Standard ********** acts

I have been using Standard bank for sometime now. I am using my account to purchase online. Last few weeks they shock me when they deducted my money. I checked transaction on my app immediately it was said that the transaction went to honoring fee, I purchased online with shortage of money, its a lie theres money in my account always sometimes I always have change after purchase. I asked them to make my card to decline if there's no money they told me its how standard bank operates.

PLEASE HELP