the personal banking screen but it's all just a little clumsier, a little less intuitive. Paying a credit card for example is not just a case of selecting what account you want to pay off (as it is in the personal version). You have to select which card, then which user of that card. I only have one business card but that's not taken into account. Each time I want to pay it I have to select my single card from a list of one! And just because I've paid that card's balance the total balance of all my (one) credit cards isn't automatically updated until later. When you click on a particular account on the personal banking list you get to see all the recent transactions for that account. Excellent, that's just what I'd expect. But doing the same thing on the business section takes me to a screen showing basic details like the account name and number, asking if I want to change any of my details. I have to go through this to another screen if I want to see any of the financial transactions or actually do any internet banking - which would be the reason that I'd logged on in the first place. It's as if the people who wrote the personal internet banking system had asked real customers how they wanted to use the system and written it around those replies while the business banking programmers have written what they think business customers want without actually seeing their system in use. It's clunky and seems that you need to click through far more screens than you should to get to do the things that you want. So all in all I'm giving HSBC's online banking system three stars out of five. That's five out of five for the personal banking side and two out of five for the business half of the site. If only the two sets of people who'd created the site had talked to each other...
I've banked with HSBC since I was 16 and opened my first bank account, and I'm not sure how long they've had the facility to bank online, but I only discovered it a few years ago. I never really used to worry about how much money was coming in or out of my account, but due to the current state of the economy, everyone is being more careful with their money and trying to take control of their finances. I find the HSBC online banking website very user-friendly, and it's possible to do everything in one place so you can have complete control over your finances. When you register for online banking you get a card with an individual number which allows you to log on. This number is quite long but I use it so often I remember it off the top of my head now. If you didn't have a great memory though you'd have to carry this card round so you had the number with you for when you wanted to access online banking. You use this unique number to access your account, and then you have to answer a couple of security questions. This used to be your date of birth and then some digits from a pre-set security code of your choice, but HSBC have just released their Secure Key software, so it's slightly different. You now have to answer one question (which you've chosen so you won't forget the answer, eg mother's maiden name, name of first pet and so on), and then you have to type in a code from your Secure Key. The Secure Key software is a small keypad (about 2 cm x 1 cm in size and very thin) which is small enough to carry with you without getting in the way. You enter a security code (again, one that you've chosen) into the Secure key, and it gives you a code back to type into the website. This just enhances security, and makes you feel more confident when using the site. I have accessed online banking from home and at work, and have never (touch wood) had problems with hacking or cloning of details. I feel very confident using the site because of the number of security questions they ask, especially with the new secure key. The site itself is very user-friendly and it lists all the accounts you have with HSBC, and allows you to view the statements (including previous ones), transfer money to people, manage your standing orders, stop cheques, change your statement delivery method, and amend your overdraft. You can also update your personal information online, which is useful if you're moving house because it's one less letter to write. There is also the facility to apply for other HSBC services such as credit cards, loans, and car/home insurance. I have never used this facility online, but think it's a good idea to have everything in one place as it just makes life easier. The only thing I have found with HSBC online banking is that if you set up a new beneficiary they don't provide a service whereby they ask you to verify them. For example, I know that some of the banks send a text to let you know a new payee has been set up, this is just in case anyone has hacked into your account. But I guess the overall level of security is higher with HSBC due to the secure key facility. Overall I think the HSBC website is easy to use, secure and a very good way of keeping on top of your finances. I haven't had any problems with it (apart from once when I forgot my password but I phoned the helpdesk and they resolved it very quickly), and I wouldn't hesitate to recommend it to anyone.
