Pay pay pay and pay

FNB - Ok so you charge R10 to send money to an eWallet (not understanding why so much even if the amount is only R50. Then when your system doesn't work you have a R50 cancellation fee... I'm imagining to simply push a button on a keyboard... and almost imagine no one has to even get up! (I'd pay for at least that!). Another thing why do you keep the R10 to send the money even when it doesn't go through? - I'm feeling a bit of skulduggery here but then again you are a greedy bank that has one goal -to take as much cash from people. Very disappointed as an FNB customer -aka a number in your system.