Oh and for a couple of you who asked if I was looking to keep kyc and nkyc separate, the answer is no. That is exactly the point of this consolidation. I figured that if you make mixed payments, you pay a ton of fees but statistically each new payment could be a genuine payment? 

But yeah I didn't think about change... 
I guess I'm a noob. 

I'll check those options you guys posted. 

I'm in the UK. It's all happening here. Who would've thought we would be the first ones to poke the bear?!