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I had a consultant that told me due to the monthly charges that I pay, I qualify for an upgrade to private wealth client from private client. That when my nightmares started with FNB. The inconvenience of not getting the benefits that you are used to and pay for. I mean my cards are not tapping, my fone is not tapping my Samsung wallet cannot be verified. There is alot. I mean there would be insufficient fund errors that are charging me R8 per error. Declined till payments. It has been a turmoil with this bank. Even today nothing has happened. I changed on the 3rd of October and it is the 1st of November now. I am still in that mess. FNB has became a **** bank in daylight.