Honouring Fee

I have been with standard bank for years and always advised family and friends to switch to standard bank , but I will no longer do that. I was charged a R100 honouring fee on my mymo account. When I check my statement all my transactions do not appear in real time. If I swipe my card for a purchase on the 25th of a February it shows the transaction only went through on my bank statement on the 28th of February, yet the money was deducted immediately when I did the transaction. Every time I did a transaction there was enough funds in the account in real time. The only thing there wasn’t enough for was the monthly management fee of R4.95. Due to all the transactions showing processed 3-4 days later instead of in real time on my bank statement I’m not being charged R100 honouring fee for being about R2 short of the monthly fee and not the actual transactions. I sent an email to the complaints department on 15 March 2022 and have no received any response. I went into the bank and even though the consultant could see what my query is, they were unfortunately unable to help and just said I should manage my account better. All transactions are processed a few days later on the bank statement which has never been done before in the 10 years I’ve been with standard bank. I have never heard of an honouring fee until now. I think it’s just a **** to get money out of clients. Then my banking app and online banking profile gets blocked and I was on the line with the ***** department for over half an hour in the branch where I still up to now have no idea why it was blocked and my account “should” be open within 24hrs. Not having access online banking meant a I had to withdraw money and walk to a different bank to deposit it into someone’s bank account where I used to just always use my app to do immediate transfers and save time, but I couldn’t die to the blocking.