Thanks, my son sorted the POA out on my last UK visit, all i did was signed the form but i would not think he would set up anything with any restrictions but i'll check with him. I just want him to have the authority to close the account in the event of my death and then transfer the dosh to my Thai wifey.
If it is permissable according to the POA for him to go into HSBC and change the account to a joint account by adding his name then that would be fine, job done.