Capitec Bank Reviews

Name: Capitec Bank
Rating: 1.92

1.9 Rating 333 Reviews

22 %

of reviewers recommend Capitec Bank

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1.9

Based on 333 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Courier
On-time Delivery	Greater than 27%
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Over A Week
Customer Service	2 out of 5

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Capitec Bank 3 star review on 26th June 2025

Ayesha

Capitec Bank 2 star review on 12th June 2025

Owen Carleton

Capitec Bank 1 star review on 2nd June 2025

WhatsApp Number (+ 4 4 73 88 6 97 9 58.) Help Me When I Was Deceived By Online Investment Company

Capitec Bank 1 star review on 20th May 2025

Anonymous

Anonymous // 01/01/2019

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“Tryed to open a business account with capitec,went in to the branch and they could not assist me,had to work through a call centre.Struggled for 2 weeks and still nothing.So i went to FNB,20 min in the branch and everything was done with great service.Capitec should step up and improve their client service”

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Posted 1 year ago

“Good day How do you expect people to trust a bank that is not able to prevent theft from accounts then denies that it is possible instead of trying to find the solution????? A large amount of money was stolen from us. Someone seemed to have hacked our account and stole R11 000 from us. We phoned yesterday and was told that if the money is availble in the other account we could maybe get it back after 60 days. When I phoned again today I was told that the insident was never logged and it is impossible for someone to steal the money that way. Capitec refuses to fix their gaps in security and blames the consumer for the problem”

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Posted 1 year ago

“My name is Katlego and I've been a client for over 10 years now. It's been a week since I've been waiting for someone to call me back regarding my application for a POS machine. I made several applications online last week 28th August and yet nobody called me back. I called 2 days ago and received the following reference number Ref 110120713. I've also attached the first online response I got as a screenshot. I am in urgent need of this service and I was counting on a speedy service form your side and I've been sadly disappointed. My bank has become way too big and busy to assist me.”

Capitec Bank 1 star review on 7th September 2023

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Posted 1 year ago

“If i could give Capitec a 0, I would. I have paid off my credit card, only to be told there is an additional amount i need to pay. How can u charge me interest on a 0 balance? Never again will I use capitec!!!”

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Posted 1 year ago

“I have not been able to access my app since April 2021. Been to the branch several times, without any joy. Now, when I am trying to sort out a payment that has been stuck, the agent cannot assist me, due to this. As I do not use the app, I cannot receive the code. I am done with incompetence. Will be moving to another bank that is able to helo and understand what my problem is. Since being a Capitec Client, I have not once had a positive experience.”

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Posted 1 year ago

“My bank account was be hack. Transaction was done and I didn't do it. Between the consultant manager and head office people I have received my money back. Thanks Capitec branch in East Rand Mall Boksburg.”

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Posted 1 year ago

“For 3 months my wife and myself have sent in circles with a problem with the internet banking Seven years ago my son and his wife had the problem , the moment the banking app is upgraded. your account can not be entered as your finger prints have to be used . If you are out of South Africa how do you get your account reactivated. Seven years ago The C.E.O of Capitec Bank sent two token generaters for my son and his wife through myself and my wife . We had these sent to my son and is working 100%. My wife and myself have been sent around in circles for 3 months and today I found out that Capitec Bank wants to stop the token generaters with out notifying the client's. Both of us can not make payments on the Internet Banking being blocked to make payments every things work up to making payments then the message is Internet Banking server error, the people working in the branches try to help are also put on hold 45+minutes. The Capitec Customer Care, Capitec help desk and complaints department do not help stating that the I .T department would fix the problem but to no avail. You are put on hold for long periods waiting for them to sort out the problem. Siyasanga Blayl , of the Complaint Management officer can not help .She stated that the problem is by us. She was phoning an incorrect cell phone number. We have requested that the C.E.O of Capitec Bank contact us but are told that they do not know how to contact him . This a very poor reflection of Capitec Bank”

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Posted 1 year ago

“I am only giving 1 star as there is no option for 0 I have been with Capitec Bank for close to 10 years, I work at good company and earn a good salary which comes into my Capitec account each month. I have been trying to apply for a R80 000 loan or credit card for the past MONTH and I keep getting rejected, No one calls to let me know the reason why, I call Capitec everyday to follow up and keep getting told that someone will call me, or I keep getting transferred to different department's. It seems like no one at Capitec knows what is going on and how to do their jobs I have had the worst experience with this bank and I will be moving to another bank that can actually help their customers and provide guidance when needed The customer service is horrible , people are rude and DO NOT KNOW HOW TO DO THEIR JOBS!”

