Capitec Bank Reviews

Name: Capitec Bank
Rating: 1.95

2.0 Rating 305 Reviews

23 %

of reviewers recommend Capitec Bank

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2.0

Based on 305 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Courier
On-time Delivery	Greater than 27%
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	1.9 out of 5

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Capitec Bank 4 star review on 5th April 2025

Anonymous

Anonymous // 01/01/2019

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“Shame on you Capitec!!! I paid November 2022 R100 for a credit card machine for my shop!!! Yesterday 2 March R299!!!!!!!”

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Posted 2 years ago

“Namhla Clearwater Capitec so incredibly helpful. Thanks Namhla.”

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Posted 2 years ago

“I deposited R10 000 in cash at a Capitec ATM inside the branch at the Glen Shopping Centre (Cnr Orpen Rd &, Letaba Rd, Oakdene ) on the 17 November 2022. After depositing the cash the ATM switched off and took my R10 000. I have made numerous visits to the Capitec branch, and numerous calls to Capitec Bank to report my incident. In response, I have only been given reference numbers and Capitec Bank refused me my money back. This whole incident took place in full view of Capitec's Bank cameras, which are situated directly above the ATM. I have spoke with consultants, branch managers and regional managers to help me with this situation. After 3 months of given the run around they have refused to pay my R10 000 back. WARNING TO ALL CAPITEC CLIENTS - If you are to make cash deposits at a CAPITEC ATM, THERE IS NO GUARANTEE your money will reflect into your account and be prepared to deal with very unprofessional staff at the Capitec Bank.”

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Posted 2 years ago

“Capitec bank has put a hold or stop on my tax free investment, because I'm one day late at renewing the account. I am told I am not able to have access to these funds for 2 to 3 days!!?. This is unacceptable!. Almost claiming ownership to my money!!!. This is disgraceful!!!. I have a fixed term deposit as well!!. This puts fear in me!..So DISAPPOINTED in this bank. Maybe time to switch to FNB!”

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Posted 2 years ago

“The bank is good. However, the WhatsApp communication platform is atrocious. You will wait for hours for someone to respond. It is completely unusable.”

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Posted 2 years ago

“I visited Capitec Lemon Tree this morning only to find the branch closed for a meeting. Capitec conduct meetings on clients time, this is not acceptable. The manager and staff were rude when asked about the hours which were clearly stated monday to friday 8am. Website also states 8am. Fortunately I was able to go to FNB close by and open an account and get assistance with the query I originally had with Capitec. Thanks Capitec staff, I don't need you anymore.”

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Posted 2 years ago

“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.”

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Posted 2 years ago

“I write this review with a very sore heart towards the unprofessional services given at the Capitec Bank, branch at the Chatsworth centre, in Durban. I went to resolve a banking mishap 2 weeks ago, the banking service consultant who attended to me was very unprofessional and spoke more to her co workers while attending to me and actually disclosed my personal financial status to fellows at her branch while attending to me, I told here that she is performing wrong by going against the poppi act and she just laughed at me saying to that I must give her my pension millions rands. Such a pervert indian lady who was drunk under the influence of alochol cause I could get the smell of it from her. Her details will be disclosed to the republic. Our service fees pay your salary Miss Capitec dumb drunkness ass indian consultant. Wake up and worry about yourself been sober while at work. I went to the manager to complain and she just laughed at me saying I got no proof against them on what the consultant did and told me to choose another bank as her bank pays them peanuts to survive. Kindly investigate and dismiss members there for going against the popi act and making Capitec like a foolish bank towards us honorable clients. Other members in the society also complained about their poor banking services but receive deaf ears as it looks like this bank is more interested in making interest of our money and not keeping up to the customers satisfaction”

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Posted 2 years ago

“I had a access facility account, earlier this month they phoned me 2x a day, send SMSs and mailed me that my account is R95 overdue. Spoke to a consultant (13th Jan) and sorted it (ACCOUNT IS NOW PAID UP). 25th Jan 2023 suddenly debit order of R876 went off (FOR THE SAME ACCOUNT THAT WAS PAID UP ON THE 13th) Not one of the consultants can now assist as there is NO RECORD of the 13th! I'm being transferred from one dep to another with no proper assistance! Terrible experience!”

