we are at hsbc steve here in uk and in phils both pound account. Shane pays 20 pounds everytime he transfers money to my account in phils regardless of amount. ours is advance account by the way with a travel/accident insurance. HSBC's maintaining balance for savings account is 25,000 pesos unless it has been changed and a fee of 500 a month if it goes down the minimun. It also comes with a credit card . Never had a problem with except the same wth andy's experience when shane trying to withdraw some money in phils. They blocked the card but then sorted within a few mins.