Handle banking tasks smarter, then you don't have to complain.

Capitec is the best. People just come too complian. Interest may be high (and if applying for a loan but they declined after giving documents don't get upset, how many SMS's does one get saying you pre-qualify but when applying they say sorry?) but they have to make up for almost next to nothing fees. Just transfer bulk of money to savings pocket. And top up as you need cash in a few seconds. Even online ***** can be avoided like this. A lot of times it's your own recklessness (don't forget stupidity) or a family member that causes unknown money disappearing.