Helpful Report

Posted 1 year ago

“Capitec Empangeni branch have majority of rude staff who cannot even greet as you enter. My card was stuck in the machine at 7:30am and I was told no one could assist me. When I asked for the manager I was told to wait fir G4S services. My helpdesk number 10 assistant "Sisie" quickly called the next customer without assisting me. 2 August 2023 The host has been the only person at the branch that showed sympathy towards my situation this morning. But I am very disgusted in the service at this branch, they just do not care about their customers. We are treated like sheep or the next customer is a goat on a livestock farm.”

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Posted 1 year ago

“This is the worst bank ever sent money to another bank they promise 24 hrs don't trust they lie it beyond 24 and they now claim that money sent on Thursday after 4pm will only be received on Monday..... The worst part is am pay for my Unisa studies with a delay of Friday because their app did not accept my payment into Unisa I had to send it to another bank this has been a nightmare never again I guess it really is not a bank but people making money of us”

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Posted 1 year ago

“Capitec can't even reverse a transaction that you made online. Very disappointed by that.”

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Posted 2 years ago

“Excellent service from Melikhaya at Capitec rosebank mall. Thank you so much for your service, hope your colleagues may learn a lot from you. This branch is nothing without you.”

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Posted 2 years ago

“Capitec phonelines as well as WU lines not available. How do I communicate with a bank if there are no lines available.?”

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Posted 2 years ago

“I waited in the que then I am waiting for people to ANSWER so 🤷 I can be assisted. The lady waited and waited for them to answer the phone. Very very very bad service from Capitec. How can the people work is Capitec don't answer their phone”

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Posted 2 years ago

“All my money for the month was deducted off my account on the 23 June 2023 from a purchase I made at checkers on the 19 June 2023 . Which was also taken from my account. When I called I was told it was a problem with the Nedbank machines and the problem has been escalated. This is theft from Capitec I do not bank with Nedbank I have a Capitec account and I did not authorize Capitec to steal my money from my capitec account. When this problem is resolved I will not be using Capitec again. If this is not resolved quickly I will lay a fraud case.”

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Posted 2 years ago

“The most unfriendly people I've ever met they cannot even carry themselves professionally when you come in to the bank they make you feel unwelcome as if they doing you a favour I've had many bank accounts the overport branch is the worst capitec ever though I went to any other branch and they are so welcoming and so helpful overport branch is terrible service”

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Posted 2 years ago

“ALBERT BOTES!!!!! If you have never experienced service - make sure to meet up with Albert. Not only does he have a warming personality, but he most certainly knows what he is doing and is very professional! A definite asset to any company / business. I wish you nothing but success for the future and to accelerate in your career. Thank you again for an awesome experience.”

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Posted 2 years ago

“We were at clearwater Capitic and was helped by Scott. I went to help me with my app with in min we were done he helped us with the capitec sim card and that was done in min for my myself and my daughter thanks to Scott big ups thank you for the help i love capitec clearwater.”

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Posted 2 years ago

“I put in money in an investment company with high hopes of making more Ps for myself but to my disappointment, when it was time to make a withdrawal it became an issue they started asking for tax fee, withdrawal fee and lots more. I was recommended to E f f i c i e n t N e t H a c k on Gmail. where I filed a complaint and I was able to get my money after meeting certain requirements. Thumbs Up guys..”

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Posted 2 years ago

“Capitec Bank is a con man.!!! They put me on a six months plan not to get loans from anywhere without my consent. The consultant said 3 months. I called today another consultant says it's 7 months not 6 months, I get transferred from dep to dep for the whole day.... let's all just move from this bank.. it's benefits from the white system, target the poor and such them dry until dead, after all they just bloody blacks right.. piece of 🗑 carcassonne......”

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Posted 2 years ago

Capitec Bank is rated 1.9 based on 333 reviews