First National Blunder

This bank operates will little to no logic. Their self-help information is somewhat incomplete to the point where digital banking is not really an offering of theirs, and requires a call to the center ora visit to a branch; the complete opposite direction to where we're going. The amount of control you have is limited to how willing you are to visit a branch, again multitudes of steps backward.

An example; to use the mobile banking app one must verify the device. "That seems secure though", one would think. The instructions read, "Log in to Online Banking, click Online Banking Settings -> Banking -> My browsers and devices -> Verify", only to find out this is not the case. One picks up the phone and rings Mobile Banking. "Oh, yes sir, unfortunately, you won't be able to verify the devices like that as you must make a payment of at least R300 to verify the device." What? "But all your materials have pointed me to using Online Banking, why am I making a payment when all I want to do is verify the device?".

Two things come to mind: 1) why is your self-help materials so out-dated then? This app has just been updated, you're website has been down for maintenance at least 3 times since my first enquiry, yet the incorrect information still remains. Change it. 2) as a bank, you should be encouraging saving yet to activate one of your most basic services I am being held hostage and force to spend a frivolous amount that I would not have wanted to in the first place. Honestly, get yourselves and business model together.

But that is but one thing. For instance, my inContact notifications are always way after spending, yet my ABSA account (without fail) sends notifications within3 seconds. I have made it back home before the FNB SMS reached me in some instances. Another thing, recieving codes to authorisetransactions takes forever on the app. Think you're going to use SMS instead, think again. Those instructions to change are also messed up, and require an ATM.

The long and short of it; FNB used to lead in terms of digital banking, but that lead has been lost to ABSA and Standard Bank, whom have taken it much further than FNB ever could.