Unnecessary charges from standard bank

Unnecessary charges from standard bank i had experienced this with personal acc and business accounts. I sent money to my account and went to swipe booking accommodations ok to cut the story short i only swiped there and the amount moved from available to latest. Meaning you cannot access that money. But my problem is that the bank it's self can access that money. For example my account is having 2000 i swipe 1900 available balance 100 then i swipe 100 then balance is 0. Standard bank will come and charge you R5 for what what charges my problem is that standard bank you charge from the reserved R1900 what is waiting to be banked by i have swiped 1900. When the owner of 1900 want to bank the money they find it shorting standard bank again will charge me for unhonored fees. This happened to me not once not twice more that. Please standard bank must improve their system. The bank should not be able to access the money reserved to be bank by recipient. Because it is causing us unnecessary charges.