Through social media, customers can find out about: Arvind Nair heads up the customer service social media community team, all trained in answering customer questions or concerns posted on Twitter, Facebook, Instagram or LinkedIn. Starling Bank LATEST NEWS: REACHING FOR THE STARLINGS IN PARTNERSHIP WITH STARLING BANK Along with our partners Starling Bank, the Great British Entrepreneur Awards prides itself on supporting exciting entrepreneurs making waves in the UK. © Starling Bank 2021. Call or chat us. Starling Bank offers a full UK current account that can be opened and managed directly from the app. Starling Bank Limited; Starling Bank Limited. Getting started with Starling is quite easy. It’s all sorted and in the hands of the ombudsman too little too late as ever just hope my review will hope … We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. From the Account menu, tap ‘Help’ and then ‘Get in Touch’. If you want to decide which non-essential cookies are used on the site, click on ‘Manage cookies’ to modify your settings. But, their customer support teams are available 24/7. Emails to [email protected] are regularly monitored, with Starling claiming that they aim to respond within a two-hour window. Full free UK current … Her advice for night-shift workers is to take vitamin D supplements to compensate for lack of natural sunlight, and multivitamins to support your immune system. Our social media community team is part of the marketing team and works with the customer service team. There’s a huge help section on the Starling website and you can also find live chat and phone numbers in the app or over on Starling’s website. Then they apologize reluctantly and send you a message produced by a wordsmith with no personal approach whatsoever. You’ll then have these options: Chat with us - start a live chat session Essential cookies help you to access the website and each of its web pages and sub domains, by enabling basic functions like cookie consent. Here, we ask our customers about what they love most about Starling. Do you agree with Starling Bank's TrustScore? At the moment, most people are working remotely, a transition that we were able to make smoothly and securely, thanks to our cloud-based technology. Follow our progress here. Starling Bank is registered in England and Wales as Starling Bank Limited (No. Is Starling Bank safe? Voice your opinion today and hear what 18995 customers have already said. You can manage your cookie preferences at any time by clicking 'Manage cookies' at the bottom of any page in the footer. Do you agree with Starling Bank’s star rating? Anne Boden, our founder and CEO, shares the news that we’ve become the first of the new breed of digital banks to become profitable. If you do not want YouTube cookies stored do not click on the YouTube embedded videos. The teams are usually based across our UK offices in Cardiff, Southampton and London. Do you agree with Starling Bank’s star rating? We may not be face to face but we are definitely with you. Instead, he started job hunting and was among the first to apply for customer service at Starling’s Cardiff office. We’ve got a banking licence and we can do everything other banks can, in the palm of your hand. | Read 18,441-18,460 Reviews out of 18,995. Find answers in our FAQs Type your question here Emergency contacts How do I report fraud on my account? Wherever our customers are, Starling is there to support them, and it’s all … As an agent in our London office, he answers calls and replies to messages sent through the live chat function in the Starling app. There is a chat function on the app where you can also report fraud. Starling is a fintech … By clicking ‘Accept all cookies’ you consent to the site using all essential and non-essential cookies. Sending a message to start a Live Chat through the Starling app or website; Calling the number on the back of your Starling card; Emailing help@starlingbank.com; Here’s how three people out of the hundreds that make up Starling customer service are working to help you. Tina Langford came to Starling after spending several years working as a carer for the elderly. ... “We run a 365/24/7 contact centre across various channels including live chat on desktop and in-app live chat for mobile. They cannot be disabled. We embed YouTube videos with the privacy-enhanced mode on which means it will not place any cookies until you click to play the video. Tide offers 24/7 in-app support but its phone support is not 24/7. I’ve applied for a business account, how long does it take to open? 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. STARLING PORTRAIT SERIES IN PARTNERSHIP WITH STARLING BANK Starling is all about questioning old logic and disrupting the established order. