Reading this post made me so mad. I have/had an account with garanti and they were a nightmare to deal with. The last time I was in the bank I waited 40 minutes with just 1 person ahead of me in the queue so when it was my turn I withdrew all my cash and went to ING bank. Just as bad, it took me 18 months to get at the money I deposited because they were sending pin numbers to the wrong phone number. I beg and pleaded with a certain forum member to check the number they were texting was correct as I was not receiving the pin, head office investigated and couldnt find a problem!! Eventually a young lady in ING asked was this my number and lo and behold it wasn,t !! So on to finans bank, no money in the account because I am still waiting for my pin to activate my debit card and internet account. Hubby has his so its not as if they wont activate the account without a deposit. Banks grrr!! great when you put your money in, not so if you want it out.