FNB- My Future Inter/National Bank!

FNB is actually the Future Inter/National Bank for me at this moment! I have bank accounts with almost all SA banks but from where I am sitting, I am rooting for FNB! From the bank's data free access to their banking app to all other conveniences that comes with banking with FNB!I buy electricity, thatha ama chance, buy cellphone data, make payments and everything else in one app without having to load a network data! I just recently realised that FNB customer can now chat to one another using the bank's app; I think that's more than just banking, it's the way of life! this is not the case with other banks i am also banking with ....there's a fee for almost everything you do on their app, this includes having to have a network data in your cellphone to do all these things....! The only reason i am not giving a full star rating though is the Fee for instant payment...the last time i did it, it was +-R50 which is 5 times and more compared to other banks, I with this could be considered.....otherwise great bank to keep safe one's hard earned money.

Thank you!