Capitecbank Reviews 

I no longer have access to my internet banking profile all because they decided to suspend the profile without prior notification to me due to lack of use. I now have no access to their banking app (of which you cannot switch to another profile on an existing app using your log in details like you can on the FNB app). Unless you go into the branch, nothing can be resolved which is ridiculous, especially if you are unable to do so. Absolutely disgusted with them and will be closing that account at my earliest convenience.

I’m beyond frustrated with Capitec. A “Live Better” account was added to my profile without my consent, and money has been deducted from my main account ever since. I live abroad and can’t just walk into a branch or call easily — I’ve tried to resolve this via email multiple times.

Capitec asked me three times to schedule a video call. I responded with available times every time, and each time, they never followed up. No accountability, no resolution, and my funds are still being deducted.

This is unacceptable and feels like blatant negligence. I expect a full refund, an explanation for how this account was added without my authorization, and for it to be removed immediately.

If you live overseas or value responsive customer service — be warned.

Capitec online system is extremely useless, better go to the branch. Their system reject the same documents they say the client must attach. Let alone their staff who call you after showing interest on credit, not reliable and not professional at all. A person say I will call you back in 5min and the person call the next day.
If you serious about the credit you want go to the branch, their online system is something near to nothing.

Be very careful at Capitec ATM Brooklyn. On 11th May 2025 i visited the ATM and it took my bank card and a cash withdrawal was made at ABSA ATM. I I lodged a claim and now Capitec refuses to refund my funds. The CCTV are sufficient evidence that I did not make the withdrawal. Daylight robbery from Capitec and will not bank with them again!!Lost client and hope more follow suit..They dont care about their clients..

I really dont like this bank. They authorize payments on the wrong dates, and when you try to reverse wrong debit orders, you cant really do that anymore. Plus, their online app is down alot

Absolutely horrible service. Poor communication from Capitec and delays have wasted my time. I needed to open a business account for an NPC and made the mistake of choosing Capitec. The person assigned to me, Patrick, did not return calls or emails, and when they finally did, they did not even call the right number.

When someone says they will call me back that afternoon, but instead they call someone else the next evening, that is not good service. When they tell me they are sending an email on Thursday and instead send it on Friday afternoon at 16:55, that is not good service.

I had two Capitec employees working on my case and neither got anything done. I told them I needed the account opened the same week and 2 weeks later it is still delayed due to their negligence.

When we finally got to the Docusign part of the process the absolute incompetence at Capitec continued. I am the Senior Director of the NPC and was told they were sending me the Docusign on Thursday. But they did not send it. I emailed on Friday morning. No reply. I called on Friday morning. Was told they would call me back. They did not. I called again on Friday afternoon and was told the Docusign had been emailed Friday morning. It had not. I asked what email they had sent it to. It was not the email I have on record, but is an email I have access to. There was no email from Capitec. I asked why in the world they would have decided to send to that email and not my email on record. So they said they had to restart the Docusign process all over with a different department and a new Docusign would be sent to the correct email address ASAP. The Docusign was finally sent to the correct email on Monday. I signed it immediately.

They were then supposed to send the Docusign to the next director to sign, but instead, they did nothing. We only have 3 directors and it shouldn't have been so complicated or taken so long.

On Thursday afternoon Patrick finally called me to tell me we just needed to finish the Docusigns. The Docusigns that Capitec finds so difficult to email. They still have not sent them to the other 2 directors. If Capitec is so terrible about communication when opening an account, how could I trust them to ever give quality service? I should not have to constantly email and call a bank to get them to do what they said they would do.

I am so sick of dealing with Capitec that I am restarting the process at another bank. I will never deal with Capitec again and I would not recommend them to anyone else.

I spoke to 7 different people in their so called fraud line and no one helped me !!!!!!!!! I hate Capitec and I am closing my acc in the morning . I just got scammed of R5499.99 and they made me stay on a call for over 2 Hours and they still don’t help me !!!!!!!

Chat box is very poor took 30 minutes for assistant to grasp the problem I had.
In the end after over an hour waiting they never answer your question.
If you want quick banking this is not the bank for you.
If you want to waste two of your life and get nowhere I would definetly recommend Capitec.

Capitec is the best bank. Some of their staff is just plain incompetant to do a proper job. I have been trying since 28 Jan to do an international payment. I am currently in Vietnam. After 5 phone calls each one over 45 minutes talking no joy. I have registered over 10 complaints with case numbers. I have send maybe 12 complaint emails. To date the same story as on the 28 Jan. My problem is so small. But so big for the staff handling my complaints.

You use the WhatsApp to resolve a issue because you to busy to come they agents are unhelpful they pass you around and they tell you they can't reverse your money and rather want you to pay for a new card really definitely leaving there bank and moving to a new one really bad I don't think I will use them again.

I have a complain regarding service received today (12/02/2025) at paledi mall branch next spar I have accompanied my grandmother to increase limit she was pressed and she is a pensioner 80+ we asked for toilet as I know she won’t be able to go to public toilet. I asked the lady who was giving tickets she went to ask the manager she refused so like do you normally treat pension like that mind due if it was youth I would understand. The next thing granny peed herself inside the branch like how is your customer service there and what I know and have seen incident like that happened at different bank but treatment was not the same . Kante how are you treating our pensions whereas they choose to bank you from what I know that’s not how you were trained for customer service. Worse thing is even the manager didn’t seem to care the way we received feedback from that lady . This is sad and bad. Or is it a way to show us we chose the wrong bank .

