Initially, I was pleased with my HSBC Student bank account. I received an £1000 interest-free overdraft for my first year of uni, plus an £80 (I think the amount has increased now) giftcard for Amazon, which enabled me to buy a huge chunk of reading material at no cost to myself. I was satisfied for the first three years, however I was unaware that I could have increased my overdraft limit should I have wanted to, to £2000 in my second year, and then £3000 in my third year of uni. After my third year of uni, I then went on to do a masters, so I made an appointment with HSBC not only to keep my student bank account but also to increase my overdraft limit. After a 45-minute wait after the scheduled appointment time which resulted in me having to cancel a meeting with my friend, I had the meeting with the member of staff . I was allowed to keep my student account, however, after going off behind a door for half an hour to speak to someone, she advised me that they would not allow me to increase my overdraft even though I had been with them for four years, longer than a student in their third year who would have been able to have a £3000 overdraft limit. I left the appointment extremely annoyed and disappointed with their service, and had a good mind to change to another bank.