Instruct: Classify the given online banking query into its corresponding intents.
Query: Can I use my account now, even though my identity verification has not gone through yet?
Am I supposed to verify my identity?
How do I access the virtual card?
What can I use to verify my identity?
What are my payment options for topping off my account?
I made a purchase earlier today but it is still listed as pending- when will it go through?
The exchange rate for my payment last Saturday must be wrong because I was charged extra.
Is there a way yo change my PIN?
How do I stop fraud to my account?
Why would a cash withdrawal be pending?
I was overcharged at an ATM while on vacation. I needed cash so I had to use it, but your charges are outregous and I wish I would have known beforehand.
When are cards shipped?
why hasn't a transaction to a friend cleared yet?
How are your exchange rates calculated?
How can I order a card?
I'm going to cancel a purchase.
I would like to use one of my cards for a family member. Is that allowed?
How will I know when I get my refund?
I need to know when a payment will actually go through. I completed a payment using my card but it is just showing as pending at this point and it has been a while ago.
Can I use this all over the world?
This isn't fair! I thought transfers could be made for free. I just made  a purchase online from abroad and now see some strange fee that I've never seen before.
Can I top up my balance with a cheque?
I tried to withdraw cash, but got declined!
Will I receive a new card when mine expires?
Why am I missing my refund
Can I convert currency with the app?