Why have an account with standard bank if I cant use my money inside the account

I am writing this review with help as I'm 67 years old and struggle with English so bare with me.

I have been with Standard bank for years. I stood at a till speed point and could not understand why my transactions kept declining and with the help of the lady at the till realized that my card had expired... Never the less I went to the bank the following week to get a new card and was informed that I must wait as a new card will be ordered. I patiently waited until received a call from the bank stating my card has arrived and that I can come and collect it. This is where my problems started first after 1 hour I was assisted and eventually the guy said after helping thanks for your patients your card is active and everything is in order on your account....

Worst nightmare ever .... firstly none of my recipients was linked and could not be paid from the new card, all debit orders declined on my account, I paid R160 for the new card and could not use it online only at a speed point. Went back to the bank only to be informed that this is a ''hot card'' and I need a new card again...So again a new card was issued I also requested that they correct all changes they made on my account as I was only to receive a new card with all the same settings....With a red face I swiped at numerous speed points only to have the second new bank card declined again and again... so I phoned and as per the call agent it must be the retailers speed points... So I have a bank account that has money in but I cant use it this is so disappointing to say the least. I am an old lady that's language is Afrikaans, I was only assisted in english and even had to speak on a standard bank phone to someone also in english I cant understand everything that gets explained to me. This is not my mistake so why does it keep costing me time and extra money just not to be able to use a bank that charges me monthly fees etc. and then R160 each time for a new card.... I need assistance from someone whom will be able to assist me in afrikaans please and I don't have time to go to the bank over and over again. Please can someone make an appointment and come and see me in Polokwane to get this sorted I am going to be out of town for the next week but I need this sorted