African Bank
reviews and complaints

I have NOT received heire instant payment salary. it's the end of the month and I can't access my account because conveniently your app is also NOT working at the same time. I used all my airtime to call your customer complaints over 10 times and NO answer. I want my money to reflect by 10am on Saturday 2 December 2023

or I am reporting you to any authority where possible and I will take you to task. Bunch of crooks and scammers!

There has been other reports about the same thing as well on the same day

. people are not receiving there salaries

My fixed deposit has matured, when i try to withdraw I receive a prompt saying the is no withdrawal, why when the maturity date has reached? I have invested with other banks and when the maturity date reaches the money was transferred to my bank account without any issue.

The only reason i changed to your bank was because of the higher interest rates otherwise your services are unnecessarily complicated, why do i need to reach out to the investment team for my money to be released, i am even outside the country and the contact details you provided are only for locals, how do i reach you since you don’t even reply emails? I really regret even thinking of investing with you

Im very disappointed. I went to the branch 3 weeks back for my first time trying to apply for credit card. The lady told me to expect a call in 48 hours. I waited past 48 hours. Then decided to make follow up, called the line still I was told to expect a message in 48 hours, past 48 hours I sent a whatsapp. I only received a call today. Even worse they still asking if am I still interested on the application. Like what?!

I told the agent to please cancel i'm not interested anymore. Im so much glad I don't have an acc with you'll im in the process of canceling my insurance etc clearly this bank cant deliver. I have never seen such. I thought to give its a try but now I know I can't be going through this anymore.

My bank account is being placed on hold without me contacted my salary has been paid in there for more than 2 months now and all of sudden its on hold WHY?

Check my reference GOOGLE the company i am working for or contact me this is a HUGE INCONVENIENCE for me my rent must be paid i did not have electricity units this morning to bath i need this resolved ASAP i do not walk with cash on me I NEED THE CASH TODAY I MUST PAY MY MONTHLY TANSPORT FARE AS WELL.

I AM BEYONG ANNOYED AND PISSED RIGHT NOW.

When I took out the loan I specifically instructed the call center to debit my account on the 16th, last month july the 15th was on a saturday ok understood so they debit me on friday 14th. Which obviously who keeps money in the bank all the time. This month is august and same the 15th falls on a tuesday I get debited on the 14th. I just dont get it my debit order date is supposed to be set for the 16th and not 15th and not 14th..

I travelled to the UK for a project and unfortunately my MTN number ([protected]) isn't receiving OTPs on my mobile phone to complete my transactions. I contacted African Bank to either update my mobile number, allow me update it myself via my Internet Banking/Mobile App switch off OTP validations for transactions on my account or move me to email OTP but the bank refused.

I'm being stranded in a foreign country when I have sufficient funds in my African Bank account but the bank is denying me access to my own funds.

My account number is [protected]

We have been requesting this document since the beginning of march but we are yet to recieve it. Our email is [protected]@mnmcreditsolutions.Co.Za

the client has finished paying and would like to gain her financial freedom back but African bank is delaying the process as though they are benefiting from such behavior.

It is by NCR law that when a debt counsellor on record is unreachable then a creditor must provide the copy of the debt review court order as it is sent to them of which in this case it is African Bank.

My experience with the service at African Bank (Bara)

The first day I visited African Bank branch was mid 2022 when I went to collect my card at Hellen Joseph branch in Johannesburg after Ive done everything online and I got my card all was good

I have MyWorld acc with African Bank. My accounts has overdraft in it. I used to use my App to access my account and all works good. Last month I did EFT on the app to pay my store account, the bank took time to send the money as per its schedule and the store system was slow to process the money. This had to cost my credit score to go down, (I realised that myself after being treated at branch)

What happened is; I was unable to adjust my overdraft limit from my app to pay store account in advance, and as per results from App I decided to go to African Bank branch for assistance (Bara). After presenting my ID the lady I found on the desk was like I do not have any overdraft and I do not qualify any product from the bank (she said exactly that, disrespectfully and then starts pressing her phone). I tried to understand through her why and how that came, she keep quiet and showed me the monitor where was reflection of my App attempts. I’ve never had such a bad service ever in my life. I was trying to cooperate politely with the lady but she consistently give me more of the same “attitude” as I was trying to seek for understanding and understand what she was saying to me because she forced to give me each answer in Zulu as if I can understand.

