Other than HSBC & CBQ,,, go for any other bank... why dont you choose islamic banks?? they are really best in these.. u will never be ripped off like the HSBC & CBQ does..!! I have experience both HSBC, CBQ & QIB..believe me QIB is best in term of charges & other things,service might not be as good but anyways, even HSBC service is crap..!!