I have SBI net banking facility for more than 3 years which I am enjoying very happily. In many occasion (mobile recharge, IRCTC ticket booking) while online payment, connection was timed out. But in each case a refund occurred within 12-48 hrs. I had to never complain anybody. This was about onlinesbi.com - the best net banking facility in India.
I don't have mobile banking facility, but was thinking for getting one. Now, I think I should not go or that. Its really painful if somebody have to go through the above process from his busy schedule in these days.
@ b_roy: You may lodge a complaint at http://www.consumercourt.in