I have said this before on this forum, and will say it again..NEVER deal with HSBC. Concur with all previous comments..hopeless service, rip off exchange rates.
With Lloyds now, still a few problems but overall much better. Lost 25,000dhms on a card fraud, but got the money back quickly. Ever tried to do the same with HSBC?...doubt you'd ever see the money back.
Unfortunately every bank in the UAE spends far more time trying to get new customers, rather than spending much effort on keeping their existing customers happy.