I've been with Stanbic IBTC for my pension for years now and honestly the service use to be smoother. Recently went to sort out some issues with my contributions and the guy at the counter took almost 45 minutes before he even looked at my documents properly. The app works fine most times but when you need to actually speak to someone in person about your pension money, e no easy. I'm not leaving but they need to do better with their customer service because we're trusting them with our retirement.