To be able to understand the person who I am talking to, banks!

understanding ...

I also have problems with accents, both foreign and British - it has nothing to do with being xenophobic, more to do with slight deafness! I usually apologise, explain I am slightly deaf and ask them to speak slower

I must be a lucky bugger then as I’ve banked on line with Nat West for 18 years now and only twice had to ring to avoid being ‘locked out’ in all this time (which I admit had made me a bit anxious) and the problem was easily rectified.
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I had a problem yesterday with a little used account and remembered why I haven't been using it. Firstly I had to put in my Username followed by my password. Then the needed a memorable word, fine did that. Then I had to go through security questions the problem wasn't with my answers it was the questions. As soon as the first question came up I knew it wasn't one I'd chosen so had to phone them. Well either I was talking a foreign language or she had a comprehension problem. I don't think she was foreign and my English is usually understood easily enough. The problem was she sounded like a robot. Anyway after around an hour I finally had access to my account.

Bank with RBS lovely Scottish voices and so helpful when you phone them .

I did for nearly 50 years but their interest rates are abysmal.