Not enjoying this

I started using Discovery Banking more, almost like my primary account BUT i am not enjoying the experience.

I have on 2 occasions called in to complain that real-time payments are not working. I keep getting "account locked" but only on real-time payments.

Then i am forced to make ordinary payments.

I called in again now, 3rd call this week to say a payment made more than 24 hrs ago has still not cleared on FNB's side. The agent tells me i should've made a real-time payment. SERIOUSLY, as if i dont know that. I tried to do a real-time payment and it did not work, so i was forced to make an ordinary payment.

But why after 24 hrs it still not received? It was a day-time payment made on a week day so why do payments take this long to clear.

I'm not enjoying banking with Discovery, i have trialed it and while it was great and efficient at the start, I'm picking up too many negatives now.

1. Long payment clearing times. 2. Real-time payments don't work.

They just cannot compete with some of the older, traditional banks.