Right here's the story: I'm of on a 8 month trip soon sailing over to warmer climes, I need to be able to keep an eye on my bank account as I have to manually pay my credit card off each month (too many missed payments due to the bank screwing up the payment dates!) and also transfer money to housemate towards the mortgage. I'm with HSBC and ever since they brought out these secure-keys (I'm now on my 4th key since Xmas) I've had issues trying to access my account. Every time it costs me about £5 in phone credit to call them and unlock my account and I don't really fancy using my paradigm minuets once I've sailed. So can anybody recommend a decent bank to me cause I've had it up to here with HSBC now!