Agree - HSBC - good experience for me. I've been with HSBC UK for personal use for about five years. Their online banking is what I'd expect - allows for low-hassle international FX transfers, security seems solid, stuff works, no user interface horror. On the phone they're consistently helpful. Like the parent, they block my card the moment I do too many transactions with new overseas providers without warning them. But they sort it out quickly if you call and verify.