The thing is will the scotsman eat a big slice of banoffee pie and swallow his celtic pride and head back to his homeland to acquire a debit card? Will he or won't he? Am I right now or am I right now?

Debit Card, Smebit Cards! some of out New York Colleague FT's might say Hahaha. However, you are right, it's a serious matter and thank you for your post, bringing this important matter to our attention once again. It is quite scary actually, the realisation of how many British pensioners living in China, may well be living under the constant stress and uncertainty of not having a debit card into which their Blighty pensions can be efficiently funnelled into. How many sobbing wives of FT's around China have to risk the wrath of British hubby and serve up egg fried rice instead of lamb hotpot,day in day out, all for the lack of a debit card- lao tian! CityBank, too busy keeping the pension and hoarding the interest hasn't paid again?-and again, and again. Yes, San Mig, you are right, as about as right as right can be.