^ To be honest HSBC aren’t much better but they have the global reach which is so convenient. I can move money around from China to HK to London all free of any charges, instantly.
If you are a Premier customer in one country, you are a Premier customer in every country you hold accounts regardless of balance. So I could have 5 dollars in my UK HSBC account but still be a Premier customer.
But that’s about the only good thing.