I Need you to downgrade my Grandmother's Fnb account

My Grandmother is receiving her pension grant via FNB FNB Charges her a lot She went to complain and was sold expensive account Aspire

Which PAYU is cheaper because bank fees is about R5.50

I took her to downgrade it that lady was not interested and told us cards where finished her account is R66 why open R66 account when there's R5.50 account to offer pension money grant is not enough for that charges She's old and have know idea why her pension money always short about R100 no this is wripoff