Well
1.) They don't know how their products work, e.g. credit card budget facility, internet banking, etc.
2.) It takes forever to get any reaction out of them - it took over 3 weeks to get an answer on an internet banking problem - and even that was incorrect.
3.) They keep sending my cards to random branches, e.g. in November they sent my one card to Cape Town, one to Century City and one to Blaauwberg - and don't seem to understand why this is an issue. Then after cancelling all the cards and reissuing them to Parrow (where I work), I emailed them an exact list of cards and names I was expecting, I then emailed them the exact same list again to confirm all three cards were there - which they confirmed, on my arrival they ordered the wrong card.
4.) Their fee's are ridiculous - the management fee is advertised as covering everything - but it hardly does.
5.) I've had my banker changed four/five times in two years because of high staff turn-over - I have requested another change as I can't handle my current banker arguing with every single request, e.g. as per 4, when they reordered for the second time the correct card, I asked that my girlfriend collect it, after the usual hassle they agreed - and then when I asked for a simple letter stating that she can collect it, the banker continued arguing - even though he's well aware that the last time they wouldn't let her collect it.
6.) One banker promises you something - then when the time comes, you no longer have that banker - and the promise doesn't count anymore (I now make sure all my correspondence is in writing).
This list goes on and on and on....