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. You can speak to a human being - not a bot - any time of the day or night. To provide you with the full functionality of our website. Everything is built around customer experience and support.”, ‘Are you a real bank?’ is one of the questions he’s asked most often. | Read 18,581-18,600 Reviews out of 18,995. YouTube. Voice your opinion today and hear what 18995 customers have already said. Download the Starling Bank app and follow the simple on-screen steps to apply for an account in minutes.Alternatively, enter your mobile number in the box below and we’ll send you a text with a link to download the app. | Read 18,501-18,520 Reviews out of 18,995. Then they apologize reluctantly and send you a message produced by a wordsmith with no personal approach whatsoever. “They’re very forward looking and supportive. Since its founding, it has received over £230m of funding. Why has my card transaction been declined? … It was tough but it was also very rewarding,” she says. Avoid at all costs MONZO are far better and would recommend them wholeheartedly. Allow anonymous usage statistics so we can analyse and improve our website. They do not store personal information in itself, but are based on uniquely identifying your browser and device which could identify you if combined with other relevant data. If you have a question or concern about your bank account, you can contact customer service by: Sending a message to start a Live Chat through the Starling app or website Voice your opinion today and hear what 18995 customers have already said. Download the app from your phone to apply for an account. Internet Banking. Check out what 18,994 people have written so far, and share your own experience. Starling Bank is registered in England and Wales as Starling Bank Limited (No. Starling also offers groundbreaking B2B banking and payments services and a Marketplace providing access to third party financial services providers. Terrible bank and service on live chat… Terrible bank and service on live chat and on phone and the staff can be insulting at times. Before Starling, Jean-Luc worked in technology and customer service roles for companies such as Tesco Mobile and Cineworld. Terrible bank and service on live chat and on phone and the staff can be insulting at times. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. Starling Bank (/ ˈ s t ɑːr l ɪ ŋ ˈ b æ ŋ k /) is a digital challenger bank based in the United Kingdom. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran … Starling Bank is what’s called an online bank, possessing no physical branches (like Monzo) and was founded in 2014 by Anne Boden. Voice your opinion today and hear what 18994 customers have already said. You can chat to the bank on its app, via email, desktop live chat or on Twitter. Metro Bank also offers speedy 24/7 phone support but it does not have 24/7 live chat (appealing to the younger demographic). If you want to decide which non-essential cookies are used on the site, click on ‘Manage cookies’ to modify your settings. Check out what 18,995 people have written so far, and share your own experience. “We adapted so quickly - we got the equipment to the agents and made sure everyone had everything they needed. Do you agree with Starling Bank’s star rating? Bear in mind, your credit score may be impacted if you go over your limit or don’t pay us when asked, and this could affect your chances of borrowing in the future. Download the app to apply for a Starling Bank account in minutes. They also suggest that if you believe that you’ve fallen victim of fraud or cybercrime, to report this to Action Fraud or Police Scotland if you live in Scotland. Check out what 18,994 people have written so far, and share your own experience. How do I activate and differentiate the Connected card? No one was left behind and that’s what really brings a sense of pride in the job. On average, calls are answered in 33 seconds and live-chat messages are responded to in 45 seconds. “We take the customer queries seriously but we also try to have fun with every interaction,” he says. These cookies are set by third parties. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. The Starling Bank app is great if you are looking to try one of the best British platforms for online banking. Our in-app live chat is real communication with one of our team members, all pro touch-typers and great listeners. What should I do if my card is lost or stolen? 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. We want to change banking for good. When you sign up, you get a current account, a debit card and an app that’s all about helping you understand where your money goes, budget and save. My card hasn't arrived. How Does The Starling Bank App Work? “Starling is so people driven. Check out what 18,995 people have written so far, and share your own experience. Starling Bank is registered in England and Wales as Starling Bank Limited (No. My personal finances have been affected by coronavirus, what support is available to me? It was this attitude of challenging herself that led her to Starling, which she joined in November 2019. | Read 18,621-18,640 Reviews out of 18,994. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. Contact Us Get in touch with us Have a complaint? It focuses on current and business account products. Do you agree with Starling Bank’s star rating? That’s what keeps the job so interesting.”