Instruct: Classify the given online banking query into its corresponding intents.
Query: Do you charge for transfers?
Am I able to do a SWIFT transfer?
I have been charged a pound for something that appears on my statement
DO I have to be 18 to open an account?
I took out cash from the ATM, but something must have went wrong, My account shows the correct amount of cash I took out, but the ATM didn't give me that amount. How do I get my money back?
How much does it cost to us US cards?
I transferred money from one account to another account and I charged a fee for it. Why is that?
Will this card work all over the world?
Do you charge if I use a European bank card for top up?
I just saw a charge for a cash withdrawal that I made! ATM withdrawals have always been free in the past, so why is there suddenly a charge? What is it going to cost me now?
I want a refund on a direct debit.
I'm sure I have enough money so why didn't the store accept my card?
I need help making this transfer. I keep getting an error. I'm trying to purchase a flat but i need my mortgage payment to go through first. Can you help?
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 .
why would a merchant refuse a payment
Do you send more than one card?
Do I need to do anything? My phone was stolen yesterday.
On my statement, there is a strange 1£ charge that appears as pending. What's causing that? I haven't purchased anything that's just a pound.
Unable to complete transfer, states 'declined'
My card payment has not been withdrawn from my account
Is there a reason to why I was charged twice for a transaction?
Does the top-up need verified?
Do you limit my top-offs?
What are the exchange rates you assign?
Can I re-link a lost card with the app?
I have checked the account information several times to be sure that it is correct, but the in country transfer I did a few days ago still has not appeared! What is the hold up?