I decided to leave peacefully hurt and say thanks and she kept quiet.

I didn’t know that the internet banking was not working which include the app as well on this day, today, when I put my pin it said it’s wrong. I went back to her politely and ask her “didn’t you mistakenly click somewhere that my app is disturbed” she looked at me and asked as if she didn’t hear and I humbly repeated myself and she laughed and ask me if I have data then I simply gave a respond “Yes I do” and then she continued by asking me that am I inserting a correct pin and I said yes. The worse happened when she restart it from the system and she had to go through the process with me on my phone, I ever felt like I don’t know how to read, short and comprehensive sentences the worst part. Here is where we got to know both that online banking wasn’t working. The lady didn’t apologize on behalf of a Bank although I don’t blame her for that but I wish she had apologise for asking me all the ridiculous questions with the attitude before restarting my App logging details.

Honestly everyone work hard for their money and with all these inflation and increase of interest rates burdened all ordinary citizens. Personally I was expecting a friendlier customer service and more especially at a financial institution

My African bank account pays a constant monthly fee of R70 and has other external charges when using different services.

You can tell what I’m thinking now.

When I go to my next financial service provider branch as I switch I will need to pull on a suit and look all good, I swear someone will realise that my money service money pays their salary income salary and put a level of respect in that.

#trashService

In October 2022 I had a fraud case numerous amounts were transferred from my account ,I did everything I was told to do went to police station got case number gave all required documents to branch ,since then no response 3 months now I have been in branch,phoned customer care and emailed just been ignored,been dealing with Southdale JHB south and now for three months Glen mall it's now January2023 and have not recieved any outcome from any for of communication .

My accounts were settled by sequestration. The company who dealt with the whole process contact African Bank via email on numerous occasions, I even called more than once, went into 2 branches branches but no joy. Am struggling for the past 3yrs,i even logged a dispute via experian a month ago but just no joy. I 've spoken various people telephonical but every time it is the same scenario, nobody makes notes o the the system. They even deduct monthly amou ts which causes my account going into a mi US and then I have to pay unnecessary penalties.

my name is mzwabantu majikija id no [protected] i am the beneficiary of my late aunt Ntombentsha valencia Deleki who was a funeral policy main member at african bank. the funeral policy was taken on the 5 of august 2022 and it started to deduct on the 15 of august and my late aunt passed away on the 19 of november 2022.i submitted a claim and it was declined because according to african bank she did not make the waiting period which i dispute because accorng to me she did.

Good day.

Client E Jacobs

Acc [protected]

I was unable to create a beneficiary on my account (this morning that was fixed and I can add a new beneficiary). I am still unable to make a payment to anybody. On Thursday,10 November, I contacted the client services line, but they were unable to help me. Yesterday, 11 November, I went into the branch in vaal mall, vanderbijlpark. The gentleman that helped me wrote emails and told me I have a hold on my account because forensics have to investigate my account. I had a large amount that was deposited. I can understand it, but I need to make a payment and the reasons are as follows.

I sold my house and the attorneys paid the amount into my account. My husband and I sold shares at Old Mutual (unit trust), Nedgroup and Satrix. We also transferred from our savings accounts at capitec to my account. We have all these money in African Bank, because we are buying another property and

need to pay the lawers for the property. The problem is I am unable to make the payment. Please look into the matter for me. I have to pay the attorneys for the new property. If you have to conduct an investigation, please phone me for proof of the mentioned funds and transactions.

Last year we opened a credit card with African bank, short after that we decided the maybe we should move all our accounts to African bank, we applied for an overdraft from African bank, which was approved when we move our bank account. We then decided against moving over and we declined the overdraft application.

