A payout showing as pending outside banking hours is queued, not stuck. A bonus balance that will not withdraw usually has turnover left, and the figure is on the offer. A page that will not load is usually the network rather than the account.
Each of those takes ten seconds to confirm in the account and saves a conversation.
A transaction that has genuinely not arrived, an identity file that needs resubmitting, a limit you want lowered, or an account you want closed. Live chat handles urgent cases fastest; WhatsApp and Telegram keep a thread you can refer back to.
Have the transaction reference or the round number ready, both of which sit in the account history rather than the bank app.
Not if it is outside banking hours. A request queues then and settles when the banks open.
Live chat for anything urgent. WhatsApp or Telegram when you want the exchange on record.
The transaction reference or the round number from the account history, and the time it happened.