Utterly useless, I cannot understand even why something this bad even bothers to advertise their no-existent services... Peanuts to paupers maybe.... but I foolishly tried to send money to my fiance.... AUD 150 to Indonesia, but important to note , AFTER they take my money, they suddenly need more info , they need my ID. This I grudgingly give and then an email saying my ID is "approved" (?) Then within minutes some huge insurmountable and largely imaginary problem arises and they reneg and tell me that the transaction cannot be completed for a variety of idiotic reasons and that my money will be refunded... Then a day later they tell me in another email my account has been closed and no further correspondence will be entered into... WTF? Halfwits and head-wobblers I am thinking.... Limited options with multiple choice Q & A but: How quick was company's response? NEVER How would I rate customer service received? None received In short. don't waste your time.. find and use a proper bank....