Capitecbank Reviews 

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!!!!!!!!

Went to the Capitec Fourways Mall Branch with my mother. The service was top-tier. They were patient, kind and helpful. It was a pleasant experience, which took a lot of time, but they were dedicated to making sure that we left the branch satisfied. I hope they continue treating their customers with such care and thoughtfulness.

I visited the branch to withdraw funds from my Tax-Free Savings Account a process that usually takes less than 30 minutes. Instead, I was kept waiting at the branch for over an hour with no clear communication or progress.
During this time, the consultant appeared more focused on reviewing my bank statements than actually processing my request. I later followed up, only to be informed that the transaction had not been assigned to anyone and was never worked on at all.
This means I was kept waiting for an hour for absolutely nothing, and no funds were released. This level of inefficiency, lack of ownership, and poor customer service is unacceptable.
I expect better process management and professionalism. This experience has made me seriously reconsider my banking relationship with Capitec.

Capitec is The weakest link of All This banks it can't help out when you hve emergency while still paying for credit card or loan, yet you still afford for as long your permanently employed they should hve a strategy of helping out their clients immediately irrespective of how some is still paying loan or credit ppl tend to lend money somewhere but still using Capitec as The Main Bank account, I regret the day I started using this bank is not helpful to its clients, uu pay for credit card but the money still remains still and not even adding some cash to the credit card its useless using this bank cos I pay for credit card which doesn't work for me at all.

On the 30 December 2025 I deposited R3170 into my account and the ATM went off after I didn't get a notification or my money back,it looks like capitec bank is scamming people, the never bothered to contact me.

Trying to get a credit card from Capitec bank. Self employed. 2 weeks I have been submitting andy and all documents to them. 3 different people all asking me different things. All that Capitec doesn't have of me at this stage is my blood.

Most useless bank ever. Customer service cannot assist you and drops the phone. Sending documents via WhatsApp then email. Back and forth the whole day. Going into a branch. They cannot help you and reverts you back to online again. Call Centre agents and credit card application agents don't have proper training and don't know what they are doing. Stay away. Far away!

I would just like to thank Capitec Bank and their customer care service. A lovely Lady Zingisa assisted me telephonically with updating my funeral plan. She was professional, friendly, patient and had a willingness to help. Thank you for making my experience great!

Saturday morning the 29 Nov 2025 at 1:32 am while I was sleeping, there was a purchase of R7442 on my Capitec Credit Card in Kempton Park, how is that possible
I had R4000 available balance on my credit, if it was me the transaction was going to reject and say insufficient funds, but on this fraudulent transaction Capitec allowed it why ??
I called them, im asking these questions they don't have answers, its so easy for fraudsters at Capitec why
Today its Tuesday I haven't received any feedback, so disappointing

Do not know their own banking system.
Incompetent staff and management
Captain has left the ship to sink

I am a Capitec Business client.

Capitec has allowed multiple fraudulent transactions to take place on my business bank account.

I reported the transactions as fraudulent; I was advised that someone will be in contact with me.

To date, no one from Capitec as reached out. I called in and was advised that the case if being investigated and it will take 30 days.

My business bank account was EMPTIED Capitec Failed me as a bank as they allowed this to happen on their watch. The response is sorry, we allowed fraud on your account and lost all your money, we will investigate what went wrong. UNACCEPTABLE.

I was not negligent, nor did I share my details with anyone.

I am absolutely appalled by the service.

Capitec’s behavior has been absolutely unacceptable. For days, I have received a minimum of 10 calls per day from their team, despite repeatedly explaining that this number no longer belongs to the person they are trying to reach. It was previously a work number, and I have made this clear multiple times.
Instead of resolving the issue, their representatives became arrogant, rude, and completely unprofessional. They even demanded my personal details, which is highly inappropriate and a violation of privacy. This is harassment, plain and simple. No company should treat people this way.
Capitec needs to update their records immediately, stop this relentless calling, and train their staff on basic courtesy and compliance with POPIA (Protection of Personal Information Act).
This experience has left me with a very negative impression of Capitec. If this is how they treat people who are not even their clients, I can only imagine how they handle actual customers.

Oh, Capitec, you sneaky little budget banker, promising "affordable" everything while turning account management into a comedy of errors straight out of a bad sitcom. Let's dive into my epic saga of woe, shall we? 😩

First off, I tried to open a Sole Proprietorship account – you know, the kind where you are basically just you, no fancy registration needed per CIPC. But nope! Capitec demands I shell out R1000 for some random lawyer or accountant to scribble a note saying, "Yup, this human exists." 🙄 As if that is not absurd enough, their online system ghosted me, so I schlepped to a branch. Only to be told, "Sorry, champ, business accounts are phone-only vibes, and not every branch is 'equipped' for it." Equipped? What, do you need a spaceship or just a functioning computer? 😵‍💫 I felt like I was auditioning for a role in "Bureaucracy: The Musical."

Undeterred (foolishly), I pivoted to a plain ol' savings account. Boom, opened online in 5 minutes – the one thing that worked! 🎉 But wait, plot twist: They charge you for ‘receiving’ deposits? 🤯 Like, thanks for the money, now pay us for the privilege of receiving it? Genius-level villainy. Deleted the app as it is clearly useless. I immediately called to close it. They say, "Go to a branch." Fine. Arrive sans ID (had my driver's license – that has got my face on it, right?), and they are like, "Nah, need the real deal." 🤯😱 Back home I go, cursing under my breath.

Round two at the branch: Now they insist I reinstall the app ‘right there’ to close the account. 🙃 App back on phone, then comes the fingerprint fiasco – all 10 fingers on a scanner that has not seen a wipe-down since 2020. 🦠 My poor index finger? Scanned THIRTY TIMES. I kid you not; I timed it while questioning my life choices. The branch rep asks why I'm bailing, and I explain the deposit fees are highway robbery. Her response? "Which bank does not charge?" Uh, honey, let me school you: Absa, FNB, Standard Bank, Investec, Discovery – none of 'em ding you for incoming cash. It is like Capitec's living in an alternate universe where banks are allergic to free money. 😂

Thirty agonizing minutes later, account closed. But not without feeling like I had survived a gauntlet designed by sadists. This is not "treating customers fairly" – it's straight-up regulatory dodgeball, making closure harder than escaping a cult. Save your sanity, folks: Skip Capitec from the jump and cozy up to one of the other banks that would not nickel-and-dime you for existing. I did, and life is way less 🤪 now. Zero stars if I could! 🚫⭐

Great staff are expected to deliver a first world service with broken tools.

Compared to the Capitc app their Business banking app is archaic, stop-start and dedinitely not smart banking.

Time consuming and laborious!

After restarting to see if the app will work my log in details are lost.

Sometimes I can not close the app on my phone.

Sometimes I get notifications after working on the app and sometimes not.

In app use is poor and when you tick on a block or action the screen does not scroll down to where the cursor now is pointing in the app.

Why have guidelines for reviewers?

Take all the news and feedback you get and fox it!

Your telephones take long to be answered.

Your staff is on so many occasions either on a break or sick or training and as a client I have to wait for service that has to be done from a broken system.

You are one of the most profitable businesses in the country, fix your business or get out of the race.

Stop making hollow apologies and do something about your problems, I have been listening at your poor excuses for 3 months now, is this time to find a functional business banking partner for my small little business?