Damn HSBC. They just wouldn’t tell you when they have introduced better products! These banks are so good at profiting from people who are not financial savvy. I think HSBC realise that their Business Current Account is not attractive to new start-ups anymore so they started introducing this Business Direct Account which is without monthly maintenance fee to start competing with other banks. But they don’t make an effort to tell existing customers that they have this new type of business account which might benefit them. Talk about giving free professional advices, this and that, just cheap marketing gimmicks. Don’t be fooled into thinking that they will really act in existing customers’ best interests. Once again, very disappointed with HSBC.