[janpeuker]

I had the exact same experience with HSBC, with a little twist: I was really impressed by their 100% online signup process with digital government ID which took less than 10 minutes. The process was extremely smooth, except for a very scammy sounding verification phone call. Within 1 day I had a digital card for Apple Pay and within 3 days a courier handed my my physical debit card. I liked the app too. I hadn't consented to marketing mail but HSBC decided to send me some "welcome upsell" anyways, which was returned as I refuse marketing mail. Immediately my card and account were blocked which sent me down the same experience as OP describes here.