Let me paint you a picture.

Don't throw the key out the window yet. This happens because of The little battery-powered computer inside the fob has lost sync with HSBC’s actual time.

Here is the no-nonsense, slightly sarcastic guide to getting that little device to actually work. First, a little respect. The Secure Key isn't just a calculator. It’s a two-factor authentication (2FA) device. Even if a hacker in a hoodie steals your password, they can't get into your account without physically holding your key. It’s annoying until you need it, then it’s a fortress.

But once it’s done? That little fob is your best friend. Keep it next to your passport. Don’t lose it. And for the love of finance, if you switch to the Mobile App version, (seriously, HSBC recommends physical destruction).