Archaic systems all around. Customer service team is partially located in low-wage countries and is not competent to resolve rudimentary issues. Cards are routinely sent to wrong addresses. Closing and opening trading accounts (automatic with competitors like Swissquote or Interactive Brokers) takes weeks and much correspondence and can only be completed if your onshore trading account is closed. Internal referrals are a bureaucratic nightmare, even though this should be one of the advantages of a cross-national group. Removing blocks often goes wrong - e.g., for months after one block I had a visa card that completely non-sensically worked for all POS-payments, but not at any ATMs. FX rates are forbiddingly high.
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