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A big disappointment. Opened an account to try out before closing my FNB account. This is what I experienced: If you are over 65 you cannot partake in any there financing or insurance. The total cost of having a savings account is higher than that of FNB. For the past two days I have been unable to transfer money from the account. The same applies for purchasing airtime. Your transaction cannot be done now, try later. And two days later it still doesn't work.