Instruct: Given an online banking query, find the corresponding intents.
Query: Why is there a verification to identity
What if I don't want to disclose all of my identity details?
Why is my transfer pending when I already made it?
I believe there is a mistake because a payment I didn't make shows in my app.
What are the exchange rates?
I was transferring some money to a friend, which I thought would be free, but I see there is a charge.  What's up with that?
Are there fees for using an international card to top up?
What is the way to go about getting a virtual card?
The money has not yet been placed in recipients account.
I haven't received my card yet, how long does it normally take?
What process should I use to transfer money into my account?
I want a refund
Can I top up using my cheque?
Are cards issued to people living in the US?
I want to make an online purchase but I don't want to use my credit card. Can you tell me how a disposable virtual card works and where I can apply for one?
Is there such thing as top up by cheque?
need to know if there is a maximum i can top up
I tried using my card at multiple vendors and now it's not working.
why would i be declined if i had money iin my account
How many disposable  cards are available per account?
I bought something and already paid for it but now I don't see it.
Why am I still waiting for my refund
Am I getting charged for making a payment?
Will I be able to get both a visa and a mastercard?
when should I receive my refund
why is top up pending