FNB unexplained/uninformed charges when opening an account

My wife opened an account two days ago but just endless problems from there. firstly once she transferred money into the account to activate it there was an instant charge of R110 for a card re-issue calling the call center they inform us that there is a charge for the temporary card they give you in the branch when you open an account which was not explained to us by the agent and the agent said we needed the temporary card to activate the account. at the same time when opening the account the agent was going to give my a wife a sim card which she obviously made a mistake on that one as she let slip it was going to cost R10 which we were able to stop.

FNB seems to just add "features" to your account and not inform you of the additional charges or once off activation fees and expect you to just deal with it.

Regards,