Capitec Bank Reviews

"I wish there is an option to give a ZERO star. Capitec Customer Care line is an absolute waste of time to phone. And their WhatsApp option is even worse. They might as well just delete the WhatsApp service alltogether, because their BOT knows nothing. You cannot do anything on the WhatsApp line at all. I have been trying for 4 HOURS to speak to a person in their Legal Department. And nobody picks up the phone. All I hear is irritating music that eventually stops playing after 30 minutes. When you try to call the Legal Department directly on 021 941 2230, a machine tells you that \"your call cannot be completed right now. Please hang up and try again later\". HOW MUCH LATER CAN A PERSON CALL YOU???? Disgusted client."

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"The capitec app always has these \"planned maintenance\" around 1am and 3am where the app is unavailable. It is very upsetting, because first of all, why isnt there any notificatio, email or pop up to say that the app will be offline... It just is off for no apparent reason, and most of the time there is little to no changes!"

"If the was a -10 I would give this bank, I queried the unauthorised Vodacom debit order and cancelled it about two months ago, they never bothered to get back to me nor action it. I guess it is mass banking hence the extremely poor service."

"I just noticed that after my debit order goes off, the usual interest is added plus additional costs. But two days after more interest and costs are added. And this has been for months at a time."

"Capitec bank is worst there is no bank as bad as Capitec Bank. Every week they send me messages i must apply for a credit cart with them. Now i have applied for a credit card with my credit score of 842 so its excellent. and i do have another Fix savings account with more then R700000.00 and Permanent Job and good salary now i don't qualify for a R60000 credit card. Bull**** reason affordability. i don't own nothing on my other accounts all paid up. Why do they send letters that you can apply for a credit cart. I going to close all my accounts with this **** bank don't need them. Have my Capitec account from 2016. People this bank is bad news don't waste your time and think you going to get somewhere with Capitec.\r\n\r\nI do have 2 Credit cards with other banks and they treat me very well the only reason why i thought of applying at Capitec is to cancel the other credit cards and just use Capitec as my salary is bank at Capitec.\r\n\r\nPathetic Service and the worst bank in South Africa\r\nOn the 1st of Feb 24 I received a email from Capitec (Nadine Arendse) Stating she is trying to contact me regarding this matter. I phoned her 2 time and was told she's busy let message to phone me. She retuned my call as was apologizing about this case. and ask me to send my latest pay slip to her, I did that the same day. On the 6 Feb 24 at 7h55 I emailed and ask if there is any feedback. I send a second email at 16h20 on both emails i have received Request read receipt. On the 7th i received a email from Abigail Van Wyngaardt Kindly note we have escalated the matter to our Direct loans team for assistance with a credit application, once feedback is received, we will be in contact with you.\r\nUp to now i have not received any feedback. Pathetic service im closing my accounts asap there is better banks. Please read the media about Capitec. Just Google worst bank in South Africa.\r\n\r\nOn the 16Feb 2024 i have received a SMS from this Pathetic Capitec bank. The SMS read as follow: Your credit application was declined because your employer is not listed with Compuscan. What a joke of a bank. In the mean time i have applied for a credit card one of the major banks and was approved in les then a hour. People don't waste your time with this Capitec bank there is nothing good about them.\r\nIncident# 115565366"

"You guys are by far the worst bank ever to deal with not only that you guys are thiefs take money and then lie to say it's been refunded then require me to prove I have not received it . Definitely not a bank I ever want to deal with again. Still waiting 2 months later"