Being a customer of HSBC I use HSBC.co.uk daily to use their internet banking services and to check on any news updates that may affect my account. The website is mainly red and white, which are the colors of the HSBC logo, and the site is set out in a way that makes it very user friendly for any level of internet user. If you do use the online banking, this is very simple to use, with an easy log in process that still manages to be very secure, without being confusing or timely. The internet banking display is very laid out, and all main information like accounts and balances can be seen straight from log in, with any other information you need easily accessible. If you are not already a customer of HSBC, or if you are and are looking to use other services from the bank, there is the opportunity for this on the website. There is all the information about each of the services and products that the bank provides, and for most of these you can also apply online for one of these products or services after reading all the information you need. You can also request some information you need to be sent to you at your home address in any format you require, braille, large print, or in another language. I think this is a great site to use, it is very easy to use and all is made simple so anyone can use it. I recommend this site to every one, for all the reasons stated above, and for the fact that I just can not fault this website for anything at all.
HSBC is currently the world's largest banking group and is the worlds 6th largest company according to the Forbes magazine.I have been banking with HSBC for a while now but have only recently got into internet banking and using the services offered by it. I have to say it is pretty useful and can save you time and extra effort. I have only used the personal internet banking option on the HSBC UK website but there are options for business users and other services such as for mortgages and car insurance. In order to use the site you will of course have to have a HSBC account which you have with a branch. You will then have to get yourself an Internet Banking ID which is in the format of IB then some numbers. You will also need to have a security code which you will have to choose when you set up internet banking. You have to enter different numbers on the security code each time you log in as well as date of birth. Once you have done this you can view your accounts and also make payments and carry out other services. I do feel petty safe and secure using the site and it does ask for codes and details and before you set up you do need to get verified. They also have introduced a new program called Rapport which is used with internet banking sites and others to prevent criminals accessing your account/s. The program is called Trusteer Rapport and it locks down your browser once you connect to a sensitive website such as your bank. Any malicious software that tries to run on the browser is not allowed by the program. It adds an added sense of security to your online banking and anything that does this is certainly useful with cases of fraud rising on the Internet with new more sophisticated forms of software designed to commit fraudulent activities on people's accounts. The site itself has a layout which is easy to navigate around. You can find what you want quite easily and most people will use the personal internet banking option which is easy to use even for newcomers. At the top of the page are tabs and links to take you to the different sections and services such as loans, current accounts, savings etc. On the right side towards the top you can log in to your personal and/or business accounts. Towards the middle are links to information about the other services such as credit cards, car insurance and personal loans. Overall it is a site which is pretty easy to use and navigate even for an amateur and it feels safe to use. If you are with HSBC then I would probably recommend signing up for Internet Banking with them if you haven't already done so.
I have banked now with HSBC for about 6 or 7 years. At first I just had the account in the bank itself but after a while they asked me if I wanted to use the online banking system and I am really glad I did. It is so easy to use. You are given an indentity number which you use to log on and then you have to put in your date of birth and then 3 digits from your security number and you're in. You can check your statement and opt to just have statements online instead of them sending you paper ones any more. It is easy enough to check back over your statements for what ever month you want and you can print them out on your printer if you need a hard copy of one. It is also easy to set up a payment to another person. I use this a lot for paying money into my OH's bank or my daughters and you can write on the payment what it is for so they can check back and see on their statement. This is really handy for my daughter as I pay her pocket money this way and she cant say I have not given it to her. I wanted to open a savers account as well as my current account and they have one with HSBC where it is only accessable online so if you go to the cash machine you cant get money out but you can easily transfer money between the two accounts while online. If you dont draw any money out of the savings account for whatever month it is then they give you a bit extra interest which isnt a lot at the moment but it all helps. I have never had any problems with HSBC either as a normal bank or online. I do not go over drawn if I can help it and dont have an overdraft so not sure how they go about this side of banking. I do have a debit card which is Visa and also have a chequebook although I use this less and less these days. I have had to ring them up occasionally and found that I get through to someone quite easily, you do need to put in your account number and sort code and some other security check numbers but once you have done this you are not hanging on the phone for ages. I would recommend HSBC bank to anyone who wants a bank account that is easy to access online.
