I use HSBC, once the initial hiccups associated with opening the account...(ask specifically for the inet/phone banking form) things run smoothly, there was a headache getting PIN numbers for cards, but that was attributed to the changeover to the new chip implanted cards, they were replacing EVERYBODY'S cards over the new year..online works great, never go to the branch for anything..Bank Muscat in the GF HQ is terribly slow at everything...the rst I dont know welcome to the desert!!