Tried to set up internet banking just to check on my credit card balance. What a rigmarole. Thought I'd done it and then had to use a pass to complete login. I have a physical pass which I have never used but there was no option to use this or set it up. I therefore rang and like other reviewers I could not understand a lot of what the foreign lady said to me and asked her to repeat much of it. I think she told me I could order a new pass but I told her there was no option to do so so she said she would order one. I am not holding my breath! A compete joke.