Cost a fortune to send money to other accounts. Charged a monthly fee even though they do NOTHING FOR you. THE MONTHLY FEE IS ON TOP OF THE FEES YOUR CHARGED EVERY TINE YOU LOAD YOUR OWN MONEY AND EVERY TIME YOU CHECK A BALANCE. THEN THE PHN BILL IS ANOTHER BILL TO PAY ON TOP AND EACH TEXTRO THE BANK IS CHARGED BUT NOT COVERED BY THE BANK. SO IT COST ME MORE MONEY TO GET ACCESS TO MY OWN MONEY THAN EVER IMAGINABLE. ITS A JOKE!!!!! They never ever send your wages or money to your account like normal banks do. I end up phoning them every month because i cant get to work because they have completed the transition to load in into my account. Then once its in my account i then have to pay 11p - 15p text message to and also 15p bank fee to load my own money then I have to wait up to an hour before i can access my own money. Then all these bank feesfor checking my balance loading my own money all mounts up each month. Then on top i have a heafty phone bill each month for checking my balance and so on. Most times money disappeares out of my account. Actually for several years on a weekly basis this happened. Some times after complaining the money would magically re appear. But 9/10 wouldnt. My bank has also been hacked several times and had large volumes of money taken from my account. Then had to get new ARM cards which i had the wait 2 weeks for. Staff are useless and rude, wont do anything to help. My money goes in on the same day every week but most times i cant even see it in my account until the end of the day, meaning i have no money to get to work. I once had the wait 6 hours in the snow at a tram stop after a 11.5 hour shift, until my money was actually loaded. The card machine goes down and money disappeares taking nearly 10 days to get it back. I haveseveral years of evidence to everything i say. I have 6 years of printed text messages and account balances where there is questionable behaviour. I STRONGLY WOULD NOT EVER RECOMMED THIS EXCUSE OF A BANK.