Tired of delayed transactions

<p>I love FNB, they have an awesome app, cool features etc. But I'm tired of constant delayed transactions. Let's make an example: I have a balance of 1500 and an available balance of 500. I buy R200 from a certain shop and said shop doesn't bank immediately, I should have 1500 balance and 300 available, not so? Very often the amount doesn't reflect at all. Fast forward to yesterday and I make a purchase for 250, get an sms to say I have 250 left. I wake up to a text to say purchase A has been deducted and I have 50 left. I don't mind delayed banking from merchant's, but my available balance NEEDS to reflect immediately, I don't check my banking regularly, it's FNBs job to be accurate. After calling the call centre I was told it is the merchants fault, which is a lie. The merchant deducts the amount, but it is FNBs job to reserve the amount and make sure it is NOT available to me. Ref: RJ ********** 433</p>