In my 10 years in UAE I have yet to find a decent financial institution. They are all staffed by ignorant gofers. HSBC failed to process two standing instructions at the end of last month which nearly resulted in late payment charges had I not been monitoring the situation. Their excuse "it was Eid then Christmas so we were working on reduced staff"
They will however investigate further for which they will charge an investigation fee of DHS150. ASSS Hooooooooooooles.