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Posted 2 years ago

“I am so disappointed with Capitec. I was at Berea Centre in Durban. Had my voucher number and pin. I put in the voucher and pin but the message I received was that the voucher cannot be redeemed. I have a video of that. I went to Boxer store to get my money and was told the voucher was redeemed. I went back to Capitec Bank to complain but I was told that there is a problem with the ATM's and they immediately close the ATM's. I phoned the so called CUSTOMER CARE and they did not care about how I feel, the only thing they did was to drop the call while I was still taking. Mind you I lost my money and wanted them to at least try and come up with the solution but the solution from them was to drop the call. I have been banking with them for over 10 years now and heard horrible stories but I refused to believe until it happened to me. like any other Banks Capitec should be responsible for this and take liability. I doubt that they even have LIABLITY cover for such things. These people are scammers and need to be reported to the Ombudsman. If you are still with Capitec...Guys you will be sorry and to those who still want to open bank account, you need to think twice before you go to Capitec. Do not ever make Capitec your main Bank....They are all Tsotsies. if I say all, I mean Everybody from the directors to the employees. Horrible service and fraudsters.”

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Posted 2 years ago

“I was at Capitec Bank Kenilworth Centre yesterday. Thank you so much to Michelle for the great customer service I received. The service received was warm and friendly, very patient and I was sorted out in no time... Thank you!”

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Posted 2 years ago

“Horrible customer and overly incompetent. A fraudulent case was opened on the 24 November 2022 where MR D or Uber eats of R900 was fraudulently purchased from my card. WHY ARE YOU MAKING YOUR SYSTEM TO BE EASY FOR THUGS???? WHY ON EARTH DONT YOU HAVE AN OTP FOR ONLINE PURCHASE WHILE EACH AND EVERY ELGIBLE BANK HAVE???? NO OPTION TO CALL THEIR CLIENT INCASE OF AN ACTIVE FRAUD INCIDDENT??????????????? YOUR CALL CENTRE DOES NOT CALL OUT WAOOOOOOOO INCASE OF EMERGENCY? SO LITERALLY THE THUGS MUST FINISH THEIR JOB THEN YOU WILL NOT EVEN BOTHER TO INVESTIGATE OR INVESTICATE AFTER????? MY ISSUE WAS LITERALLY ON AS THE FOOD WAS NOT YET DELIVERED WHICH I ASKED YOUR CONSULTANT WHY CAN'T THEY STOP THE ORDER SHE IS SAID IT IS NOT ALLOW ITS ILLEGAL????????????????????????????????????????????????? SO IS LEGAL FOR THEM TO USE MY HARD OWN MONEY AND YOU WILL WATCH AND DO NOTHING IN THAT MOMENT. I WAS TOLD 8 DAYS I WILL GET FEEDBACK IS THE 12 TODAY????????? THE FRAUDELENT DEPARTMENT YOU CANNOT DIAL THEM IN THEY HAVE TO CALL YOU AS IF THEY ARE DOING ANYTHING IMPORTANT RESOLVING QUERIES. I HAVE REQUESTED A CALL BACK 8H00 12 DECEMBER 2022 IS 14H31 HAVE NOT HEARD A THING FROM THESE PEOPLE. GIVE ME FEEDBACK THEN I'M DONE WITH YOU. THANK GOD I'M NOT FULLY BANKING WITH YOU HAD IT BEEN MY WHOLE SALARY WOULD WENT AND I WOULD STILL WAITING FOR YOU TO CALL ME!!! YOU BANKING SYSTEM IS FOR THE SLAVERY AND FRAUD ONLY NOT TO HELP A BLACK MEN. CAUSE I MEAN MAJORITY IS BLACKS USING THIS BANK?????????????”

