Same from me re HSBC.
They con you into their bank in the first place by promising free transfers to home country. However to recover that cost they charge 4% EXTRA on the exchange rate. Lloyds only charge 0.8% extra plus a 50 dirham transfer fee.
If you are sending 20K dirhams home there is a potential saving of 3.2% with Lloyds which will translate to nearly AUD$200 more each month in your account. Meaning over 2000 dollars extra per year.
I will also be changing over to Lloyds shortly as are many others.
The things I don`t know about Lloyds yet are:
1) Their internet banking Facility's
2) How many Lloyds ATMs are about - haven`t seen any?
3) Other account keeping fees.
So if anyone else can answer those questions. Thanks