Bank Charges

Me and my husband both bank with Standard Bank. We both are concerned about the bank charges. I understand that there needs to be a fixed monthly fee. But why do the bank add so many other charges? My husband have seen on his credit card that you have charged him with the following: Finance charge, Cash finance charge and you have charged him service fees twice in one moth. On my current account I get charged a fixed monthly fee. But then you ask me a fee each time I send a proof of payment. I understand that you get charged when you use your overdraft or go over your overdraft. On my loan I have seen that you have charged me an interest fee twice. On my credit card you add a cash finance fee, finance fee and a service fee. I do not even talk about other charges. And why is it when I am investing or saving money at the bank I get very little interest but when you have a loan or credit card you load us with interest rates and charges. I think it is unfair. You guys are robbing the South African public. You have closed a lot of your branches and you have fired a lot of bank employees - long before Covid, so why do the South African bank customer pay so much in fees? I do not want to be rude, but I think you are taking money from the public. I think it is wrong. I understand that there has to be fixed monthly fees, but can you really justify in adding so much bank costs. I wonder sometimes if it is worth to have a bank account.

The other thing that I have complained to the bank a couple of times is when you make a purchase at a shop and it only reflects a couple of days later. So one have to wait a few days to see how much money you actually have available.