Post bank is such a scam any one want to become a new users be aware. They wont release your money when needed, they would take time because in the time they can gainprofits with the customers money i.e in their own share markets and so on and earn profit with customers money (that's what any bank would do but with ethics and not like this) their app would never let you open the account. In the background they get extra time to use your money to gain more profits for thrm selves. At the mean time the customers who needs their money for urgent need would havr to end up late payment fees or debt collection from their vendors.