Instruct: Classify the given online banking query into its corresponding intent.
Query: Why was my top-up declined?
Reasons for top up cancellation.
How can I verify my identity?
Rates were applied wrong while using foreign currency at an ATM.
Can you tell me the countries you operate in?
Am I able to return an item for a refund?
Why did the top-up fail?
Your ATM pin can be changed at any VISA or MasterCard ATM with PIN services. Certain countries don't support ATM pin changes.
I wanna revert a transaction i did this morning.
I am still waiting for a refund
I want to cancel my purchase
I would like to know how my friend would be able to send me money
What is delivery speed to the United States?
I requested a refund but can't see it.
How much are the fees for adding funds using an international card?
When will I see an updated balance after a transfer?
What is the maximum top up?
Will a beneficiary not accept a transfer?
How long does it typically take for a pending ATM withdrawal to clear?
Is there any way i get a disposable virtual card as well?
My app was on the phone and I was mugged.  What do I do?
Do the disposable cards have any restrictions on them?
Why did my credit card get declined for top up?
This stupid system is not letting me prove my identity.
The ATM machine would not give my card back
Can you tell me what are disposable cards for?