What are all these charges monthly?

Maybe I misunderstood but when I opened this account , I was assured of all the benefits and a fixed fee to pay monthly. I understand that returned debit orders should be charged but R130 + for this is ridiculous! Other accounts offered have no charge or very minimal costs why am I paying over a hundred rand?<br> <br> I cant keep up with things as is , I expect my bank to be working in may favour not against me , how can I cut down the costs on banking fees?<br> <br> <br>