The salient points you raised in this post is always the major issue of convern everywhere in Africa -- no exceptions!
There's always undeclared hidden charges by by financial institutions of all types in most African stetates if not all. One begin to wonder if the government has a hand in this because I personally do not understand what national/central banks are there for.
@gavvet i think we bloggers should use our instrument of pen to fight this; keep writing and shouting...one day our voices shall begin to count. Thanks for raising this issue.