Chip and pin problem

Chip and pin. This is a way to use our cards and we are told that there is more security. Well, the security increase is only completely true for the banks. Whilst for the consumers, we have much less proof that a card has been used fraudulently. Before, we could say that the signature is different and the experts would be able to prove this. By getting rid of the signature requirement,
the onus is on the consumer to prove that nothing untoward has happened. The best way is to have both: the signature and the pin.

Bank and double standards

HSBC are offering 5.75% interest on their online saver for new customers. Existing customers will get 5.25%. Is this kind of thing common around the world? I am familiar with banks offering attractive packages just for the first few months but this appears to be a longer offering.

It is a shame that the banks are banking on their customers to be loyal enough to stay. Do they not think that satisfying their existing customers will be more beneficial than luring new customers using unfair tactics.

I feel that if banks offer a package that improves over time would be better. For example, if you stay with us for a year, we will offer you 0.25% above the Bank of England rate. If you stay two years, it will be 0.5% above Bank of England rate. Do you not think that this would attract more customers?