Just use another bank.

Banking with FNB gives me the opporunity to rent a vehicle through EBucks, the advantage of doing this, whilst also having FNB short term insurance on my car, gives me a reduced waiver in the event of an accident (R4500 instead of the Avis waiver of R9000). Unfortunately, the worst did happen and I was in an accident. Well good luck trying to get Avis to not bill you R9000 or get FNB to refund the R4500 already charged to your card. Multiple phone calls to FNB and Ebucks, online discussions on FNB secure chat and I am now being ignored, nobody knows anything I am talking about. With both personal and business banking, insurance, retirement savings, two home loans with FNB, I really do not see why I am wasting my money on your services. And don't even bother using FNB FOREX services (FNB supposedly the best FOREX bank in SA according to the advert at CapeTown airport), according to my private banker, the "other" bank is at fault which is quite interesting when my new bank account with another (clearly better) bank is perfectly fine.