Q: Y dose Apple keep taking money out my bank for free games

Look at your purchase history to see what you were charged for.

If something is amiss, then contact iTunes support.

Then contact iTunes store support and tell them. This is a user forum. We can't do anything about it.

That does not change the answer

Look at your purchase history.

If something is amiss, then contact Apple.

Many free apps have in-app purchases available.  Here is just one example:

See this support document. It could be just a hold to find out if your credit card is good.  iTunes Store charges on credit and debit card statements - Apple Support