Representative for HSBC
And that's not a good thing. Insanely complicated to set up. Practically anything you need requires you to call them, at which point the only security is a telephone pin, which may or may mot be treated as s password on their side. "Device limit" appears to be ... one! I've only ever had the app on my main phone, and I updated my phone once after signing up, but now it won't let me in due to my device limit apparently exhausted. Since they appear to have dropped netbank logins using the hard token in favour of ... the app, all access to my cash is gone! So, another painful phone experience with them. If you already have an HSBC Expat account, you don't really have a choice wrt banking apps, but for a sane life, maybe you shouldn't.