I have accounts with HSBC and due to a mistake on their part I was left in the situation whereby i did not have any access to cash during a visit. Despite having a substantial amount in a 90 day investment account, when I asked for a, short term, credit or overdraft facility I was told " we only give credit facilities to Turkish, it is not for foreigners" It all goes to show that they have absolutely no interest in visitors, only in their money.