Just our experience...we find their online banking ok overall....have an account to take care of small bills from time to time.....and great when in the Philippines...but can be awkward from Australia..When we want to ring them over some small issue...it takes forever to get thru...and then when we do, fobbed off to multiple layers over something simple. So our vote is fine in the Philippines, maybe not from overseas.... Haven't tried their equity trading yet but it looks...interesting...