percysmith, thanks for the long reply again.

I am not sure what do you mean by Well I can "tolerate" more if this is happen in China, but not HKG. HKG is an international financial centre and they should do thing in international standard.

Those of transactions have not showed up as the final charge into my account. So it may be just the SMS issue with Citi. I know Citi sms notification has issued when the transaction got amended.

I withdrawn money in Citi Beijing. I keyed in 5000 RMB instead of 500. So when it showed me the amount in SGD, I cancelled it and changed to 500. But the SMS alert that I received show 5000, which later on I checked in my account. They deduct 5000 RMB and do reversal of the same amount and then the correct transaction is posted.

But the SMS alert is not "smart" enough.

so I have to wait until it got posted.

For Beijing case, I will forgone as it is with HSBC and I sicked and tired dealing with HSBC. I am probably in the "hate" list there!!!