FNB keeps PayPal payments in holds - Change the System

I have complained to FNB about PayPal 'payments' that FNB keeps in holds.

In 1st world banking systems, PayPal is an instant transaction into your bank account. Here in SA, FNB calls them payments and Osiris bring them into your account. It takes between 2 - 8 days.

I have been left with R2 in my account for 5 days, and FNB will not even allow me a temporary overdraft based on the $50 of my money sitting in their 2- 8 day hold. To be clear, instant PayPal transactions are far better than any overdraft, but in this current system, in an emergency, FNB would not help.

FNB keep saying speak to PayPal, but there is no issue with PayPal. The issue is FNB. They have the mandate. Why? They are not delivering service worthy to have it.

I have already emailed the Ombudsman, after trying to get FNB to help, but they keep sending me to PayPal.

If a different SA bank had the mandate for PayPal, would the service be the same? The system FNB has in place with PayPal is ineffective and inefficient for the customer, but seemingly profitable for FNB. These systems have to change. PayPal transactions should enter our accounts instantly as they do in the UK, USA, Australia and New Zealand, among most other countries that use it.