Worst ever

Worst bank ever!!!!! I changed from capitec to fnb just becouse capitec don't have a bussness account yet. Payments from fnb to fnb takes for ever. It goes off at person paying bank account but not into mine. What do u guys do with the money???? Making money out of other ppl money while the wait for it to be cleared. How are u going to keep up with other banks that are doing payments to other banks and instant? Even your pay and clears that cost a fortune takes for ever.