Banking Charges

For over 20 years I have been a customer of standard bank both in business and personal recently their banking charges have become ridiculous I had an unpaid return fee of R147 on small items like R500 about in April it was R60 then again in July I had one and it was R147 how do you justify your pricing when you don't have that many staff anymore with retrenchments and stuff and everything is supposed to be automated why is their such a huge cost on something like that when it is electronic??