Unreliable sms reminder facility and associated charge

I experienced a problem with a sms reminder for a payment scheduled for 25 June. As I leave the minimum balance in my current account until payments are due, I rely on these sms reminders. As I hadn’t received a reminder on the due date, I checked my account online and found that the transaction had failed as the balance was lower than the payment. Fortunately I checked on the date of the payment and was able to transfer funds to complete the transaction on schedule. I noted that I had been charged R 60.53. I take exception to the failure of Standard Bank: • In failing in its service to remind me of my scheduled and, • for the charge of R 60.53 for insufficient funds in my account to complete the transaction.