Instruct: Classify the given online banking query into its corresponding intent.
Query: I am still waiting for a refund
why cant you just refund me instead of a merchant
Why isn't my payment showing?
How much longer is it going to take to get my new card?
Is there any reason my cash withdrawal still shows as pending?
I did a bank transfer and my balance isn't current.
If I don't have much money in the account can I auto top-up?
How do I link one of your card that I already have?
A direct debit appears in the app but I didn't authorize it.
Why did I get charged a fee for my card payment?
Can I use as many top-ups as I want?
I've been trying to transfer funds to top-up my card, but the transaction is not going through.  Is there something I'm doing wrong?
How can I cancel a transaction to a wrong account?
What does a transfer cost?
How do I begin the process of a refund?
What is the expected delivery date of my card?
My cards were stolen
ATM is broken. It did not give me the full amount (30 pounds.)  I'm standing here with only 10 pounds and it's telling me it gave me 30 pounds. I need assistance now!
Is it possible to get a refund?
why top up is not working even if I got my American Express in Apple Bay?
When will my card be delivered?
How do I exchange AUD for GBP?
My card is stuck inside the ATM.
My balance is not right. It has not been updated for the cash or cheque deposit.
My first choice would be Mastercard.
I've tried completing a very standard transfer and have already attempted it 5 times. What's going on here? Is there a problem with your system?