I opened an account with PayPal but never used it but when I needed to use it they never gave me trouble
And they kept me informed through emails if they were changes in their policies, so I recommend it to others
Sometimes saving a few dollars is not worth waiting a couple of months, so rather buy whatever you need in your own country, waiting will stress you, only buy from Alibaba if you are selling to friends
I have seen different banking apps from friends but they user interface is boring and difficult
But FNB app is so easy and safe even if you have a password it won't work on any other phone or laptop.
If you are in Africa try this bank