We then decided to rather take a loan from african bank.

So when the loan was paid over we received an additional amount which was great and helped as quite a lot.

We signed debit orders with african bank so all the accounts can go af as arranged with them. 8 months later african bank came back to us saying we are in arrears with our overdraft. They switched it over into a loan and we need to repay it back R4500 a month. They never made any contact with us previously no letters nothing. Now they froze our account due to this. We can access our credit cards or day to day account. Due to a mistake on theeir side. We are not getting any assistance from the ban.

We have paid almost R30 000 over to the bank and still everything is frozen, even though the bank made the mistake,

Can someone please help we will be reporting this to the ombudsman and we will be taking legal actions against African Bank

On the 29 march 2021, my african bank personal loan account [protected] was paid twice by nedbank to settle it, on the 4th of april 2021 I logded a complaint to refund me the extra amount but I was told there was no extra payment into the account only r298,00 instead of r21778,00 was refunded. Only 18 months later that they realise I was right but funny enough I still want me to send them a proof of payment. I really find this very unethical and so unprofessional.

Last week Friday on the 02th of Sept 2022, my husband went to African Bank to get a loan.

After being approved, debicheck was sent, ALL documentation was handed in!

Up until now there is still no feedback and no money paid!

It shows on the online app "under review"

This is POOR SERVICE!

Why don't you guys just shut your doors and get it over worth!

I am completely horrified on the sheer and utter disregard of your employees towards clients. I am sure that the employees at your organization do not live up to the values of your company. It is disgraceful that we can be treated in such a manner more specifically by your head office. To my understanding a Head office is suppose to be the last line of defense and should try by all their might to assist clients. I am lost for words. My sister and I went to African Bank Baywest Port Elizabeth Branch to apply for a credit card. Everything was approved and we were told that the funds should reflect by Tuesday. We went on to the app as directed and we noticed it mentioned we needed to submit documents of which we did. The next day we received an email stating that the documents didn't go through, we call and got a second email of which we sent again. Today 09/09/2022 at 11:00am a consultant went on to the application and made notes and didn't even bother to call and inform us if there are missing documents, and either way there shouldn't be because our emails reflect that all document requested were attached. When we call the head office the sheer disregard by the consultants who answered the phone as if they didn't want to work for African Bank anymore. It was disgusting.

I went to re-open my blocked Credit card at Brown street Nelspruit branch- i got the lady by the name of Nhlakanipho Mamba. The lady had bad attitude towards me from the start. she was busy on her personal phone. she made me wait while she was playing game on her phone. i asked if she still assisting me and she told me she was still printing, then she went to collect card and came back and requested that i insert 4 last number of the card number. i took the card and check the number- she rudely asked again that i insert the for numbers and i was still checking which one of those between the one at the back and at the front. when i finally understood she then told me to insert the number and that shes been telling me to do one thing but stil im not doing it. i told her i was waiting for the pop up message and that im not happy with how she is talking to me butstill she was just so rude and defensive. i asked to be assisted by someone else of which her colleague assisted and i asked to speak to the supervisor but no one called a supervisor for me. i asked for her name on the other lady and she jumps in to say why am i not asking her name to her not to the other person,

I would want to state categorically that banks in South Africa are really abusing power and have no respect for their client's right to the protection of personal information and right to fair treatment. My daughter realised her bank account was blocked without a prior notice from African bank when she wanted to buy food. The child was embarrassed and had to stay hungry until she arrives home later in the evening to inquire from African bank. The consultant who spoke to her said another person will phone her in 2 hours time to explain why her account was placed on hold. Until now that I am writing this complaint, my daughter's account is still blocked. She has been caused considerable inconveniences and made her to suffer a great deal of distress. This is unfair treatment and uncalled for.

