Standard Kaak (Bank) Instant Money (instant money that can never be withdrawn)

Honestly, the one bank that has shown me they dont know *** they are doing, Standard Bank Instant Money is honestly the stupidest, most tiresome and irritating send money service any bank has ever deployed. I have used Nedbank Send Money, FNB eWallet and ABSA CashSend, and I have never had a single issue with any of them. I get sent one payment on Standard Kaak (I mean standard bank), and I am now not able to withdraw the money from THEIR OWN atm's. I have never had a Instant Money account, yet, my account is "Suspended", tried creating an account on their Instant Money App, oh, how I wish I was a tester in their IT department, I am probably smarter than all of their quantitive analysts, business analysts, developers and testers combined, because I have never in my life seen a system that is so useless and pathetic at the same time. Defect 1 - a previously unregistered account should not be suspended

Phone their call centre, and the Instant Money Department is on a different number, even though the ATM gives me the number to contact (issue number 2) - testers takes note Defect number 2 - UI on ATM's should give the correct number for contacting the correct department.

Standard Bank Instant Money department can't delve into an issue when a payment was initiated from a 3rd party (i.e. instant money payments made via the VodayPay App) for God knows what reason. Defect 3 - have a simple API that feeds data of payments made from 3rd party providers into your own to keep track of the payments made so it can be investigated, or even a file drop location of all payments made from that service provider so its easier to track instead of redirecting to the 3rd party for them to initiate an investigation... STANDARD BANK OWNS THE PRODUCT, SO THEY MUST HAVE THE BRAINS TO RESOLVE THE ISSUE...

Please also explain why the eff the instant money voucher takes 3 years to expire? What happens after the 3 years if your stupid ass bank is unable to allow a customer to withdraw the money? Do you guys keep it? Is that how you make money? By robbing people of the money that was sent using this kaak service?

Standard bank should not be partnering with any 3rd party service providers, because they have no clue how to handle anything. Stupid staff at the top, and thats probably why the everyday workers are unable to help customers, how this bank still exists today is beyond me, as a tester, I am appalled by the simplest of mistakes that testers have made, or maybe they just dont have a testing department and thats why all these issues exist in production.