Capitec Bank
reviews and complaints

On the 1st july 2016 I asked my freind to transfer money to a freind of mine via cell phone banking an amount of r500 the transfer went through but next day he told he didnt received the money I went to a capitec branch to check up what went wrong I found out the money was withdrawn by someone else who is using same number for sms notification I was told there is nothing the bank can do to refund or compensate the error I ask my self how can the bank wont assist me I need help must I logged a complaint to ombudsman I fill although maybe I made the mistake but bank can do something or arrange for that person to pay or reverse any money on her account in order for me to get my money back.

Absolutely worst customer service from capitec bank

Please help! Me and my wife did several atm deposits on sa*ay 4 june. The atm took r26000 and never credited it to my account. The assistant branch manager witnessed how the atm "swallowed" my money. We then spent more than an hour inside the bank logging the complaint. The assistant branch manager then promised us that they will have it sorted the following monday when the security company attends to the atm as they have logged a service call with them. I phoned the branch manager on tuesday and we basically told me that it is not his department and that capitec will get back to me in 14 days regarding the issue. For the entire week absolutely nobody of capitec bank contacted us, despite promising us that it will be sorted! I then logged a complaint with their complaints department, which in turn promised that they will get back to us within 3 days, which they never did! I was the 3rd person that morning that lost money at that atm. I advised them to disable that atm as it was faulty, but they then allowed other customers to use it which resulted in another 2 people losing money at the atm. I logged several complaints with the branch and complaints department and no one has gotten back to us.

My name is jason lumbala. I am a south african permanent resident working as an rf engineer.
I went to open a new bank account with the idea to also open a business account but unfortunately capitec bank consultants in [protected]@red in centurion, said my identity document is not good and they came up with excuses that they customers service told them that my identity document is used by someone else simply because they see that I am not a south african. When I went to home affairs, they told me that my identity documents is only used by me. I am surprise that even at the bank, people are still applying xenophobia again foreign national and especially toward black foreign national and this type of behaviour can push foreign investors form investing in south africa. Therefore, I would like to advise business owners of capitec bank to monitor south african black employees who are working at capitec bank. Bad things are happening there again black foreign nationals. The same identity document is used for many of my investments and bank accounts and only at capitec bank where they suspect fraud with my identity documents. Please let foreign national live in this country because many south africans are also in our countries investing in minings. Please. My email address is : [protected]@hotmail.co.za.

Hope to hear from you.

I received a personal loan from capitec bank in march this year. I did not notice on that the collection date was wrong. My salary date is the 22nd of each month but what was captured was 21st of each month.
In april a family member deposited cash into my account for a family function that I was going to attend. To my surprise when I wanted to withdraw the bank had prematurely deducted the loan repayment amount. They paid it back, apologised said that the bank usually put a 7 day prepayment and that it should not happen again.

It happened twice again after that. I discovered that the wrong date was captured and reported it immediately proving proof of my salary date and still they did not change the date. I had also opened a savings account and the correct date appears but still they are refusing to change it.

In addition it has transpired if other cash gets paid into your account - whether it is your salary they also deduct your loan repayment from your account. I reported the matter 4 times including to their complaints / client care office and with promises to come back to me but up until today, they have not returned my calls or rectified a date that is to their benefit. All I was asking is change the date so that my loan does not default to ensure payment on a loan and they are refusing giving me lame excuses.

My diabetic mom cillapsed so she had to be taken to a private doctor quickly and money was needed, I was called and asked to urgently deposite money at capitec bank for my mom's consultation. When I arrived at the bank there was a guy at the door giving out numbers so told him what im here for and he gave me a number. I waited on the q for about 30min and when it was finaly my turn (I was 1st in the q) when I arrived at the cashier she told me she didn't call my number I must waist for my number to be called, I was surprised cause there was no one she was servicing at that moment, then she started servicing people who were behind me. All this time my mom was waiting for this deposite at the doctors waiting room. I would have easily been too late. To think I was thinking of opening an account with capitec and start depositing my salary in it because of their low charges, but I really wouldn't recommend capitec bank to anyone, even though the charges are less the service is very bad.