MY NAME IS SINDISWA MTHIMKHULU
ACC:1610183987
HER ID 83082281029081
MY CONTACT IS 0789038307

IVE BEEN BANKING WITH CAPITEC FOR 10 YRS I PLAYED A PRYMAID SCHEME INVESTMENT. SO MY ACCOUNT WAS HOLD CZ IHAD R107 000 THEY SAID ITS WAS SUSPECTED TO FRAUD. CAPITEC TOLD ME THE CASE WAS BY THE NCC. WHEN CAPITEC CALLED ME ON CONFERENCE CALL NCC DENIED HAVING A FILE THEY KNOW NOTHING ,THEN CONSULTANT SEND EMAIL TO THE CAPITEC EMBUSY TO OPEN MY ACCOUNT THEY NEVER OPEN IT , IWAS ASKED TO SEND AFFIDAFITS ,SCREENSHOT, WIDRAWALS AND PROOF OF INVESTMENT WHICH IDID. I ESCALATED TO OMBUDSMAN STILL NOT HAPPY WITH CAPITEC 5 MONTHS UP AND DOWN. AND I NO LONGER TRUST THEM ALL IWANT IS MY MONEY THEN CLOSE THEIR ACCOUNT BCS WHAT INOTICED. EACH AND EVERY TIME IWRITE HERE. THEY CALL BUT NO ASSISTANCE. IWANT JUSTICE TO PREVAIL CZ IVE SUFFERED ON THIS PROCESS,IVE NEVER SEEN A BANK LIKE THIS EVEN IN MY NEXT LIFE WILL NEVER BANK WITH CAPITEC. ITRUSTED THEM WITH MY MONEY SO NOW THEY WANT TO SCAM ME. MY MONEY. JUSTICE JUSTICE ANYONE WHO CAN HELP ME. BCS ILL FIGHT TILL THE LAST DROP OF MY BLOOD. OTHER CONSULTANT ARE FRIENDLY DISAPPOINTED BY THEIR BANK FEEL PITY FOR ME YET. NO SOLUTION CAPITEC IWANT MY MONEY. TO BE RELEASED YOU HAVE PLAYED WITH MY EMOTIONS FOR ALONG TIME. THE TIME IS UP. THIS WILL GO VIRAL AND WILL GO TO COURT. FOR MY MONEY ILL GO ANY LENGTH. IWAS TOLD TO STOP WRITTING TO THIS PAGE ILL NOT STOP TILL THEY HELP ME.

DO NOT BANK WITH CAPITEC!!
Last year I ordered from shein, the money went of my account and today I get another SMS saying there was a purchase of R808. I haven’t done any online shopping this year I called Capitec and they tell me it’s my payments from last year now how is that possible when the money already went out last year and and wasn’t even refunded or anything??
If you banking with Capitec I suggest changing, which I’m also going to do. It’s unsafe and too many scams. This girl comes telling me it’s multiple purchases that added up to 808 like really. My orders are more than that idk what bullshit Capitec is on

Capitec Trade Route Mall. Consultant Kayisha helped me to open an account. Was impressed by her patience, politeness n efficiency. Service excellence. Keep it up.

The worst bank. Employees of the bank giving me attitude for why I wish to move my money and close my account like it's any of their business. Bad bank for international transfers. Ridiculous rates. I am happy I moved my funds elsewhere.

Capitec is the worst bank that I have ever dealt with, the staff in the branch as well as the customer service's don't no what is going on for what. The fraud department takes they own time to deal with funds, first they tell you its fraud money thereafter release the large amount however, keep the small amount on hold. I have been multiple times in the bank, and there was no feedback provided. The assistant in the bank away say that there will be feedback provided however, there is nothing that is getting resolved.

If I could give Capitec zero stars I would. Rude arrogant staff. No help whatsoever if you trying to sort out matters from abroad. Its just an automated load of rubbish on their whatsapp. Waiting over 7 hours for an agent to respond. Only to get the same useless automated advice.
Will most definetly close my account.
You people know nothing about customer service!!

Banking with capitec it was a biggest scam

I mistakenly deposited money into wrong account number. I want to reverse my money they can't help me.Now I have to pay R160 for nothing 😒

I used the Shell partnership for the live better reward, however on the 10th of October I did not get my reward. I went on WhatsApp to inquire with proof of the transactions both from my transaction list with capitec as well as shell v+ and I was told an incidents logged and I will here within 24-48 hours.

I followed up 12 days later as I had heard nothing from them and I was told it takes 7-14 BUSINESS DAYS. It's now the 6th of November and I'm told they cannot confirm when it will be attended to. I then preceeded to request a manager and a Charlize "Supervisor on duty" had absolutely no time for me, said what IT wanted to say and closed the chat. Beaides the lack of competence, the rudeness and unprofessionalism from Charlize takes the cake.

Keep your ****** live better nonsense and your rude staff.