Money App conceals better exchange rates, costing me R12,000

Money App conceals better exchange rates, costing me R12,000. It offers only “Accept”/“Decline” for international receipts, offering 3.2% fee on the daily rate. Over the weekend, I accepted 2 payments, fearing a ‘Decline’ would return the funds. Called Nedbank that day to negotiate, and the agent confirmed the Global Forex team was unavailable weekends but assured me the transactions would take 2–3 days to process, promising a call Monday to agree on a rate. I provided references, and a service request was logged. Yet, Monday, the transactions processed at the high rate without contact. My wife later got a fee of 0.6% off the daily rate by calling the Global team—info the app hides. Nedbank dismissed my complaint, saying I “accepted” the rate, ignoring my call and assurances. Why no “negotiate” option? Why process against my instructions? Why hide better rates? Nedbank - add a “negotiate rate” button or charge reasonable margins. ********* Nedbank!