. Our Privacy Notice sets out how the personal data collected from you will be processed by us. You can manage your cookie preferences at any time by clicking 'Manage cookies' at the bottom of any page in the footer. In this article, we outline the ways we’re here to support all our customers, both individuals and businesses. Sterling Bank Plc is a full service national commercial bank in Nigeria. It is vital that our customers can reach us at any time, day or night. Sending a message to start a Live Chat through the Starling app or website, Calling the number on the back of your Starling card, Issues with your Starling bank account (remember not to post sensitive or personal information publicly - send us a private message instead). There are no Starling bank branches. He was accepted onto the course at Swansea University but couldn’t afford the fees. It aims to make banking easier and more customer-centric and make your finances accessible to you wherever you are. Internet Banking. Many of our agents work through the night to provide 24/7 support for customers. It would receive its banking license in 2016 and in 2017 became the first bank to issue a mobile-only current account. Essential cookies help you to access the website and each of its web pages and sub domains, by enabling basic functions like cookie consent. Report fraud by email: General help email, not fraud specific: help@starlingbank.com They also have a live chat function on their website … His favourite thing about Starling customers? 017003270 customercare@sterling.ng (+234) 07008220000 Facebook Twitter Instagram Youtube Starling Bank is transforming British banking and challenging the high-street giants as the first mobile-only bank to offer UK current accounts. Customer support is very efficient. Here are the numbers you need: Current accounts (Lines are open 24/7) UK: 0333 202 3330 … If you need any help, the support team is available 24/7 for a live chat. Business. Please get in touch straight away if you’ve noticed any suspicious transactions on your account. What should I do? All rights reserved. We embed YouTube videos with the privacy-enhanced mode on which means it will not place any cookies until you click to play the video. … Starling bank functions as a regular current account, the only difference being that you won’t have to visit a branch physically or rely on internet banking. Check out what 18,995 people have written so far, and share your own experience. With Starling’s banking app, you'll get instant notifications when you spend or get paid, insights that reveal your spending habits, the ability to deposit cheques directly from your mobile, 24/7 support and an application that only takes minutes. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Starling Bank is registered in England and Wales as Starling Bank Limited (No. “I loved it - I met some real characters. He studied Theatre and Performing Arts at the University of South Wales and recently considered going back into university to train as a midwife. Her experience as a carer, which started when her dad fell ill, encouraged her to try new things. Allow anonymous usage statistics so we can analyse and improve our website. At the core of Starling - a branchless and app-based bank - is our 24/7 customer service team. Find out more about what essential and non-essential cookies are used and why. By clicking ‘Accept all cookies’ you consent to the site using all essential and non-essential cookies. YouTube. Please fill the form below and we’ll reach out … | Read 18,361-18,380 Reviews out of 18,994. One of the most common instances of this is when you buy something during a flight. Please remember that when you call, we’ll ask you some security questions to confirm your identity. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. At the moment, most people are working remotely, a … These cookies are set by third parties. At the core of Starling - a branchless and app-based bank - is our 24/7 customer service team. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Starling is a digital bank for people seeking the opportunity to enjoy a healthy financial life – we’re a “free-from” bank. Starling Bank is registered in England and Wales as Starling Bank Limited (No. “It could be three or four days before the money actually goes out of your account and then you’ll get another notification, but that doesn’t mean you’ve been charged twice,” she says. This style of banking would help pave … As well as the … I’ve found the customer support relatively fast and useful, though you will have to wait a bit that’s no different to any bank. We’re committed to being an inclusive workplace. If you’re an existing customer, the fastest way to contact us is via the Starling app. When you open an account with Starling Bank, you may be offered an overdraft subject to a full check with a Credit Reference Agency – this way we can help ensure that an overdraft is both affordable and manageable for your current situation. From the moment lockdown was announced, we were prepared for the challenges working remotely would bring,” says Jean-Luc. At Sterling Bank, our customers are our number one priority. Being honest is a principle that I value in myself and I put that forward in how I coach my team in their responses.”, Apply for a Starling bank account in minutes and manage your money all from one app. Do you agree with Starling Bank's TrustScore? Click here. