Regarding the reference… at no point was I given a reference to use and there was no opportunity to amend/add a reference when confirming the transfer with my bank anyway. However, there is a reference on the transaction when I view it on my banking.
Is it being passed automatically by the app when topping up? If not and the reference on it is just some standard one and not my GIA reference it’s no wonder its taking forever. But as I said there was no opportunity to add an additional reference anyway.