Capitecbank Reviews 

I would like to commend Sinazo at Capitec Bank in Makhaza, oh wow she knows her story in terms of service. She was very kind to my shy teenage daughter,she went through the whole process of opening an account for her and also gave her a big smile with positive compliments. Thank you for being kind and acknowledge the the clients 🥳🥳🥳✨🎉

This bank needs to fall! And fast! Wrong debit order date and its my fault. No one wants to hear me or accept my plea so my credit score will take a hit for no reason. First and last bloody time using them for anything. Screw all of you! IF YOU KNOW WHATS GOOD FOR YOU, DON'T USE THIS PATHETIC BANK.

I was assisted by Sweetness at Palm Springs Branch.I had a good service with her.She communicates with clients very well

I'm only giving them 1 star because of their user friendly app and cheap transactionals, other than they are not a good bank to be loyal with, I've been banking with them since 2011, now I need their help with debt consolidation but they weren't even interested to have a chat with me, all they do is decline you via the generic e-mail, they'll never assist you. I'm moving to a different bank soon.

At Motherwell, Gqeberha the service is not slow but they do not prioritise people with disabilities... I am on a wheelchair as my other leg was amputed... I have been there several time. I was no 169 on the que and were still on 144 when I came in. I had tp wait and 5 people called in before they could call me... It is not easy to be on a wheelchair. They should do better on their service. I like the bank, been with it for several years.

Thank you so much for your prompt and professional handling of my complaint (Case No. 08108226). My sincere gratitude to everyone involved in resolving the matter — they did an outstanding job.
I truly appreciate the speed and care with which this was attended to. It is especially impressive that the issue was fully resolved in just two days, well within the minimum 5-day period. This efficiency has been incredibly reassuring.

CAPITEC IS A VERY CARELESS BANK THAT DOESN'T CARE, I MADE PURCHASES WITH MY CARD AND I FIND OUT THAT THERE ARE OTHER ONLINE PURCHASES OF EFOOTBALL ON MY ACCOUNT, HOW DOES THAT HAPPEN? WHO'S FAULT IS IT ? THIS SAME THING HAPPENED TO MY CHILD SOMEONE WITH IPHONE BOUGHT ITUNES USING HIS CARD ALTHOUGH HE NEVER LOST THE CARD BUT CAPITEC JUST OFFERS TO CANCEL THE CARD AND MAKE A NEW ONE AS IF ITS FREE

Capitec bank unilaterally closed my savings account, I only became aware of their decision on 20 April 2026 via an SMS. An email was escalated to its CEO over the weekend and no acknowledgement of receipt was received from the CEO , they suspect fraudulent transactions yet no proof was submitted.

I would rate this experience 0 stars if I could.

It is extremely disappointing that there are multiple consultants available, yet customers are left sitting for over 30 minutes without assistance while staff appear to be walking around the branch.

This level of service is unacceptable. It should not take an hour or more to be assisted when there are consultants present.

To make matters worse, the call centre is unable to resolve queries and continuously redirects customers back to the branch, creating a cycle where no one takes responsibility for assisting.

I hope this matter is addressed urgently, as the current service standards are not satisfactory

Capitec is good bank I like it to save my money

I AM BANKING WITH CAPITEC AND IS GIVING CLIENTS THE BEST BANKING FEES AND INTEREST ON INVESMENTS.

I purchased a handset through the Capitec Bank app via Capitec Connect for R1,700 plus delivery. The phone was delivered sealed, but during the initial setup it immediately required me to set up a password upon switching on the device and I did ,short after the cellphone device requested a password, and repeatedly rejected the password and my Google account, making it impossible to complete activation.

I reported the issue and capitec connect couldn’t advise me as to what is the reason the phone requested a password upon activation so I requested a refund within 24 hours. The device was collected by courier in less than 48hours,and sent to a testing centre. I was later told the phone was “not faulty” ,was also told to pay R425 in order to receive the phone back and my refund request was declined. Over the course of the dispute, the reasons for refusing the refund changed — first the absence of the original box was cited, then I was told I did not return the device with the pin and cable wich is incorrect and later I was told the device showed “visible damage,” despite it only being used for attempted activation.

Despite returning the device promptly and following the process, the refund was refused and the case was closed. They insisted that because of absence of the box they cannot refund me at first rejection reason,Case numbers: 02076291 and 07026609. I hope this matter can still be resolved fairly and that the process for customers facing similar issues will be improved.

I honestly do not feel safe keeping my money with Capitec. The bank and app are terrible. They freeze or pause my account whenever they feel like it, with no regard for whether I need access to my funds, even in an emergency. It’s clear they don’t care about their customers. I would not recommend banking with them.

They send me an sms that says i qualify for credit card and then followed by phone call from one of their staff members ,and then decided to surrender and go to visit a branch to bring needed docs for that ,and then 'boom' my credit card application was declined in the branch with me present! how on earth do you call client and waste their time and yours as capitec staff memebr? as if that was not enough i got told i can move my family's funeral policies from Clientele to theirs because their monthly payment is cheaper ,again after delivering all necessary documents my application was declined and the new 'excuse' was i need to have my salary paid at capitec before i can move my funeral policies first, capitec has untrained staff members and that's their downfall guaranteed but there's a room for improvement since they have more than 5 million customers who still think capitec has 0% charges in everything because they have kind of clients who lives in 'cloud cuckoland" when it comes to latest news about capitec

Its been a whole calendar month waiting for my salary to reflect into my main account it would have been better for me to set my own money on fire atleast i would know what happened to it

Yesterday I did cash send this morning it is redeemed and I didn't send numbers to anyone; they say that there's nothing that they can do I must open a case

Worse service. Heidedal. In general Capitec. 24hrs after launch an complain NO feedback and problem not fixed. And then they want to tell me it’s my cellphone software. What a joke. iOS 13 and higher accept can carry the Capitec software. Employees don’t know facts. Some functions not working on app. Online subscription can’t be renewed and it’s my software even if I use a computer. Maybe time have come to change banks. Emails sent screenshots taken. Contact number given and no feed back and still nothing works

Dont take a loan with Capitec. The run debit orders whenever they want. iMy request when taking a loan was the last day of the month. I have been paying without default for 2 years and not once have the debit order run on thecorrect date. it went off as early as the 17th of December 2025
Upon querying I was told that they can change the debit to the last day but now it is a special arrangement and there is T&Cs that will apply

I love Capitec Bank service. I have been with the bank for years and didn't really trust it until I started comparing with other banks. Have been previously assisted to trace and refund for unauthorized debits. It was quick and efficient to replace my card when I lost my purse. I can use my account overseas. Love your app. Better than the rest. You are still my number one.😍😍

I am NOT happy with Capitec Bank.. I started investing with a company with a registered company number and legal sars papers. Capitec BLOCKED my bank because i deposited my OWN hard earning money to my investing company. When I went to branch i wanted to show them my investment company is registered and all the legal documents, All that Capitec said to me they DON'T CARE about the legal papers. And all they asked is why did you deposit the money. IT HAS NOTHING TO DO WITH CAPITEC WHAT I DO WITH MY MONEY OR TO WHOM I DEPOSIT TO. Now my bank is blocked I can't access any of my money, can't pay rent, can't by food NOTHING. So that states that with Capitec you can't do anything with your money THEY MUST GIVE U PERMISSION TO DO SOMETHING WITH YOUR OWN MONEY. Capitec constantly say yes they want to protect you from scams. But who is doing the scams / fraud against their own clients from keeping me from my own money!!!!!!!!