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I am expecting a tax refund as HMRC had asked for tax returns for the last 4 years. So I sent them off and had calculated I had paid too much. I received an email saying I was getting a refund on my tax for 2016-2020 and to click a button if wanted a rapid payment. So I checked the email sender...

Nice of HSBC to text me about a new payee on my account when I bank at NatWest. There seems to be scope for them to trim their service and overheads though.