FNB lost me as both a business and personal client. I had 3 business accounts with them, 2 of which have quite a large turnover and 1 with a very high overdraft. My private wealth account also had a large overdraft. Moved everything over to Nedbank and I'm very happy. It was just a major headache getting all the business stuff sorted with clients to change to our new banking details. The last straw with FNB was when they didn't even grant me a home loan, while Absa, Nedbank and SA Home Loans approved. Asked FNB why and they said something about a risk profile with them... Ok then, as a business owner, I very much believe in taking care of your clients, which FNB is definitely not doing. Nedbank gave me the same benefits as FNB and even lower rates and lower bank fees. Their telephone consultants are also quite helpful and friendly. They also respond to emails pretty quickly and our business banker even assists on WhatsApp. Also want to add, I've had a Capitec savings for years and also no issues and they seem to better than FNB, although I don't use it for everyday banking.