[neplus]

My primary personal account is with HSBC. A few years ago the login infrastructure - with the little keypad you had to use, etc. - was ridiculous and their app was only a bit better.

However, over the past few years they've really improved. The website is now consistent across all tabs (at least that I use for personal banking) and the app is simplified with most functionality needed for personal use in there.

On the personal side, I've always found the people at branches of HSBC (regardless of where you go) to be courteous and professional relative to the few others banks I have accounts with. I'm not in the UK, so perhaps things are different there, but in North America I've found them to be a slight step above average (insofar as you can be for retail banking --- it's all relative!).