FNB's online experience is unnecessarily complicated

FNB's online experience is a real headache! CAPITEC IS MUCH BETTER!!!!

FNB has one of the worst online banking experiences you can have. Firstly, the the available amount in your account is never a true reflection because it doesn't take into account snapscan payment amounts, which sometimes take up to 5 days to reflect. This is terrible for someone who uses snapscan regularly and FNB makes me think I've got more money than actually have. Secondly, the payment process is ridiculously complicated which is totally unnecessary. I click pay someone and get pay a recipient, once off payment and send money which all sound pretty much the same to me. "Payment name" is also very unclear, directs the user towards the "name of the payment", which is actually the reference. Im headed to close all my accounts with FNB paying someone is the most basic task, however, it becomes a complicated and unnecessary process with FNB.