I came back from Gibraltar with £50 in Gibraltar sterling notes, took them to HSBC to change them for Bank of England sterling notes and was told there was an exchange rate of 1.116000, I thought it was wrong as sterling is one currency! They they called the notes GIP which I have since discovered is only a banking term as all sterling are GBP I believe. This is a rip off because there is no excange rate or GIP, this is actually a charge by HSBC to change sterling into sterling but by calling it an exchange rate & using their... read full review »