Dont Bank at FNB

FNB Apologizes continuously. That all they do. They are without the worst bank in SA. they do everything possible to hang on to your money and charge for everything over the top. The telephone apps is no good also. When you use it to transfer funds overseas with using Forex. It accepts the payment and give you a value date that is not honer and after calling to complain 5 times the Apologize and say they'll rectify it !!!! 6 days later ill get MY money. Any recommendations who to back with? Because on my return to SA Ill be closing my account