Capitec Bank Reviews

Name: Capitec Bank
Rating: 1.94

1.9 Rating 308 Reviews

23 %

of reviewers recommend Capitec Bank

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1.9

Based on 308 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	Under An Hour
Customer Service	1.9 out of 5

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Capitec Bank 1 star review on 11th May 2025

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“horrible online system. hardly ever works”

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Posted 1 year ago

“What ever you save on transaction cost and admin fees you will lose on Airtime when you want to query transactions etc. Turnaround time with feedback can take WEEKS. Rather bank with more professional banks.”

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Posted 1 year ago

“Capitac bank its a nightmare they have too much hidden charges and if you go to ask about it oh god!! They know how to lie about it. WORSE BANK EVER!!!”

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Posted 1 year ago

“Capitec is a very useless bank..it takes to long to process people's money..very useless bank..it's nothing compared to absa nd standard bank”

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Posted 1 year ago

“We paid R10000 into Sameone business account wich it was capitac to capitec but guy he didn't receive the money. When we visit to there Branch they say money is pending untill to day, been week aready waiting for they call Please guys don't use or keep money more than R3000 And those who is using capitec better change it”

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Posted 1 year ago

“We want to open a business account for our small business. First time, no response and no contact. Second time got the account registered now the bank states we have to put 700,00 in the account to activate it. Went to the bank, 15/03/2024 and was told that the systems were off and that they would call me. Still haven't received a call and we explained that we don't want to re-register. We don't want another account number, we want to keep the one from the registration. What bad customer service is this? No call backs, no emails, no feedback. Sick and tired of bad customer service. Must I take my business somewhere else?”

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Posted 1 year ago

“The service at the branches is good but limited. The response from the Client Care is consistently bad, unfriendly and useless. The agents are arrogant bossy and couldn't care at all about the client or their problem. The systems are pathetic and they say it can't be change. A new IT consultant is definitely recommended. Should one ask to speak to a manager one is told they can't put you through as they do not have any manager's number. Managers all seem to build a protective wall around themselves, so they don't have to deal with complaints or do anything about improving service. They are drawing fat salaries, why look for work. A truly disgusting bank.”

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Posted 1 year ago

“You change your app, you pause account, you make it impossible le for someone living overseas to keep their Capitec account! As long as you are making money from the account it is fine! I cannot afford another £1000 to come sort out your admin insufficiencies. I am horrified at your actions or rather inaction and very poor customer service!”

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Posted 1 year ago

“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. I 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. Pathetic Service and the worst bank in South Africa On 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. Up 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. On 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. Incident# 115565366”

Capitec Bank 1 star review on 22nd February 2024

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Posted 1 year ago

“I was defrauded of $120,000, which was a terrible experience. notified the bank and closed each and every account. Police report filed; FCA notified of anti-fraud. They discover a gap in the law requiring them to reimburse their clients for the money. In order to look into my loss, I opened a CASE VIA the KEZOOK. They gave me a satisfactory offer after they ACCEPTED helping me get my money back. I am providing this information because I am aware of how challenging this circumstance can be. They When I ask the scammers to restore MY lost money, they initially refuse to comply with the process. The matter is then investigated at various levels, and KEZOOK FILED A FRAUDULENT CASE AGAINST THEM TO HELP ME RECOVER MY LOST MONEY. an adjacent bar. USE THIS PLATFORM TO CONTACT THEM: www. kezook. com”

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Posted 1 year ago

“Capitec allowed debi check that i declined.”

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Posted 1 year ago

“Scam and robbery from capitec..declined policy claim with invalid reasons...you eat hard earned people's money...i hate this Bank with all my heart ...You are soo pathetic ..you such liars and scamers..you should be ashamed”

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Posted 1 year ago

“Fraudsters at capitec kokstad branch...declined claim of the deceased they told it has lapsed but not within 31 days ...A client deceased now they tell me that i renewed my policy contract on the day he died but i had to renew it after I've seen that they did not deduct the money from my bank acc...cruelty and fraud from this Bank”

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Posted 1 year ago

“Only gullible people "invest" money with dodgy websites with no known business, no reputation etc. No address also a very bad trust index, many bad reviews on the Internet, domain is less than 6 months old, the owner of the domain name is hidden, it's a short life expectancy domain. All thanks to galwayreliance.com they help me recoup my funds...”

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Posted 1 year ago

“Good day Capitac i called capitac customer care and i spoke to mzi while i was explaining he hanged up on me and lot of unauthorized transactions are happening on my account then you find someone like mzi who doesn't care about customer complaints”

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Posted 1 year ago

“Someone please explain to me if I am overreacting or not... This morning (02/01/2023) just after 09h00,I deposited R8k+ st an ATM in Woodmead Retail Park. The ATM screen read "Transaction Cancelled", and spat out my business card. Went immediately into the branch so that they could assist me. We sat on the line until 11h00 only to be told the matter takes 7-14 days to be investigated and resolved. The thing that comes to mind is, what happens to my bills for the 7-14 days that Capitec thinks is a good enough timeline to resolve a matter such as mine? Is there no batch close on each end of business to see how much was in excess to what Capitec has records for? For a matter that I have nothing to do with, this whole thing is nonsensical! That's Capitec's ATM not mine. You just need to release my money and fix the error on your end. And dare I see one response saying "we have escalated your query and have given feedback..." The matter here is 7-14 days, which is totally unacceptable.”

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Posted 1 year ago

“ATM deposits at norwood branch never work so they can charge you more inside the bank. On the one day a week they do work the queue is so long it would take over an hour to make a deposit. Staff couldn’t care less when complaining about their lack of maintenance.”

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Posted 1 year ago

“Capitec Buss, block your account, and even when they receive the Fica documents as requested, to get the account operating again takes for ages. Worst decission ever made to make use of them. The Buss section should go and learn from the normal Capitec.”

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Posted 1 year ago

“My internet banking was hacked and the smses weren't coming through that money was going out my account. Reported to fraud department, still waiting 8 months later for Capitec to give an update and give me my money back. The tracking number doesn't even exist anymore for me to track it. Disgusting service and over 10 grand gone.”

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Posted 1 year ago

“I deposited 20K to a Capitec ATM on Saturday. While counting the cash it went out of order. I've been waiting for the investigation since then. Its festive season and I'm down 20 grand!!! Give me my money and close my account while you're at it.”

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Posted 1 year ago

Capitec Bank is rated 1.9 based on 308 reviews