[QUOTE] [QUOTE="Champ"] I'm not a banker [1], but it would seem to me that there's something wrong with a banking system that 'clears' the funds to you, and then changes its mind.[/QUOTE] There's also something wrong with a banking system where money disappears for three days. Example: I do an online transfer from my bank in Kuwait to my bank in the UK. The funds leave my account in Kuwait immediately, and turn up in the UK three days later. Who has *my* money in that time?[/QUOTE] This is at the moment a hate of mine. I draw out cash on my UK card from a machine in Cyprus and the money leaves my UK account immediately. However, transfer money from the UK account to my Cyprus account and not only does it disappear into a black hole for 5 days but I get charged £30 for the privilege leaving the UK and another 5CYP on arrival.