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My main annoyance with them, that sometimes the EFTs are just not validating. Exact same details as before, but it is just pending for hours, until eventually after usually 12 hours, sometimes 24, it just gets refunded without any notification. Then on next try it goes through immediately. Same with the costly card transfers where my favorite is when it seemingly goes through, but instead of instant, you get credited in 2-3 days, paying a premium service fee for a slower than EFT result.
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