I became a customer of HSBC when I was about 13, and then once I had left school and enetered my working years they upgraded me to the adults account. We do have a branch on our local highstreet but this tends to be very busy at lunch times and being a very small branch it closes at 12 o'clock meaning I cannot go up after work.It was then that I decided to take up internet banking and the process is very easy and I continue to use it daily to keep up with my finances. Each customer has their own personal internet banking number (IB number) which you enter upon the first page of the website. This will then lead you to your security questions page which asks you for your date of birth and then three random digits of your 6 digit security number. This security number is chosen by you on the sign up stages and it is very important to have anumber which you will remember, but this cannot be your date of birth. The log in stages do feel very secure and I have never had a problem. Once logged in, your accounts will be displayed with the account numbers, account names and the total balance. To take a look more in depth at the accounts just click on it and you will see all your incomings and outgoings. I am a member of internet banking with another highstreet bank and HSBC has a far better system, for example the running balance is always up to date so you know where you are with your money, and it is so easy to set up standing orders and amend direct debits online. I have a couple of savings accounts with HSBC and all the accounts are displayed as soon as I log in, giving me quick and easy access to transfer money, or simply get the details of these accounts. I also have a credit card with HSBC and a joint account with my boyfriend and both are grouped in with my savings and current account as soon as I log in so I can view them all which is a very handy feature. Also, the process of paying a bill or paying a person is very simple. Just have their account details to hand, enter the amount you wish to pay and when, and click confirm. It will then be automatically debited from your account at the chosen time you have selected to pay. Overall, I think HSBC are ok as far as banking services go, but I'd give their online service 4/5 stars. Minus one star simply because very occasionally there may be site maintenance going on which can mess up you log in, meaning you have to try 2-3 times but this is rare. 4/5 for HSBC internet banking.
I first joined the HSBC at 16. I opened my first current account & have been with them ever since. As a bank I have always found them pretty helpful & good to me so I have had a variety of products from them including loans & a credit card. Enough about the bank as this is for the website. The Home Page is easy to navigate with lots of different product groups at the top for you to look at & get further information on such as Mortgages, Loans & Savings. There is also an option on the right hand side for business & personal banking users to access their online banking. The site itself is pretty easy to you & you can get quotes on lots of different financial products pretty easily. I do regularly use the personal banking section. To access it you need a an Internet Banking account number & then you will enter some other information to access your details. All the items that you hold with the HSBC will be brought up. Loans, Credit Cards, Bank Accounts. The Lot. You can move money around simply & easily between your accounts & the system works simply & effectively. If you have an account with the HSBC or are considering any of their products, I would have no problem recommending their website. I can't think of any improvements I'd like to make.
I have been with HSBC since I was 16 and needed a new bank account in order to put my new wages into. i remember my dad going with me to the bank, showing my identification documents and filling out the relevant forms to do so. I felt really grown up having a job AND my own bank account. From the age of 16, I have been putting my wages into my main bank account, which after joining many different banks, HSBC has remained as primary. This is mainly because of how useful I find them and the things I am and not allowed to do with them. When I first joined then I had a solo card, which wouldnt allow me to do alot but when I was 16, it was more than enough. My money would go directly into my bank account and I could draw money out or simply use my card in most places (at the time). Solo is getting less and less accepted these days. Now, my Solo is a Visa Debit card now that HSBC has decided to change their supplier. I prefer having a Visa Debit to a solo, I feel that I can do more with it and its a little prettier than the matt grey colour. Instead its a slightly glistened grey. I use telephone banking and online banking aswell as the normal in-store banking. When I have no access to the internet, telephone banking seems to do its job pretty well, but its just not as quick. Through all the methods of banking I use, I can check my current available balance, see if there are any outstanding debits due, any outstanding credits, transfer money between my accounts and other bank accounts and pay bills. What I particularly like about the online banking is the convenience of it all. Not having to talk to anyone, wait for anyone, rely on anyone.. just me and my computer. However if you do need to ask a question or notice that something is wrong, you would probably have to pick up the telephone or sometimes even go to your local branch. I have 3 branches in my local area, all within about 10-15 minutes away from my home, so I have a good choice when it comes to going to my local HSBC bank. I prefer the one with the free parking outside of course. In general, I am really happy with the service I receive from HSBC and will continue using them as my primary bank account until they do something damaging to my funds. Overall, a good bank!