Sunday 17th, I went to new germany branch to withdraw money, my card was jammed and 5000 was withdrawn from my account, I called help line for the card to be closed I gave my identity document of which I feel that the consultant took his time assisting, while answering all his questions the money was withdrawn.

Monday 18th, I went to the branch, of which it was not helpful instead I was told making phone calls gives time for thief don't you have internet banking off which you could have stopped your card yourself.

Crime it is high and as customers we do our level best to safe guard our money, the branch doesn't have security on sunday, making it easy for people to be robbed, at the branch I was not even told that I will get my money back just that investigation will be conducted

Also upon panic one is not sober minded, negligence towards customers money needs serious attends,

Good day,

On 28 march 2016, I deposited r3000 via an atm using cardless service (tygervalley mall branch). The machine accepted the money but no receipt was produced and no reference number was asked. Subsequently, I called the call centre and reported my case, I was told the issue will be investigated and I will be contacted in 2 days time.

On 30 march I went to the tygervally mall branch (where I deposited the money) to follow up on the issue and to deposit the "lost" money again because payment due date was 30 march 2016 (so I had to pay the money).

The service I received at tygervally mall branch was the worst service I have ever experienced. The consultant was so disrespectful and patronizing. I was told that the money will be paid to the account it was intended for. I explained to the consultant that I have already paid the money because it was due today (30 march) and the consultant dismissed me and was very rude. She said its the process and they are following it.

How can you follow a process if its your atm that was faulty! It is definitely not my fault that your machine was faulty. Secondly, no one apologised to me and no one followed up. I expected to be treated with dignity but I was treated extremely badly. The service at this branch is so appalling.

Capitec expects us to migrate to them and leave our banks and yet they cannot even solve simple queries. No sms was sent to me to confirm the case I logged, I have not received any follow up call to confirm or to give feedback. Words fail me to express my disappointment with capitec! I want my money!

Retrenchment cover not assessed due to retrenchment assessment letter that is missing. The arrangements was for me to pay certain amount from november 2015 which I did. Capitec garankuwa consultant confirmed that, those changes were not communicated with them on time by retrenchment cover office. They only knew about retrenchment assessment letter on a later stage. Both retrenchment cover office and capitec garankuwa failed to communicate this with their clients. I can't be held responsible for capitec offices miscommunication and continue paying for another 3 months. That wasn't initial arrangement. Please sort out, i'm very unhappy

I submitted retrenchment documents in november 2015 for retrenchment cover and was told to submit payslip asap for documents to be processed and I did exactly that. Made an arrangement to pay certain amount from november 2015 for 3 months.in february 2016 a consultant at capitec wonder park mall called retrenchment office to know about my retrenchment cover status and was told that retrenchment assessment letter is missing. I went back to capitec ga rankuwa branch where I initially submitted my retrenchment documents. The consultant who submitted documents last year, also called retrenchment consultant on the same day who confirmed that retrenchment assessment letter and payslip are missing. I submitted the payslip but I don't how come it went missing. The consultant confirmed that retrenchment office failed to communicate with them on time about retrenchment assessment letter and that's the reason I didn't get it in november 2015. They only knew about retrenchment assessment letter on a later stage. Capitec retrenchment office failed to communicate with branches and clients. The retrenchment consultant said it'll take them another 3 months to assess retrenchment and I have to continue paying for the mistake that they did. I'm still unemployed and cant afford that. I cant be held responsible for lack of communication from capitec retrenchment office and continue paying. They should have communicated this with other branches or at least with their clients on time to impede complications theyve created now and hinder clients payment background to have bad effect.

I was defrauded r3000.00 by someone who claimed to be a consultant of capitec bank early february last year (2015). I was only having a month or so with activated cell phone banking. They use to call me before about any unusual debit order from my account and they never speak about sorting out such problems over a phone. But once after being encouraged one consultant from menlyn park branch to activate cell phone banking then they started telling about reversing debit orders using my cellphone.

