I realised some of the big cost was HSBC. I needed to get in contact with them regarding MPF. I rang using Skype but they refused (totally and utterly refused) to allow me to wait in a (relatively cheap) skype queue. NOPE. THEY INSISTED on ringing me back. I tried all day to get through using other means (email, chat on the app, my relationship manager) - nope. They had to ring me. I found out this is several hundred dollars of the cost. They rang me 4 times in the end although I doubt we spoke for more than 10 minutes total.