Lack of functionality
The app is OK. However they have ridiculous 12 hour holds for new transfers limit changes etc. so trying to bank instantly is impossible as almost all transactions need to be thought out days in advance. OCBC is behind the game - reducing my functionality is not increasing my security. Other international banks still have great security features without the arbitrary rules in place within their online banking. Increases our inconvenience and reduces their tech security investments. Keeping my money safe should be a competitive advantage for a bank and instead it distracts