PROBLEM: Standard Bank Instant money PIN

BE AWARE: Standard bank's version of e-wallet is flawed.If you get sent money from a Standard bank account holder to your cellphone number, you won't be able to withdraw it just with the reference message sent to you or even the 5 digit pin you have to then create.The Standard Bank client sending you the money needs to also give you a 4 digit pin (which you don't receive, they have to give you) otherwise you can kiss that money goodbye, which is what happened to me. How would you EVER know this if you don't bank with Standard Bank.WORST bank in my opinion!!!!