WORST SERVICE EVER

i was lured to downgrade from FNB to standard bank. helped to make this horrible decision by your consultants. i fetch my card all there is to it is a pin activation. my card has no limits. i set up my own cell and online banking. useless because also i cannot set up my own limits. after 3 phone calls on the 4th one only am i told that actually you are only able to make payments in 24 hours. I ask the lady can i do an instant money payment and she responds with a fat YES. I do the payment. get confirmation that its been done. the person who is supposed to receive the funds is not getting an sms. i call into instant money and they tell me if you are using it for the first time it takes 2 hours to activate. This money is for an emergency. i wouldnt have bothered using your useless services if you have to fetch them across the world to be used. for a new customer this is the worst ever possible service. If my parent who is in another province doesnt make it to the doctor in time im seriously going to take standard bank up. Please let me know how i can cancel this horrible service you provide.