In contrast to my Standard Chartered Brunei experience, HSBC has been pretty good. I received an SMS informing that my ATM card would be deactivated and that I would have to visit my nearest HSBC branch to apply for a Visa Debit Card. Sounds straight forward for anybody in Brunei but sadly I am not in Brunei and thus I decided to give them a call. After some verification questions, they arranged to send my card to the closest HSBC branch in Melbourne. A stark contrast to the SCB experience.
While it was all good and I managed to get my card, I have yet to receive my PIN number and thus I called HSBC today and hopefully that’s sorted it out. I did get more verification questions which I feel could be improved on. Two of the several verification questions asked were
- Who is your employer?
Now, I can easily tell them my current employer but I honestly don’t remember who was my employer when I answered this verification question. The question wasn’t who was my first employer, just who is my employer. This vague question is dependent on when I first answered this question, or whenever I updated the question. I asked the lady when could I have answered this question so that I could trace back which employer I was with at the time but she couldn’t specify more information and that I had to give a single answer, so I just randomly gave an answer.
- What is the branch that you opened your account at?
While this is much less vague that the previous question, it still depends on whether I remember the answer. I know I’ve done some banking in the Gadong branch and Bandar branch. I’ve probably opened at least one account at each branch and perhaps I just have a bad memory but I don’t think this question is a good verification question (at least not for me)
But all in all, HSBC has been good and managed to give me service while I’m overseas so kudos to them! Now I wonder how other Brunei banks deal with overseas customers.