Reversal of payments at Standard Bank

The Standard Bank excels with uselessness especially when one is in dire need of their assistance. First it was pathetic internet banking account which could not be resolved at a branch plus at call centre. This then meant every deposits must be made at their ATM .

Today I went to make various deposits as usual at the ATM and somehow got the bank accounts mixed up. Upon discovering that anomaly which was in actual fact less than 5 minutes I immediately went inside the branch for assistance. Was assisted at the branch, a big NO.

Standard Bank cant reverse the payment made in error which is opposite of their competitors FNB. I was given long story that the recipient must first give consent. This is far surpasses logic to expect a recipient paid in error to have audacity to agree for a erroneous payment to be paid back.

What make matters worse is that the recipient is Emfuleni Municipality which is in deep financial crisis. Does Standard Bank honestly that less resourced municipality under administration to agree to return the money paid in error?

It took me 5 minutes to report the erroneous payment but the Branch could not assist, does this mean this R42 000 is down in the drain?

Why must I trust this bank with my money in the near future if they unable to reserve a minutes payment made in error?