What a joke.

FNB has really become quite unusable.

I had tried to purchase an item at a vending machine. It did not dispense but still charged for it. This has happened before and I would dispute it with FNB and they would happily reverse it. Now they say I must go and find the company for the vending machine, find the error codes etc and have them reverse it. FNB are refusing to reverse it and telling me to jump through hoops for R15. Not to mention it take up to a week per response from these people. This bank takes well over R300 a month from me in fees for a basic account. What for?

Another issue is that I have my car insured with them. The app still reflects the old premium on the account. I was told windscreen replacements does not affect the premium but then I was told after that it does. I also made 2 claims for windscreen replacements since having the insurance, but they are saying I had 3 claims before they removed all records of claims from my profile. Now I have no idea what is happening with the insurance. They increase the premium so much (double inflation) even though I have never had an accident. Got another quote from Outsurance ***ned by the same company) which is almost half what FNB are charging. So will likely cancel this ****.

Then you have the secure chat. You sit in a queue for ages. The app does not update, you have to keep closing and opening to see refreshes in the chat. And if you go away for a minute as you wait for so long they end the chat with you and you have to start all over again. And that is if they can help you. Often they tell you to call or email someone else.

Savings accounts offer some of the worst interest rates compared to other banks. With the fees FNB charges you are barely even covering inflation.

Lastly you have the rest of the app experience. It has become so slow and convoluted. Most of the systems are often down, especally at night and weekends when it is your only time to check your banking. You have 3 to 4 amounts in the accounts reflecting different balances, so you never actually know how much cash you have. It is just such a mess.

I used to love FNB since I had my first account from when I was a child. These last 4 years have been a miserable experience. Think it is time to move on.