If your tap water contains chlorine, that gasses out on standing so you have the choice of using it straight away and adding water conditioner, or letting it stand for a couple of days and not using water conditioner. With chlorine, you don't need a water conditioner which detoxifies ammonia.
Chloramine, on the other hand, does not gas off so where it is in tap water a water conditioner must be used. The ammonia half of chloramine shows up in the ammonia test which accounts for the small ammonia reading in tap water. Water conditioners split chloramine into ammonia and chlorine, they remove the chlorine but leave the ammonia in the water. The filter bacteria and/or plants will remove this ammonia, but it takes time for all the ammonia to reach the bacteria/plants. Many water conditioners also contain a chemical to detoxify ammonia for around 24 hours, by which time the bacteria/plants should have removed it. Assuming the tank is cycled - with bacteria, plants or both - there should not be an ammonia reading 24 hours after doing a water change.
Chlorine/chloramine harms fish, which is probably what is happening here. During cycling, if tap water has chlorine this will gas off after a day or two allowing the bacteria to grow. But if there's chloramine in the tap water this won't gas off so the bacteria will struggle to grow.
Chloramine, on the other hand, does not gas off so where it is in tap water a water conditioner must be used. The ammonia half of chloramine shows up in the ammonia test which accounts for the small ammonia reading in tap water. Water conditioners split chloramine into ammonia and chlorine, they remove the chlorine but leave the ammonia in the water. The filter bacteria and/or plants will remove this ammonia, but it takes time for all the ammonia to reach the bacteria/plants. Many water conditioners also contain a chemical to detoxify ammonia for around 24 hours, by which time the bacteria/plants should have removed it. Assuming the tank is cycled - with bacteria, plants or both - there should not be an ammonia reading 24 hours after doing a water change.
Chlorine/chloramine harms fish, which is probably what is happening here. During cycling, if tap water has chlorine this will gas off after a day or two allowing the bacteria to grow. But if there's chloramine in the tap water this won't gas off so the bacteria will struggle to grow.