As someone who is abroad often this bank and it's services totally suck. I regularly get blocked out of my account, constantly having to call customer services at a premium rate and have to wait up to an hour to speak to someone. Many times I've been passed around departments and told to come into a branch to unlock my account when i have already informed them I am abroad. Updated my details with my current phone number but they are unable to send OTPs to that phone. Other times OTPs do not regain access to my account. If you travel abroad often, do not use this bank!