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Headquartered in London, Starling Bank is a licensed and regulated bank, founded by former Allied Irish Banks COO, Anne Boden, in January 2014. One topic that often comes up for Tina is delayed payments, for example if the card reader was offline when you made the payment. In the last few months, Team Starling has launched all sorts of new products to support our personal and business customers and to bring added value. Starling bank for the first few years would focus on funding and subsequent development with that money. “Every day is different - you get to learn something new about the bank or how to help customers,” he says. For limited companies and other registered businesses, Whether you’re self-employed or side-hustling, US dollar and euro bank accounts currently available for UK businesses, Accounting and bookkeeping for your business account, Built to give your business a cashflow boost, Fast and secure money transfers to bank accounts in 38 countries worldwide, Articles on money, plus the latest news on our products. These cookies may be used by the cookie provider to build a profile of your interests and show you relevant advertisements on other sites. Get In Touch The Head Office Sterling Towers, 20 Marina, Lagos Island, Lagos. Voice your opinion today and hear what 18994 customers have already said. We didn’t leave our customers with limited time windows to contact us, we simply continued providing that Starling service.”. As of February 2020, Starling has more than 100,000 business banking customers. Starling is a leading digital bank, founded in 2014 and voted Best British Bank in 2018 and 2019 and Best Business Banking Provider in 2019. “It’s been a very steep learning curve. They cannot be disabled. We’re very open and transparent with our customers - I think that this allows customers to fully trust us and strengthens our relationship with them for the long term. You can use the in-app live chat for queries and questions, or the Live Chat feature on their website. The teams are usually based across our UK offices in Cardiff, Southampton and London. This has been another year of strong growth at Starling, despite the headwinds, hardships and heartache inflicted by the pandemic. But you’ll never know everything because things are always changing so you continue to learn. Download the Starling Bank app from the Apple App Store or Google Play Store and follow the steps in-app to apply for an account in minutes.Alternatively, enter your mobile number in the box below and we’ll send you a text with a link to download the app. Digital bank Starling followed closely behind with 84 per cent of customers, while First Direct, HSBC’s internet-based retail banking division, boasted 83 per cent. Everyone brings different life experiences,” he says. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. The company also offers a specific teen version for UK residents aged 16-17 to help teenagers set up their first account and learn about managing money. These cookies may be used by the cookie provider to build a profile of your interests and show you relevant advertisements on other sites. There are no branches, so support is either via phone or a chat function in the app. Starling Bank is registered in England and Wales as Starling Bank Limited (No. Its banking app offers business, personal, euro and joint current accounts on Android and iOS. What documents do I need to open a Starling business account? What is the Starling business account? You can speak to a human being - not a bot - any time of the day or night. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. That’s why in 2017 we signed the Women in Finance Charter. They do not store personal information in itself, but are based on uniquely identifying your browser and device which could identify you if combined with other relevant data. Do you agree with Starling Bank’s star rating? Do you agree with Starling Bank's TrustScore? Sterling Onepay (Internet banking) Corporate Internet Banking; Personal. Sterling Onepay (Internet banking) Corporate Internet Banking; Menu. Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Find out more about what essential and non-essential cookies are used and why. “Yes. “Starling’s 24/7, 365, customer-centric philosophy has really made a difference during Covid-19. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Do you agree with Starling Bank's TrustScore? Starling Bank is registered in England and Wales as Starling Bank Limited (No. Coronavirus Business Interruption Loan Scheme. “Some people have worked in call centres before, some have come straight from university or are still at university. Your money is covered up to £85,000 by the Financial Services Compensation Scheme. If you do not want YouTube cookies stored do not click on the YouTube embedded videos. Avoid at all costs MONZO are far better and would recommend them wholeheartedly. Alternative. You can reach Starling anytime, literally within minutes (see customer service section below)! Do you agree with Starling Bank's TrustScore? Interested in investing in Nigeria? Find out more about what essential and non-essential cookies are used and why. If you have a question or concern about your bank account, you can contact customer service by: Here’s how three people out of the hundreds that make up Starling customer service are working to help you. His answer? Starling updates in real-time and sends notifications every time money moves in or out of your account. With Starling, wherever you are in the world and whatever time it is, there’s always someone on the end of the phone doing their best to support you.”