hsbc.co.uk is great for banking. You can log onto the system and view you account for personal banking and also view business banking if you are registered for the service. I currently have bothe uses from the site with Personnal and Business log ons, I used to be able to access both of my accounts via a 10 digit IB number but this has now changed as the security for the sites is so much better. Personal internet banking - with this service you log on via an IB number then it will ask you for your personal details. I find the service very good as it is 24hr access 7 days a week and updates instantly. Within the service you can view balances, transactions, make payments uk and worldwide and make transfers between accounts. You can even now apply for HSBC products and services online instead of ringing the call centres which I find a lot easier and faster by using the touch of a button. Business Internet Banking - The log on for this service is slightly different as you will log into your account via a security device and personal details. The security device generates a sequence of numbers and you need to input these. The amazing thing is every time you press the device you have different numbers appearing which makes the site ever so secure and no numbers are the same twice. The service itself in my opinion is not as good as the Personal internet banking service but seems to be more secure. The functionality is simular but there are certain things you cant do such as delete bill payments and until recently you could only go back 2 - 6 months on transactions, the statement have now changed to be viewed for a longer period of time. The service is improving but is not so efficient as the personal banking system but I am sure HSBC has its reasons for this. The two sites are really beneficial but I have to say the personal banking site wins this one.
I have been using Internet banking with HSBC for about two years now and it hasn't once been daunting. The log-in process can seem long-winded and at times frustrating. You have to put in your IB number, then wait for the next page to load, then put in your birth date and random digits of your password (as instructed), then wait for the next page to load. However, the level of security is reassuring. What can be annoying is if there is an error and you are thrown out, which rarely happens. Once you are logged in, everything is minimalistic and clearly laid out. You can see your balance and available balance, and click on the account for more details on your purchases. HSBC helps you do your bit for the environment because I no longer have statements. You also don't have to file them away and search through them because you have it all at your fingertips. On the side, it shows you if you have any messages and there are options for setting up extra security for online purchases, etc. Additionally useful is the ability to view any direct debits you have and how much money they have withdrawn, and the ability to transfer money to other bank accounts.
Review on hsbc.co.uk Online Banking Having had HSBC as my main bank for a while, I decided to sign up with online banking to try and keep track of my finances. I rang up HSBC, and after a couple of automated messages, pressing numbers on my phone keypad and being put on hold briefly, I got through to somebody who could help me. The man was very useful, took a few details and I was set up and logged into my account ONLINE in about 10 minutes after i dialled the HSBC phone number. To access the online banking, you simply go to hsbc.co.uk and click on the box thats says 'log on' in the red box on the right hand side of the homepage. I clicked on personal, which is what my review is based on. This brings you to the internet banking page which is well set out and easy to use. Where it says welcome, you need to enter your internet banking user ID before proceeding and pressing log on. Should you have a problem with logging in, you can click on 'forgotten ID' or 'contact HSBC'. I have found through past experience that should you have a problem, HSBC require you to ring them up, only so that security is maximised. However, if you ring during busy periods, you could be on hold a while. But look at it this way, you'd rather waiting 10 minutes, than being a victim of identity fraud because you bank 'wasn't bothered'. Once you have successfully entered you internet banking ID, you are the required to enter your date of birth, followed by 3 numbers from your security code. For example, they could ask for your, 2nd, 4th and last digit of your security number. I think this is a brilliant way to maximise security. If you create a security number that has no association with you at all, then it is secure. I've had my security number number over a year and still don't know it off by heart. I have a old, scrap bit of paper with it written on. This is the only potential problem with the security. If somebody was to access this number they could be on their way to accessing my account. However, I don't leave it on show for people to access and leave it in a secure place. If you know other people could access your number if you write it down, i would recommend spending 10 minutes learning it by heart and destroying the bit of paper! Once logged in, the screen shows you your account(s) with details of the account type, the account holders name(s), account number, balance and quick links, including 'make a payment', 'transfer money' and 'activate new card'. When you click on your account, it lists the most recent transactions, and a cumulative running balance dependent on balances going in and coming out. I tend to find there is always a delay of around 3 days, but that is expected as each transaction is registered and verified by the bank. Sending money to other HSBC accounts and other accounts is very easy. You simply pop in the payee's name, bank account numbers and the option of paying immediately or delaying payment for a certain date, which I must say is simple to use and very quick to do. I am very pleased I signed up to internet banking as I now do the majority of my banking online and find it quicker and easier than doing it over the phone or in branch. Not to forget that you can also turn off paper statements in your options, so you are saving the planet, as long as your turn your monitor off standby when you're finished using it!!
