Lugano,
I have used HSBC since joining. Haven't had any real issues and get one free transfer every month. BUT, do not sign up when they track you down during your first day or two. If you do, you will be assigned to the branch in Deira and getting anything done at another branch is tough. I wanted a new card, went to a branch way out and they said I would have to close the account in Deira and then reopen one there. Don't know if all banks are that way. But other than that, no real issues-in fact really has been good. But I never deal with them on the phone. I can't understand them, and they can't understand me.
Online banking with them has been excellent.
Different perspectives, I guess.
TU