Unable to add beneficiaries in internet banking.

Unable to add beneficiaries in internet banking. I phoned headoffice, I went to the branch (spent over an hour there), I phoned headoffice AGAIN, and we still can't get it right.

There's a couple of problems 1) can't add beneficiary as I'm " not activated for sms authentication" - but I do get sms's. 2) my daily online transaction limit is R1... I filled in and signed the necessary forms in the branch... but it's still set at R1.