COMPLAINT ABOUT FRAUDULENT ACTIVITY ON MY AFRICAN BANK ACCOUNT: ACCOUNT NUMBER: [protected]

On the 13 July 2022 I got telephone call on number [protected] /[protected].In the afternoon. The gentleman introduced himself as African Bank consultant who wanted to assist me on my bank account. The voice sounded like a voice of a man who was speaking in IsiZulu but not fluent in the language. He informed me that he was going to send me text message I should press 1 (accept) to accept the text message, if I did not press 1 my account was going to be frozen. I responded telling him that I don’t trust what he was telling me because I heard stories about scam of that nature, he insisted, but I refused. He fumed and told me that my account was going to be frozen. Indeed, text message came through my phone after few minutes, but I just ignored it until it went off, the text message came more than two times, but I continued to ignore it. Shortly, after that I received text message “Your SMS only roaming has been enabled. Please note that you will not be able to make or receive calls (even in SA) whilst this is enabled “ .

The day continued, to the evening until I noticed that my phone did not have signal. It was common occurrence as the country was struggling with loadshedding stage 4 & 6 , which was affecting network coverage severely. It was displaying “emergency call only “instead of usually displaying” MTN SA “. I slept and woke up the following day (14 July 2022) and experienced same thing , until my partner asked me , why I was not receiving calls as usual . He tried to call my number, but the phone was off. My partner advised me that we should call MTN service provider, using his phone . I was informed by MTN consultant that there might be something wrong with settings so, the consultant gave me USSD code to activate calls and smses. She advised me that the phone should take between 2 to 24 hours to be ok. I patiently waited for the stipulated time, until it was the following day without receiving or making any calls.

The following day ( 15 July 2022) I called MTN again through my partner’s phone as mine was not working. I was informed that my phone was “hacked”, somebody did sim swap. I was shocked as I never did a sim swap and in reaction I request MTN to correct the incorrect, of which they did, according to them . I was informed again to give it 2 to 24 hours for the phone to work perfectly . I waited and few hours I received few calls. I then believed that it was ok . My partner tried to call me in the afternoon of 15 July 2022 but my phone was off. I thought that may be it did not have signal as the loadshedding was continuing. This happened until 16 July 2022 . I took this lightly until I bought airtime and electricity but never received it . I went to the shop to buy groceries on the 16 July 2022, to my surprise I got a response of insufficient funds on my African bank account. This got me worried as I knew that I had sufficient funds.

I could not do anything as it was weekend and the bank was closed. on Monday 18 July 2022 I went to African Bank in Lusikisiki branch, the consultant told me that funds on my account were withdrawn to the amount of R58 000. The withdrawals of funds were done over counter and other funds were sent via cash send. This all happened under the supervision of African Bank, and this came as a surprise as I have got a limit of R6000 per day. The withdrawals were in R10 000 per transaction. This was reported to African Bank fraud department but I was advised to open criminal case at SAPS. I was told that after opening a case, I should get response within 48 hours, of which this did not happen.

I went to SAPS Port St Johns where I opened a case of fraud in the afternoon of 18 July 2022. The following day, 19 July 2022 I went to MTN Mthatha to sort out my phone as the sim card was not working. I was told at MTN that my phone was still hacked, and they tried to sort it and it took them more than 3 hours which proved that the scam was sophisticated,

In conclusion I complain about African Bank whom I have trusted with my funds. I submit The Following:

• I had a limit of R6000 per day, but African Bank allowed somebody to withdraw more than the limit

• The withdrawal was done over the counter which was surprising and gave a reasonable suspicion that it was an inside job

• This affected my health as I was stressed about this situation

• I spent money moving up and down trying to fix the problem

• My family, especially my children were affected as they were on school holiday as a result, I had to make loans for them to have transport money

• I need compensation of damages which I incurred

• I request o to assist me in this regard so that I can be compensated for the costs I incurred, emotional, health and reputation damages I suffered as a result of this fraudulent activities .

• African Bank should take responsibility as they failed to protect my funds .

