Unfortunately, they are not all available from their websites. Some features are ONLY available from the SIM menu (credit management, for example, the most important). Some others are available if you do go personally to a service representative. As for the banks, go figure. I think that is because they already have some kind of technology that has been tested and works with all phones (those that have SIM menus and wap access, that is) and they don't want to change. The other option would be to access from the web browser with java, if it was available.