Capitec Bank Reviews

Name: Capitec Bank
Rating: 1.89

1.9 Rating 349 Reviews

21 %

of reviewers recommend Capitec Bank

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1.9

Based on 349 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

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

“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

“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”

Capitec Bank 1 star review on 20th November 2023

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Posted 1 year ago

“Capitec bank is useless shame. I requested a proof of payment for a payment that doesn’t appear on my statement but I used their app,I told them I need it as soon as possible. I was promised it will be sent to me after 72 hours, after 72 hours still the was nothing. I went to the branch after 7 days the consultant told me she requested it and promised to send it the very same day and she didn’t. Now I have to go back again just for a proof of payment, capitec has poor client service.”

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Posted 1 year ago

“Just spoke to one of the consultants named Andiswa. Girl was so rude and not even helpful. I honestly not happy with Capitec bank. Very bad service they offer to clients!!”

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Posted 1 year ago

“So now Capitec decide where you spend your money im changing banks you cannot do a paypal payment or pay internationally bery bad service my money i can choose to spend where i want !!!”

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Posted 1 year ago

“I am utterly disappointed with Capitec, since last month I have Dropbox deducting money from my Acc and when I called they said they can’t reverse the money. Now I keep losing R430 from this. Even the app doesn’t have the option to report fraud. Capitec system is poor!!”

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Posted 1 year ago

“Capitec should sort out the banking app, I bought electricity once only to receive 2 tokens and charged twice. Then after contacting Capitec I was informed that they are not able to reverse it even though it is the Capitec app that caused the problem. Capitec ur banking app is a mess!! I was informed by an agent to contact the municipality, but to make matters even worse now I am able to log into the Capitec app but when trying to view the tokens that the app purchased twice on my behalf it just freezes and I cant get the token numbers to try and sort out the mess the app caused. The only thing Capitec says is "Sorry for the inconvenience" , but you know what other debit orders don't understand that the Capitec app malfunctioned and there is not enough money now. Why am I the one to sort out the mess the app caused???”

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Posted 1 year ago

“Not reliable,don’t trust it zero star where are you??”

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Posted 1 year ago

“I’m so annoyed with this bank. I transferred money to wrong person and I called immediately, and they said they can’t help me because I am the one who transferred the money. After that they keep on the line to contact the person and come back to me to say, oh we can’t reverse the payment because it’s his account. Not continuing with this bank and I suggest people watch out for their money cz this bank has no interest in its clients. Very much annoyed”

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Posted 1 year ago

“I reported a fraud incident 30 mintutes after a made the deposit. I was told by the consultant that I can only open a case if the money is still available. Whilst holding on the line , the consultant called the third party bank to advise them of the incident. I was told that the money is available and the account has been frozen. 3 Months later I was advised that the money has been withdrawn within a period of two days. How is this possible if I reported 30minutes after the incident? Absolutely dismal service.I am going to escalate this matter.”

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Posted 1 year ago

“Charges interest on a R0 amount. Highway robbery. Looking for ways to overcharge customers. Goodbye Capitec, will never use your useless bank again!!!!”

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Posted 1 year ago

“CAPITEC steals your money, inside job! account cleared of all funds and closed despite stating that they detected fraud. The fraud investigation took too long and the funds were not recovered despite knowing that they had gone to Nedbank. Then state we are not insured.... what bank allows fraud and then states they are not liable. What sort of bank allows funds to be removed and account closed without your authority.... your a disgrace.”

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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 2 years ago

Capitec Bank is rated 1.9 based on 349 reviews