Good on you for switching pin. Yeah I also had some teething problems and SCB customer service is not the best, but once things are up and running there shouldnt be much need to set foot into a branch.
One more "scam" with HSBC is their online "24 hour currency exchange service". Do you people realise that when you do a currency exchange on the weekends, they charge you more? What I mean is that there is a much bigger gap between the TTB and TTS rate. You will get a much better rate by waiting until a weekday to do currency exchange.
Whilst I can understand they need to cover themselves in case the rate goes up or down over the weekend, I think they are not really being honest because they dont highlight it, dont make any mention of it on their website at the time you do the trade, and people will generally never know about it.
I would prefer if HSBC only allowed currency transfers on weekdays like SCB if they are not going to be open about it and make it clear to customers that they will be getting a worse rate.
HSBC's online "24 hour currency exchange" service is a rip off. Dont use it. Only do currency transfers on week days if you want the best exchange rate.