Instruct: Classify the given online banking query into its corresponding intent.
Query: I don't know what pending transaction means.
I need to know when a payment will actually go through. I completed a payment using my card but it is just showing as pending at this point and it has been a while ago.
I have an emergency and lost my phone.  I need help accessing my account.
I don't understand why I'm being charged for using my card.
Can I use my American Express card to add money into my account?
Does the exchange rate change?
Why won't the machine accept my card anymore?
My card doesn't work when I use it.
I don't know what this Direct Debit payment on my account is for.
If I need to cash foreign transfers, how does that work?
Is auto top up a provided service?
How old do you have to be to open an account?
When do i get charged a fee for using the card?
Visa or Mastercard?
Do you know how to change my card PIN?
The transaction for the cash I pulled out of the ATM earlier is pending in the app, but how if I already have the cash?
Why am i being charged for withdrawing cash funds?
where exactly does money come from
How long do deposits take to appear? I've been waiting for more than a week and need the money!
Is there a way to make my money usable in another country?
I need an accurate exchange rate, when I make my withdrawals.
I believe my card payment has reverted
What is happening?  I have tried to transfer money 5x already.  Is the system down?  This shouldnt be happening as this is a basic transfer.
I want to get a Visa
Can I use an auto top-up option?
Can you please inform me of the restrictions for the disposable cards.