Horrible experience! Do not trust this bank with your money. The whole policy of the bank is ambiguous and technologically they are still in 19th century. Most of cases need to be dealt face-to-face, they still rely mainly on postal service (in the 21st century, with people travelling and working remotely from different places in the world!). But it gets even stranger and confusing as some of correspondence is via email, while the most important one (in their opinion) is sent via postal service. Moreover, it takes them ages to look into you complaint and of course, the fault is always on customer’s side. The only good thing I can say about this bank is that their employees are polite. Generally, the bank acts as if it was doing a customer a charity taking care of his/her money. If you can, open an account with a different bank.