I have just completed a negotiation with HSBC regarding a payment I tried to make for a watch.
It took me 120 minutes, just over 90 of which were spent on hold.
Their Fraud Dept. sent me an SMS asking me to text "Yes" to a number contained within the SMS which was a chargeable number. I was reluctant so to do without verifying the source was genuine.
I later received a SMS asking me to phone their Fraud Dept. on a number which showed as suspicious on whocalledme.com. To be fair there were also reports that the number was valid; a mixed review shall we say.
Finally I obtained another number through my secure online banking app which I was confident was genuine, called and after only 18 minutes on hold finally got to speak to an operative who assured me that the payment had gone through. I await confirmation from the extremely patient vendor, who has been very understanding.

So I ask the question, more in hope than expectation, "can anyone recommend a banking facility with fit-for-purpose customer service?"