Capitecbank Reviews 136

Capitec is truly bad. Ot suck big time at customer service. I logde a complain of an online scam going on, scammers ising capitec accounts. Scammer get people to send money into their capitec accounts. But capitec couldnt care less. I mean i send them the accounts to investigate but up until now nothing . its a chance for them to caught these scammers but its not.there money so they unbothered.

Capitec is the best bank when it comes to digital banking..
Their app is so convenient now they’ve just introduced the license disc renewal system and my experience with its a top notch .. i renewed my disc on tuesday around 7pm that was after hours and i woke up Wednesday that my parcel is on its way and i was so shocked to receive it on Friday morning @8am … what i like the most is that every time they introduce something they investigate our expectations and do more than we expected❤️💙

I've applied for a product, was sent a reference and told I will be contacted within 48 hours. I was not contacted. Then I went into the physical bank for assistance, spent almost an hour there, just to be told the same (that someone will call me the next day, Ash made a promise and lied) - no one ever called. Ever since then I've been reaching out to Capitec and even contacted customer support. Just to be told again someone will contact me "soon"... when I ask a time and date, being told AGAIN within the next day or two... which never happens. It's now been almost two weeks with no resolution, no contact made, no response.
Plus on top of this I've had THREE Clearscore inquiries and one from another one against my name, enquiries made by Capitec. My score is great, my track record is fantastic, the lack is just THEIR service and response.

I've logged a complaint about funds dwelling on my balance since December. I asked the bank to reverse the funds if possible or release them rather than the funds dwelling in my account not being accessable but nothing has been done soo far ever since the 20th December and I was promised it will be resolved within 7 days ref 116297668

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

I would have gave Capitec a minus 5 star if it were possible. Yesterday I received an sms that payment of my loan will get deducted earlier this month, I called Capitec to tell them that I only get paid as per contract agreement. I holded on for an hour to get to their collection department, They tranvered me 1 times where after I end the call and went to their WhatsApp chat site. There i waited 1 minute for siphokuhle to answer. To no avail... later I tried again and chatted to Lauren who confirmed that payment will only get deducted as per contract. This morning I woke up and checked my bank balance, and the fkrs deducted the money. this were the second month in a row where they bridged the contract, I went on to their WhatsApp again and asked why to what I do not have an clear answers as of yet. As far as this person explained, Capitec have got a app that check their customers bank accounts the whole time to see if there i money they can deduct, it doesn't matter if it i a different bank. I chatted for an hour and a half, waiting time about an hour an ten minute in total, with no clear answer till. I will strongly advise any one to not do busyness with Capitec in any form!!!

not sure who is worse capitec or nedbank..

overseas transactions are a nightmare dont bring your money back into the south african banking system or economy bunch of crimnals

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.

Extremely dissapointed with the service provided by Capitec Bank. I contacted Capitec Bank in Nov 2023 to make payment arrangements on an existing loan, reducing my installments. They made this change for me and that debited the full installment the following month, I went into a branch and called the call centre only for them to say that they'd refund the money but would have to setup the payment arrangement again impacting my credit profile for a 2nd time. Disgusting customer services.

Cheap, but you get what you pay for. Customer service seem like they couldn't be bothered to make an effort. I have to send the same query in 3 times before they actually read it and provide a relevant response, and then it's only to fob me off without actually trying to help. I've been banking with them for many years but it's time to find a suitable competitor.

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

Absolute joke of a bank. DO NOT OPEN A BUSINESS ACCOUNT WITH CAPITEC. They operate in slow motion - not suitable for entrepreneurs who need fast updates and transactions.

Capitec bank lyttelton branch is the greatest of all I ever visited..all workers are friendly and shows happiness atball times..you'll never regret visiting that branch.

My account has been blocked for a week now for nothing I know abt this is the worst experience ever as my life is on hold I don't even have food for sething I know nothing abt I'm not happy with capitec I don't think ppl who don't have it should open it at all I'm not happy I want. To leave

Capitec is the worst bank ever they block accounts everytime we get funds what's this damn bank for if they block us for getting money in our accounts fix this ASAP account 1540633703 0825062152

Absolute nightmare dealing with this bank! They have no understanding or concept of urgency or customer service. Been having 5 days of absolute hell trying to get access to my business account since their OTP system failed on Sunday. Unable to pay a deposit for a property purchase which led to the sale falling through. They don't care. Their IT is still investigating why I'm not getting the OTP, really?! No one calls back, their numbers don't work, instead of transferring they cut you off, NO I am done with them. SPARE YOURSELF THE HEADACHE AND GO SOMEWHERE ELSE!!!!

Great customer service. Very short waiting times. Good interest rates. Banking fees recently went up, but still better than most other banks.

I missed a payment on a loan due to company downsizing spoke to and advisor wandee or wandy who was extremely rude to me showed no empathy when i clearly made arrangements with one of there other advisors as I'm a up to date payer but not working due to the mentioned circumstances. This advisor asks me why i left my job the last time I spoke to her I told her I was on leave which was utter lies and she says that she listened to the previous call so was acting as if i would lie . And put my self into debt for fun when I've being paying all along . I feel she is not at all happy in her job to make some feel more stressed out I feel this advisor is extremely rude and has no way of speaking to customer . Worked in a contact center before and i know that what i had was poor services cant wait to leave capitec after this loan is paid back . This is so frustrating and disappointing

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

My name is Katlego Moswete 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.

Remind me why I chose to trust your, right your wrong please.