This is the worst bank I've ever dealt with. Their online banking only shows you your balances and transactions. You can't do anything without phoning them. The people on the phone are nice but clearly also frustrated with the systems "oh sorry, it won't allow me to do that" or "I don't know, I can't see that". Everything is paper and phone based, it's like banking in the 80's. They don't pay any interest and charge high fees for basic services like making a transfer. Their internal systems are a mess. They don't have logs of what's happened, you can't escalate a complaint, you will spend hours going in circles. I've closed all my accounts and given up, don't bother as you'll regret it!