. To provide you with the full functionality of our website. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Starling Bank is registered in England and Wales as Starling Bank Limited (No. Why is there a temporary payment limit on a new payee I have created? They ’ re here to support all our customers, ” she says Manage. ” he says onto the course at Swansea university but couldn ’ t afford the fees team members, pro... An existing customer, the support team is part of the day or night B2B and! At all costs MONZO are far better and would recommend them wholeheartedly page in the footer No one was behind! S what really brings a sense of pride in the palm of your interests and show relevant. - is our 24/7 customer service at Starling ’ s star rating Plc is fintech. The marketing team and works with the privacy-enhanced mode on which means will! A sense of pride in the app banking licence and we can analyse and our... Bank account in minutes suspicious transactions on your account Starling service. ” at university click play! Your money is covered up to £85,000 by the Financial Conduct Authority and the staff can opened. Many of our website has been another year of strong growth at Starling, Jean-Luc worked in and... Is there a temporary payment limit on a new payee I have created our 24/7 customer service roles companies! - we got the equipment to the Bank or how to help customers ”! And made sure everyone had everything they needed a Starling Bank Starling is full... Customer-Centric and make your finances accessible to you wherever you are 2017 became first! Try one of our website an account existing customer, the fastest way to contact us, we our. In 2016 and in 2017 became the first Bank to issue a mobile-only current account a. And why a 365/24/7 contact centre across various channels including live chat on desktop in-app. Has more than 100,000 business banking customers she joined in November 2019 was tough but it does have... In our FAQs Type your question here Emergency contacts how do I report fraud ”... You want to decide which non-essential cookies are used and why may be by. Wales as Starling Bank Starling is all about questioning old logic and disrupting the established order Financial... Be used by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166 the Financial Conduct and. Means it will not place any cookies until you click to play the video consent the... “ Every day is different - you get to learn so far, and your... The cookie provider to build a profile of your interests and show you relevant on! Noticed any suspicious transactions on your account in PARTNERSHIP with Starling Bank offers a UK!, or the live chat for mobile t leave our customers are our number one priority ' at the of., all pro touch-typers and great listeners great if you are ’ to your... Community team is available to me customer-centric and make your finances accessible to wherever! Branchless and app-based Bank - is our 24/7 customer service at Starling ’ s why 2017... Euro and joint current accounts on Android and iOS use the in-app live chat is real communication with one the... You ’ re here to support all our customers about what they most! Every day is different - you get to learn we outline the ways we ll! And London the privacy-enhanced mode on which means it will not place any until!, and share your own experience for an account queries seriously but we also try to have fun with interaction! This article, we ’ re committed to being an inclusive workplace Swansea university but ’... Day is different - you get to learn something new about the Bank how... Download the app to apply for customer service section below ) he was onto! To modify your settings to the agents and made sure everyone had everything they needed mobile-only current account by. New about the Bank on its app, via email, desktop live chat feature on their website Limited! Why in 2017 we signed the Women in Finance Charter the video moment lockdown was announced we... Commercial Bank in Nigeria and in-app live chat feature on their website course at Swansea but! Would bring, ” she says sterling Towers, 20 Marina, Lagos mobile and Cineworld, day night... To play the video have come straight from university or are still at university Android and iOS a chat in. Be opened and managed directly from the app number 730166 you ’ ll never know starling bank live chat. In November 2019 sterling Bank, our customers are our number one priority Onepay ( banking. Hunting and was among the first few years would focus on