Tanya de klerk is arrogant and ignorant
I contacted capitec to obtain a settlement letter on my. I received the letter. However the amount made no sense to me as I previously (9 months earlier) received a settlement letter. Long story short. Below is my response to tanya of which she completely ignored it and did not even entertainment. She went and changed the letter as it was incorrectly dated but failed to answer my question. She did not even bother to say, i'm looking into this will revert shortly. Nothing! I'm obviously not important, she is way too busy to explain to a capitec client what she deserves to know. She did not even apologize for the error. She just forward the letter without saying anything. Who am I to expect her to apologize to me after all? I'm just a number! I want someone who has people skills to explain to me how the below is possible

The last time I checked, will attach settlement letter which was april 2015 the 22nd. My settlement amount was r67711.42. Since then i've made 9 payments. R2480.00 x 9. Now 9 months later it's only r4551.43 less?

Please can someone explain how that is possible? Makes no sense to

Halo i've been with capitec for more than 5years now an lobe their service. But since I have changed from employee I just have had problems! I star working for a smaller company and the wherenjn the process of a name change to the company. I didn't relized that it was not registered at sars yet and went for a credit app. The kick it out and said it was fraud cauz my payslip is not matching the system... This all happend on 4th of november. Today i'm still stuggling to do anything on my account because of the prevent status that the furensic department is suppose to take off... The company have been registerd at sars hand I have send them the documents from sars. When I phone the brach to found out what the outcome is they just say sorry we are waiting for the people to come back we did send them the e-mail... I really need the money before the 1ste of january and the people at the branch just say sorry we must wait! I have never struggle with capitec this long ever! Not very good service and I still need the money. Think about yo go to another bank that will help me better!

On 27 november 2015 at about 05:20 am I transfered an amount of r600 from my savings account (named amber) to my savings account - we were on bellville station waiting for our train to work. My husband then went to the fnb atm situated on the station within eye view from the capitec branch with was obviously closed and so were the 3 atms (2 located at the branch and one at the tick office on the station directly opposite capitec bank). He frantically called me moments later telling me that the atm had swallowed my card and it sounded like the machine was counting money but no money came out. I went to meet him there and saw that the atm had prompted to enter card for a transaction. No money and no card. He did mentioned that someone was at the other atm but none when to the one he used and no one came while I was standing there either. I was too scared to allow anyone to use the one where my card was swallowed. My husband went to capitec and got the number for their call centre which I then called to have my card stopped. I was assured that if it was an error the bank would reverse payment bank into my account with in 24 hours and if this was not done the consultant then logged a request (ref: [protected]) which would take up to 30 days for my refund. A few days later I received and sms confirming that the refund request has been declined. I then called the call centre and even after I visited the branch in kuilsriver I left with the conclusion: 1) my response time (5 mins) was not enough to stop my card 2) most clients calling to stop their cards and claiming money is stolen is lying 3) my card and pin was in fact used at another atm when I went to the branch in kuilsriver they showed me that on my statement it indicated that m my money was withdrawn at an atm located at 51 durban road bellvill almost immediately after my husband tried to withdraw money from the atm on bellville station. He either needed to be superman to get there and get the money or that had to the be the only atm we tried to withdraw from! - the investigators on this request did not do a thorough investigation (my personal opinion) 51 durban road is where the old nedbank building is... I doubt there is still an atm there. What is strange is that I received an sms message confirming that I transferred money from ambers savings to my account and anothe one confirming transfer again and the amount left in her account but no sms with regards to the r650 that was withdrawn form my account! Needless to say i'm still short r650 and my bank is not will to assist in a thorough investigation because they suspect I stole the funds myself. I'm outraged at the mannerism at which the situation is being handled. I in fact changed from fnb to capitec... Which makes me kick myself. If I hadnt changed I would have had that money today. It might not seem much to capitec but it means a lot more to my family. If anyone really cares to assist we would really appreciate it.