COMPLAINT ABOUT FRAUDULENT ACTIVITY ON MY AFRICAN BANK ACCOUNT: ACCOUNT NUMBER: [protected]

On the 13 July 2022 I got telephone call on number [protected] /[protected].In the afternoon. The gentleman introduced himself as African Bank consultant who wanted to assist me on my bank account. The voice sounded like a voice of a man who was speaking in IsiZulu but not fluent in the language. He informed me that he was going to send me text message I should press 1 (accept) to accept the text message, if I did not press 1 my account was going to be frozen. I responded telling him that I don’t trust what he was telling me because I heard stories about scam of that nature, he insisted, but I refused. He fumed and told me that my account was going to be frozen. Indeed, text message came through my phone after few minutes, but I just ignored it until it went off, the text message came more than two times, but I continued to ignore it. Shortly, after that I received text message “Your SMS only roaming has been enabled. Please note that you will not be able to make or receive calls (even in SA) whilst this is enabled “.

The day continued, to the evening until I noticed that my phone did not have signal. It was common occurrence as the country was struggling with loadshedding stage 4 & 6, which was affecting network coverage severely. It was displaying “emergency call only “instead of usually displaying” MTN SA “. I slept and woke up the following day (14 July 2022) and experienced same thing, until my partner asked me, why I was not receiving calls as usual. He tried to call my number, but the phone was off. My partner advised me that we should call MTN service provider, using his phone. I was informed by MTN consultant that there might be something wrong with settings so, the consultant gave me USSD code to activate calls and smses. She advised me that the phone should take between 2 to 24 hours to be ok. I patiently waited for the stipulated time, until it was the following day without receiving or making any calls.

The following day (15 July 2022) I called MTN again through my partner’s phone as mine was not working. I was informed that my phone was “hacked”, somebody did sim swap. I was shocked as I never did a sim swap and in reaction I request MTN to correct the incorrect, of which they did, according to them. I was informed again to give it 2 to 24 hours for the phone to work perfectly. I waited and few hours I received few calls. I then believed that it was ok. My partner tried to call me in the afternoon of 15 July 2022 but my phone was off. I thought that may be it did not have signal as the loadshedding was continuing. This happened until 16 July 2022. I took this lightly until I bought airtime and electricity but never received it. I went to the shop to buy groceries on the 16 July 2022, to my surprise I got a response of insufficient funds on my African bank account. This got me worried as I knew that I had sufficient funds.

I could not do anything as it was weekend and the bank was closed. on Monday 18 July 2022 I went to African Bank in Lusikisiki branch, the consultant told me that funds on my account were withdrawn to the amount of R58 000. The withdrawals of funds were done over counter and other funds were sent via cash send. This all happened under the supervision of African Bank, and this came as a surprise as I have got a limit of R6000 per day. The withdrawals were in R10 000 per transaction. This was reported to African Bank fraud department but I was advised to open criminal case at SAPS. I was told that after opening a case, I should get response within 48 hours, of which this did not happen.

I went to SAPS Port St Johns where I opened a case of fraud in the afternoon of 18 July 2022. The following day, 19 July 2022 I went to MTN Mthatha to sort out my phone as the sim card was not working. I was told at MTN that my phone was still hacked, and they tried to sort it and it took them more than 3 hours which proved that the scam was sophisticated,

In conclusion I complain about African Bank whom I have trusted with my funds. I submit The Following:

• I had a limit of R6000 per day, but African Bank allowed somebody to withdraw more than the limit

• The withdrawal was done over the counter which was surprising and gave a reasonable suspicion that it was an inside job

• This affected my health as I was stressed about this situation

• I spent money moving up and down trying to fix the problem

• My family, especially my children were affected as they were on school holiday as a result, I had to make loans for them to have transport money

• I need compensation of damages which I incurred

• I request o to assist me in this regard so that I can be compensated for the costs I incurred, emotional, health and reputation damages I suffered as a result of this fraudulent activities.

• African Bank should take responsibility as they failed to protect my funds.