HSBCrap
First : NEVER convert money with them. NEVER.
They ripp you off on money transfers and credit card conversions. I still can't believe the rate they offered me some time ago.
Second: try their helpsdesk. You WILL get better answers from the monkeys at Al Ain Zoo.
For the standard spinneys bill over here : they are fine.
I would never recommend them; But have no idea where to go from here.