tricky one...one the one end you have to assume that there is a degree of price fixing as I know if I go to say standard bank on offer to move all my accounts over to them worth about R10m if they better the rates I get from FNB they'll just tell me to get stuffed. Now if there were competition theyd at least say bring in your statements and we'll take a look at it. But on the other side they can always argue that our charges are so high because of crime. Nowhere alse in the world is transporting and storing of cash as expensive as here due to all the cashintransit heists atm bombing robberies fraud etc etc etc... Maybe a solution is to make each bank put 30% of all bank charges into a trust account and form a privte security force which is poactive to bring down at least one aspect of crime.