Instruct: Classify the online banking query into its corresponding intents.
Query: How do I get a refund for an unauthorized direct debit payment?
I don't recognize the direct debit payment on my account.
What is the procedure to transfer money to my account?
Does this app allow currencies to be exchanged?
My phone is missing or stolen.
I don't have my mobile device and am unable to make the payment because I forgot my details.
I want to add money automatically when I travel.
I exchange my currency quite a bit.  Do I get an exchange price break?
I paid with a card and there is an extra charge. Why?
Why is there an additional fee showing on the statement I received?
Can you help me retrieve my card?
The exchange rate applied was incorrect when I was traveling outside the country.
The ATM didn't give me the full requested amount
There is a cash withdrawal from an ATM listed but I don't remember making this withdrawal.
How much does it cost to get more cards?
Why did my credit card get declined for top up?
i have yet to get my pin
I made a purchase this morning, and it is showing as pending.
Can I change my PIN on my phone?
Can I use as many top-ups as I want?
How do I access the virtual card?
Why do you keep declining my transfers? it's always been working really well so far but when I tried to buy something just now the card got declined, I tried couple of times already  but same thing is happening.
Will I be charged for transfers?
If I need to cash foreign transfers, how does that work?
Does it cost anything to buy something from another country? Like is there going to be hidden transfer fees or currency conversion fees?
Can I get an item refunded?