Instruct: Classify the online banking query into its corresponding intents.
Query: I was recently charged for withdrawing money from my bank ATM. How can that be possible when I haven't been charged for using it before?
Why was I charged an extra fee when using an ATM?
My card is due to expire soon.
I returned something to a  store but can't see my refund.
Will it take more than 3 days for my transfer to reach my account?
I have a top up card. Where is the verification code?
Can I withdraw money in my hometown currency while on holiday without any additional fees?
How is the exchange rate calculated?
The recipient can not locate funds.
I ordered my card but it hasn't been delivered yet
Can someone please tell me how much I can top-up?
I tried to transfer money to a receiver and they didn't get the right amount. What is going on and who do I contact to help me?
Do I have to go into the bank to change my PIN?
Is there a top charge for US cards?
I am unaware of what my password is.
Why is there a charge for $1 on my account?
I want a Mastercard, instead.
How long does it take to prove my identity?
Do you deliver the PIN separately?
I don't think my transfer wen through. Why?
Why does my transaction have an added fee?
What would be a reason my transfer got declined?
I have a transaction and would like to know if I it's cancelable?
what are the exchange rates for getting cash
How can I change my Rowlock ?
why does it take so long to verify my id