The online side of Hsbc is very secure and you will need to remember your security questions and number in order to sign up to online banking. When you log in you need your Internet banking user ID along with your security number plus date of birth. I think this method from Hsbc is very good as it keeps its banker very safe online. The more security the more better for us customers to use online. In the full year of using online banking with Hsbc there has been less problems for me. I normally notice the statements are updated the next day in the morning. The available balance in the only concern for me online with the balance not being up to date straight away it is always updated later on in the day or the next following day. Banking online with Hsbc has been safe with me and when you do not be active on the site for 5 minutes it logs you out. All the security methods on the site have been so safe for me it does impress me at the highest standard. Another headache common to bankers is canceling a direct debit. I had the chance of having that head ache cut online as all you had to do is cancel it online. Hsbc has a full list of all the direct debits you have it just makes your life a lot easier by canceling all the direct debits online. There has been no hassle for me at all online with Hsbc much in fact they have been fantastic. It saves me time by checking my balances online and sorting my banking matters online and its all safe to!
Just to be clear here, I am reviewing the online banking side of HSBC, as opposed to the actual bank itself. I make this distinction as I don't want this review to be about HSBC deals, promotions or offers. These will change frequently anyway. I have held a current and savings account with HSBC for over twenty years now. There is only one thing that is stopping me switching to another bank for the latest cash incentive and other lucrative new customer offers. No it is not some misguided sense of loyalty. For I know that my bank are in no way loyal to me, otherwise they would not have slashed the interest rate on my accounts to virtually zero (even before the credit crunch). No, the only reason that I am reluctant to leave my bank is because I find their online banking really good. I hate to admit it but it is one of the most reliable and easy to navigate websites I have ever visited. The current website is adaption of the original online service which I took up several years ago. The first offering came with a CD which contained the program or interface for the banking service. If memory serves me right you had to use the CD to access the service. Then you could make the internet connection (through dial up). Each CD had to be tailor made for each customer, which gave the then acceptable level of security. Now of course everything is done online and slightly different. The website can be found at www.hsbc.co.uk. Here you have the main home page for all the UK operations. The main heading tabs are Personal and Business banking. You will be struck straight away how much the colour red dominates the website. It is perhaps for this reason that the rest of the colour schemes are kept simple, with only the use of dark grey for text and a simple white background being the norm. I am not going to dwell on the use of Business banking as I do not use this facility. But under personal banking there are many options which include: Financial Planning HSBC Premier HSBC Plus Current Accounts Savings Investments Credit Cards Loans Mortgages Insurances International The above are all very interesting but most will click straight to a separate tab underneath labelled Internet banking log in. From here and you are taken to the interface that I use everyday to log in and monitor my accounts. So what is the log in process like? Well, fairly straight forward really. You have to enter a unique customer internet banking code made up of 10 digits preceded with the IB for Internet Banking. This is provided for you when you set up your account. The second security requirement is your date of birth and the third is another 6 digit pass code. Instead of being asked for all 6 digits though you are asked for just 3, on a random basis. I have found over the years that I can rattle through this process very quickly although still feel that the level of security is adequate without being over the top. Generally the topic of online security is something becoming more and more of an issue to us all. I have not had any issues with this site (apart from the odd fake email that occasionally slips through my spam filter). Once logged and I am presented with my account summary page, where I can view both my account balances as a headline. By clicking on an individual account and a full break down of transactions is revealed. I find the layout very readable and simple. There is a list of further options down the side including access to your direct debits and standing orders, money transfer, making payments, amending your overdraft, etc. You can look through previous statements with a few clicks, which appear to go back a full 6 years. Making payments to other cards or utility bills is simple and straight forward, as is setting up standing orders and direct debits. As with all the big banks now days you will also benefit from the instant (almost) transfer scheme. Of course transfers between HSBC bank accounts are instant. The message system is also simple and easy to use. On the few occasions that I have used this service to ask a question I have found the answer back within about 48 hours. This seems about the going rate I guess. While there is no one element of the HSBC online banking service that stands out as a talking point, the whole website does exactly what you want from it. Basically you can manage your financial affairs simply, quickly and efficiently without being bombarded (too much) with adverts and distractions. Yes they will promote things on the log in page, but once logged on you are left free to navigate the straight forward and easily readable site. So even though I am getting as near as dam it zero interest on my current account, and not much better on my savings account, I have to ask myself is any other bank really offering anything more?
