Ridiculously poor service that does not improve.

Don't expect efficient service from Nedbank. Expect to 1. Be put on hold for a long time if you call in for help with a problem. 2. Unhelpful consultants that put you on hold when you ask a question (to get help from someone else) 3. Get the wrong info when they do give you an answer. 4. Get cut off when you complain about the bad service. 5. Phone app that does not function properly.