I have had an HSBC Direct savings account for about 4 years or so. When I signed up it was something like 5.45% its been going down ever since just like all savings accounts. I think it is at 1.1%. My brother has had his ING for some time now and seems to like it. One cool thing about HSBC is that earlier this year they sent me a preapproved credit card offer in the mail. I took a chance considering this would be my first unsecured card. They instant approved for $1500 CL. I was very suprised. I didn't think I would be approved.