hsbc for sure put a hole in your pocket. their service somwhat good but they always try to get money from the customers. loan rates are the highest and if you try to close a account they try to get more money from you as vrious charges. my personal experince is not to open an account in hsbc qatar. hsbc you can find everywhere in the world and they will come to your grave to get a one reayal you owe with muliple charges added to it. worldwide they are loosing the business. there target is third world countries money lending at higher interests