[quote=spdrun]HSBC has physical infrastructure and branches with actual people abroad. I couldn’t give two aerial copulations about deposits via phone app, personally.[/quote]

Ok, different strokes for different folks I guess. Personally, I hate going into a branch. I get everything done when I want. When I collect a rent check, it gets deposited immediately once it lands in my hands. No trip to an atm, into a teller,etc.
Snap, and it goes into my account.

As far as money..I end up putting everything on a credit card as much as I can to get points/dollars. But that’s just me. And when I do go abroad or anywhere for that matter, I pick whatever atm I want. Never had a need to step into a specific bank.