Do not bank with Capitec SO Disappointed with Capitec Bank, 2 weeks ago I had my account defrauded. Transaction 1: R7483.00 successful Transaction 2: R1212.00 successful Transaction 3: AED950 unsuccessful Transaction 4: AED530 unsuccessful Transaction 5: AED430 unsuccessful The above amounts were taken out of my account and the other which were unsuccessful were due to my limit being reached so they were declined. Money was taken out of my credit card. I called the call center 3 times only to be pushed from pillar to post and having to explain myself over and over. When speaking to the call center they originally told me that the card was swiped in dubai, i said its impossible as i was in Durban. The lady insisted that i swiped the card. I eventually got so annoyed that I went into the bank and sat in front of a consultant. The consultant called the call center and explained the same story and once again they told him that the client swiped the card, his answer to her was she is sitting in front of me and I have her card. Again she said it was done at 09h05 in the morning and it is now 11h05, he said it still impossible for her to have made her way from Dubai to South Africa in such a short time. The call center eventually said they will investigate and get back to me. At the time of notifying the bank the payments were all still in the processing stage, I asked if they can stop the transactions and he said that the fraud department wld look into it and refund me as the transaction look suspicious. The fraud department looked into the transactions and refunded the money back to me 2 days later, I was so grateful. BUT THEN day 3 the money was taken back by Capitec saying that the payments were done online and not swiped so it didn't matter if I was in Durban or anywhere else. Again I told them I didn't make any payments to any Dubai merchant. I told them if I had done an online payment the app wld have asked me to approve the payments which I didn't get anything. Then they said I put my card details in and again I told them I didn't and if I did I wldnt be reporting this as fraud. Right now they have closed this case and refused to reopen it as they say I spent the money. Which I didn't as you can clearly see there was a problem on my account with all the foreign payments trying ro go off but being declined. So disappointing that money can be taken out your account and the bank just doesn't care. Well I care and this is alot of money. I am again going to try and query this and try get my money back. If not I am going to have no choice to take it further to the ombudsman.