WORST ADVICE EVER FROM BANKER

So Standard Bank caps immediate payments from my account at R200k. I want to buy a vehicle for R280k. Why can I not use my own money as I see fit? Who gives you the right to withhold part of my money???? So the excuse is *****!! Now, I contact the prestige banker to ask what I can do to make the full transfer in one transaction. Her words of wisdom is to transfer the remaining balance to another Std Bank user and ask them to do an immediate transfer to the dealer!!!!! Seriously, if that is not high risk then what is? Will Standard Bank take responsibility if something goes wrong with that transaction?? How do I trust my baank when the banker gives me advice like that?