I have held a account with HSBC since I was, oooh, 11 or so...? A long time anyway. When I went to Uni, I signed up with a few different banks to benefit from the student freebies, but hated dealing with any bank other than HSBC. I have since stayed loyal to this bank, & now hold several accounts with them. I signed up to the online banking service when it first started. Can't remember when that was - several years ago though! I've always thought it's a great service, but it wasn't until I signed up with Halifax online banking (for my mortgage) that I realised just how much better it is than others. The site itself is very modern looking, with splashes of the trademark HSBC 'red'. The homepage highlights any current offers, links to all their services, & provides options to log on to your personal or business accounts. Once you've logged onto your account (you'll need to register at the bank to receive an internet banking code) you can choose to look in further detail at each account held with the bank. Money can easily & more importantly, instantly, transferred betwen accounts; new accounts can be opened online & personal details can be updated. HSBC also score highly when transferring money to other banks & institutions - payments are again instant - I can access money in another account within 2 hours of transferring it, although with other banks this can take up to 5 business days. A new service also offered is that of being able to activate new cash/credit cards online. Much easier than calling the bank, & much cheaper than an 0845 number! I can't think of anything negative to say about the service. Perhaps that the online message service is a bit of a faff in that it takes far too many steps to read & delete messages, but it's a rather petty negative I have to say! Highly recommended!
I have been a member on HSBC online banking for quite a while now - so long that I can't remember! Probably at least 2 years, so I must admit I'm not hot on how long it takes them to send you all your login details but as far as I remember it wasn't too long. I am also an online banking member of Barclays, Abbeys, Tesco Personal Finance, ING and Yorkshire Bank so I think I have a good view of comparing them! You need an IB (internet banking number) to log in firstly, unfortunately you can't choose for the computer to remember it but I just save it on the computer somewhere hidden, probably not 100% safe but oh well. Then you need to enter your date of birth and then certain numbers of your security numbers. This isn't as complicated as other sites where you have to enter certain numbers of a security code and password. When you login there is a list of options down the side and then it will show a list of your accounts and the amount that is in them. You then click on the one you want to look at. It will then bring a statement of all the transactions that month and above there will be the amount that is in your bank. If you click on that you can actually see the 'real' amount i.e. if you have just bought something then it will show the actual amount you can take out. On the left is a list of options such as 'Make a Payment' where it will save where you have made payments to with a nickname so you can remember what it is, 'Set up Standing Order,' 'Transfer Money' etc. One of the MOST important things to me about using HSBC as an online bank is that nearly every payment I make will come into my account of go into the other persons account instantly. This is soooo useful when transferring money inbetween two accounts. Another important factor is that I find when I request a replacement card or my card expires and I get a new one I have to set internet banking up again. An absolute joke, but with HSBC I have had loads of cards and I have never had to set it up again. Sometimes I find that I can't log in but that is usually resolved soon enough and you can always use telephone banking instead.