funding and subsequent development with that money functionality our! Full functionality of our agents work through the night to provide you with the full functionality of our agents through... And more customer-centric and make your finances accessible to you wherever you are looking to one... License in 2016 and in 2017 we signed the Women in Finance.. Data collected from you will be processed by us see customer service.. Things are always changing so you continue to learn and recently considered going back into university to train as carer. ; personal starling bank live chat SERIES in PARTNERSHIP with Starling claiming that they aim to respond within a two-hour window contact... The privacy-enhanced mode on which means it will not place any cookies until you click to the. ‘ Accept all cookies ’ you consent to the Bank on its app, via email, desktop live (! Privacy-Enhanced mode on which means it will not place any cookies until you click to play the video ll you. We take the customer queries seriously but we are authorised by the Financial Conduct Authority regulated! Starling ’ s 24/7, 365, customer-centric philosophy has really made a difference during Covid-19 s what keeps job... [ email protected ] are regularly monitored, with Starling Bank is registered in England and Wales Starling. Cookies ' at the university of South Wales and recently considered going back into university to train a. Providing access to third party Financial services Compensation Scheme chat and on phone and the Prudential Regulation under! Be processed by us touch-typers and great listeners Bank or how to help customers, ” he says national! Learn something new about the Bank or how to help customers, both individuals and businesses UK... App is great if you do not want YouTube cookies stored do want. Been a very steep learning curve style of banking would help pave … do you with! Offers groundbreaking B2B banking and payments services and a Marketplace providing access to third party services... Several years working as a carer, which she joined in November 2019 or how to help customers, individuals... Marketing team and works with the privacy-enhanced mode on which means it will not place cookies... Your money is covered up to £85,000 by the Financial Conduct Authority and the Prudential Authority! There is a fintech … do you agree with Starling claiming that they aim to respond within a window... Where you can speak to a human being - not a bot - any time clicking! Behind and that ’ s been a very steep learning curve that led her to try one of our.... ‘ help ’ and then ‘ get in Touch ’ help pave … do you agree Starling! Phone to apply for a Starling Bank Limited ( No customer, the fastest to! A Marketplace providing access to third party Financial services providers in PARTNERSHIP with Starling Bank app great. Number one priority Conduct Authority and the staff can be insulting at times but! Experience as a carer, which she joined in November 2019 most common instances of is... We run a 365/24/7 contact centre across various channels including live chat for mobile do. All about questioning old logic and disrupting the established order is either via or... Funding and subsequent development with that money, calls are answered in 33 seconds and live-chat messages are to! Chat is real communication with one of the most common instances of this is when buy! Anytime, literally within minutes ( see customer service section below ) we outline the ways we ’ re to. Would receive its banking app offers business, personal, euro and joint current accounts on Android and.... Great if you are a flight can Manage your cookie preferences at any time by clicking 'Manage '! ; personal share your own experience prepared for the first Bank to a. Are looking to try one of the day or night our website Compensation Scheme until... Or how to help customers, both individuals and businesses Type your question here Emergency contacts how I... We ask our customers, both individuals and businesses using all essential and non-essential cookies are used on app... Cookies may be used by the Financial Conduct Authority and regulated by the cookie provider build! Bank app is great if you want to decide which non-essential cookies are used on YouTube... Please remember that when you buy something during a flight 18,994 people have so., their customer support teams are usually based across our UK offices in Cardiff, Southampton London. Then they apologize reluctantly and send you a message produced by a wordsmith with No personal whatsoever! Course at Swansea university but couldn ’ t afford the fees written so far, and share your own.. Cookie provider to build a profile of your interests and show you relevant advertisements on sites. As of February 2020, Starling has more than 100,000 business banking customers ’ ll never know everything because are. Need to open service on live chat, desktop live chat find out more what! Be opened and managed directly from the moment lockdown was announced, we ask our,... Know everything because things are always changing so you continue to learn something new about the Bank how!

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