Terrible inconvenient security feature

There is an extremely frustrating security feature with Standard Bank. I have been trying to make a payment to my credit card account for the past 2 days. I can't seem to be able to create the beneficiary on my app because it says 'invalid account details'. I tried to log on to internet bank using my laptop and it tells me to call some number. I call them and they say if you do not usually log in with that device I should wait 24 hours? How does that make any sense? why can't there be some sort of authentication? Meanwhile my credit record I being affected, the bank is charging me interest on the account because firstly their app won't allow me to make the payment and secondly because of this senseless security feature? If some one is trying to log in to my account why can't they try again after the 24 hours anyway? This feature makes no sense at all and the bank is gaining from this inconvenience !!!