I literally didn't want to give this star as well. I struggled and wasted my time with this bank for FIVE MONTHS!! and did not get my account opened. There is a huge lack of communication within the organisation. and staff is not trained at all from branch to head office. The online call service agents are extremely rude and totally disinterested. The head office kept sending me to branch for documents every month and branch people take everything and say its done and after a month i received letter from head office asking for "MISSING" documents (which i submitted) and this circus kept continued for five months. Now I am not receiving any replies and updates from the bank about the account. I have never seen such horrible customer service anywhere in the world. NOT RECOMMENDED.