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I would also suggest staying with Standard Bank. We have had no such issues with them, and they seem okay, and I also don't think prices are that much different from bank to bank. One of my readers has suggested Investec for their excellent service but I don't know if they offer loans.
See full article with reader comments here: http://www.joburgexpat.com/2012/03/opening-bank-account-in-south-africa.html