Instruct: Classify the given online banking query into its corresponding intents.
Query: Why am I not able to get cash from the ATM?
I can't withdraw money
Is payment required to get a card of my own?
Exchange rate on a purchase was incorrect
What is your shipping policies for cards?
Tell me why my card payment was declined.
Is there a  way to  get around fees
The card payment I made didn't work.
My top up has been pending for an hour already, and I really need this to go through as soon as possible.  Can you help?
I'm worried that my card has been compromised because I see a payment that I didn't make.
What currencies do you accept for adding money?
I made a bank transfer and the balance hasn't updated yet.
I am overseas in China, can I get a replacement card?
I heard you have an auto-top up option, where do I find that?
I'm interested in learning more about product refunds.
My wallet doesn't show my recent top up.
Hello I changed my mind and really need a refund on one of things I bought recently. Can you please cancel the transaction and get me my money back. Pls it's urgent
I have checked my statements multiple times, but my refund that I requested a while back is not showing on my account. Is there a reason for this? Can I get some help getting my money back from this transaction?
Are there only certain ATM machines where I can use this card?
Why didn't my transfer complete?
What is my source of funds?
There are multiple instances where you added a fee to the payment, as well as some where you didn't. Do you have an outline of when a fee will be added?
Does it cost to add money to my card?
I recently bought something in foreign currency and I am unsure of the exchange rate. Is this rate applied correctly?
Activate my card
How can I check if I have received a refund if it is not yet on my statement?