Regret banking with standard bank, complete failure

On the 29th of november 2025, a transaction was made in my account at 00:03, which ammounted to R10 000, no OTP was sent to me for approval. I noticed the transaction in the morning when checking my banking app and after I reported the incident to standard bank, I'm told that based on their findings I approved the transaction but how could I approve something when I was in bed sleeping, they claimed that no sim swap was done, so I'm the one who is accountable. Standard bank is a whole *****, I banked with them thinking my money is safe. It doesnt even make sense on how could I wake up immediately when money gets into my account and use it on a transaction I know nothing about. They even fail to provide me with proof of what they are saying to me, so I must just accept that money was taken from my account on a purchase I know nothing about.