I have switched to FNB on the 3rd of August 2013 and to date no debit order switching was enabled and I am continuously struggling with the website amid card utilisation limitations. The support from the call centres were poor and I was holding on for unacceptable time frames in order to resolve my issues which remains unsolved as I still cannot use my cards. With my business account no beneficiaries are loaded to date which makes running a small business very hard. In the midst of the latter, I cannot trade internationally with my MasterCard's due to the fact that its not working on-line even though the FNB on-line maintains all cards are active and ready for use. I am disappointed since FNB markets the easy to switch offering and I have experienced the complete opposite.