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Posted 2 years ago

“I just recently called capitec online fraud contact, from the start, they took long to answer my call , and they transferred me to another customer assistant who couldn’t help me at all , today I just found out that someone used my bank details to subscribe to some online thing , it deducted my money today, I had no idea who was it , because I know it was not me , they told me to go find out from all the people who have access to my card , The reason i called them is because I needed help , I took my time and airtime trying to find answers, asking how I can stop the proceedings transactions because I’m not sure who and when is this person is going to access my card and take more money, they couldn’t even access at list time the transactions ocurred, all they could tell is San Francisco is a company , but I have never subscribe to such things , all they told me Is cancel your card and go make another one and some terms and conditions I couldn’t understand, the assistant was very rude , I asked that they explain to me those terms and conditions in simple words, she responded to me she can’t , she read them the way they are , all I have to say is agree or disagree, if it was an adult! If is someone who doesn’t understand English, i mean you need to understand before agreeing to terms and conditions, all she wanted was to get the job done and read terms and conditions, and all I have to say is yes without even understanding. Capitec bank service is bad , especially when it comes to fraud, they don’t have answers for anything, they will loose customers because their customer service is really bad. I’m so disappointed, I used to hear from people, but today I experienced it myself.”

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Posted 2 years ago

“I've used capitec from 2014 but this is the very first time that I'm receiving such bad service from them.. on the 29/11/2022 I bought airtime via cellphone banking , it was successful on their side but I never received the airtime. So since I didn't get the airtime I went on my WhatsApp to chat to an agent and they said I failed the verification process I must wait 24 hours before contacting them again....fine! So I waited and today I call and this useless call centre agent named Amelia the first thing she asked is" so you only calling today ?" Really and when I tell her that I did try to get help via WhatsApp she doesn't apologies she just move along with the call....if these are the kind of people you hire to do customer service you are going to loose clients....I'm Andile Bhengu 0676204132”

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Posted 2 years ago

“Excellent service offered by Nobuhle , the service was great and efficient , she helped me with an app and helped me with the stop order.”

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Posted 2 years ago

“Hi! I went to Killarney mall capitec, I was assisted by a great n humble gentleman by the name of Koketso. He helped me with registering cell phone banking, and I had no Capitec card but he helped with it. I just wanna thank him for good and complete service he gave me.”

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Posted 2 years ago

“My son bank card is with me and the App limit is set so zero, but for the 4th time was fraud transactions done and we need to replace the card and pay R70 each time. Its a joke that something like this happened non-stop. Why do you have an option to block any online purchase if its not working 100% and why must a client pay the fee if the problem is with Capitec. I really think it time we close our accounts and moev to a different bank. Clearly is Capitec working well with scammers and thiefs. No refund yet received from Capitec on fraud reported items. Well done on be useless.”

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Posted 2 years ago

“i dislike the fact that there are 2 payment types on the app, “Pay” and “emediate pay” there should only be one option. who waits 9-24 hours for a payment.”

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Posted 2 years ago

“Capitec Bank uploaded a tax certificate to SARS for my 86 year old mother for allegedly working for them for the tax period 2022. Try getting hold of them to solve this, is proving impossible. My mother now has to open a case of identity theft with SAPS. How is it that it becomes her problem when Capitec clearly has a fraud problem in their HR department??”

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Posted 2 years ago

“Capital app sucks big time,👎👎. They are always down that transacting is next to impossible. How do u trust an inconsistent bank when everything is done digital nowadays. I am starting to hate it. I even removed my debit orders elsewhere because they are not trustworthy especially at the end of the month, it is when they suck the most. If money is kept in savings and debit orders are due, then u are in a big mess because their app shuts down just when debit orders are due. How is that? They should close down u til they sort their problem out or hire new people to deal with tech staff.”

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Posted 2 years ago

Capitec Bank is rated 2.0 based on 305 reviews