Poor service delivery

On Saturday cheque cards were down. After being decline 4 times already and 2 hours later. The payment I needed to make was so important and was going to close in 30 minutes. A message pops up to advise this issue after all the hassle for 2 hours. They say do instant payment for my own money but that takes 2 hours to clear. When I call, I'm caller no 126. This is the kind of bank standard bank has become. Pathetic and calling the call centre is q nightmare. By the time the automated voice options your airtime finishes. All the stress and worry for your own money. Even the staff at the bank don't know nothing. "No we can't help"