I ask myself, how did I change from my bank to coptic? By hearing how great coptic is. But what happened to me with this few days, i'm thinking twice. How can coptic transfer money from my account to another, then when I query, only to hear, they will lock the query, and I will wait 31 working days. Being a single mom with 3 kids, 3 days before school start, how can I wait. What happened, my youngest son broke his wrist on the 29 seep 2015, swiping my coptic card for the doctor's fee, where it went off direct, only to receive a sum's on the 06 oct 2015, 10:08, the some amount taken again, 10:14 money paid back in my account. But this morning 09 oct 2015, 02:59, the money were taken again, phoning and asking coptic account dept, what now, so many calls later, and only to say it's 16:03, and no feed back from my bank, no sum's, no money, only a r0.00 account balance. And end of this month, to keep in mind the transaction fee's. Thank you, coptic for really helping me. I will keep in mind that I must think twice about keeping my account with you, and sadly to say, my 3 kids also have accounts with you.

I always thought highly of capitec. Me and my husband have all our accounts with capitec. But today I lost all respect for capitec! We had a problem with money that was not reversed to back to our account. We explaining everything to the consultant at the louis trichardt branch. She was so uneducated and could not speak or understand english or afrikaans. She did not know how to help us. We asked for the manager and explained to her that the consultant are uneducated and could not even understand our problem, let alone have a solution for us. The manager was not very helpful and we left the branch with no solution to our problem! I am very very very disappointed at your poor service and lack of education! And we are thinking of moving all our family accounts and business to another bank that have better service with more educated personal that knows what they are doing!

I have been banking with capitec bank for the past 4 years and also opened accounts for my children. Including my 5year old son and I have been using his account. I needed a bank letter confirming that I am the main signatory on the account and for the past 3 weeks they have not assisted me. At cresta they have printed the contract for me and client profile but cannot supply me with a bank letter. Surely if its an account for a 5year old who do you think is using that money and transacting on the account? Emails go unanswered and they promise that they will get back to me and there has been no communication to date. The call centre agents are not helpful and I don't understand why I cannot get a simple bank letter in this regard! Capitec may be cheap but customer care is terrible

Today the 30-05-15, I called in to cancel/stop my card. Spoke to melisa in the call centre this was 07:09am, she confirmed that she has stopped my card, yet after an hour 30minuts I received two withdrawal notifications. How is that possible after confirming my card was stopped. I didn't punch in my pin or amounts. This is completely daylight robbery and a scam. Management, check your staff, are they being loyal and faithful to your brand and its clients? This is unacceptable. If this is not resolve or be reimbursed, I will make it a point to drag the brand name/ image into the mud. I will go to the media and whatever social platforms to alert all innocent client banking with capitec bank... Pr team i'm sure this is negative image of the brand, kindly resolve this for me! Highly disappointed client.

Firstly, they did my stop order wrong. I went to the branch again! Then imy account was blocked, I couldn't receive transfers. Went to the branch again! Was told it's because of fica documents! Of which I submitted. I was then given a letter as proof that my account is now active again! Not with capitec! They just never get anything right the first time! It's bloody still blocked! People still can't transfer money to my account! I can't be going to your stupid bank every bloody weekend. I have things to do and a child to give my attention to! On weekends I should be home enjoying time with, y son! Instead i'm at capitec every weekend trying to rectify their mistakes! Their incompetence is costing me so much! I have to spend my petrol every damn weekend! I can't do this anymore!

I received an sms to fica my account and went to capitec to do so.
The lady at reception phindile lukele handing out all the call slips checked my documents and confirmed that all was in order. She asked me for my id and I told her that I did not have it but I did have a copy of my licence. She said it was fine she handed ne my call slip and I went to the waiting area had slip no 135 and had to sit in line for a while. When at last it was my turn I was told that it was my turn I was suddenly told that they could not accept my licence. I explained that phindile said it was fine they called her to explain and she told them I was lying! I was then sent away and told to return with an od or passport.

As of december 2014, capitec bank took money out of my savings account claiming that I made those purchases and a multi loan, to top it all when I asked for the bank statement it didn't show anything of what they claim I owe them but in terms of them refunding me my money they declined and for a bank that I trusted I can honestly say that they cheats and liars and I want nothing to do with them.

I thought that I could trust at least this bank but like the rest of them they steal your money. As well as my colleague is in the same predicament.