Instruct: Classify the online banking query into its corresponding intent.
Query: What factors determine your exchange rate?
What are you exchange rates?
when should I receive my refund
I have an account that is empty of funds. Can I transfer some from another bank?
I did not set up a direct debit I have
How do I add my new card?
There is a pending payment on my account, what does this mean?
Why is the app showing a still pending message on a withdraw that has already been done?
What is the charge for topping up a card?
My card is almost expired.  How fast will I get a new one and what is the cost?
I would like to change currency
what is the time frame for transfers
Is the 1 pound charge going to be reimbursed on my card?
I need to transfer funds from China and quick expedition is crucial. Approximately how long does it take for a transfer from China to go through?
I have a new email.
Can I put my found card back into the app on my phone?
How do I make my PIN work again?
My app shows a direct debit that isn't mine.
Why is there a $1 charge on my statement?
The balance has not been updated.
I'm having issues with my card. You guys keep declining it for some reason. I haven't had any issues up until this point. What is going on? I've tried a handful of times with the same, unfortunate, result!
I prefer mastercard.
Is auto top up a provided service?
My card needs to be activated asap
Cancel my transfer, please.
I have duplicated transactions on my statement