Based on recent customer reviews, Capitec Bank faces severe and systemic service failures across virtually every dimension of the banking experience. While a small number of customers praise individual branch consultants by name for exceptional personal service, the overwhelming majority of feedback describes frozen accounts without explanation, unresolved fraud cases lasting months, missing funds from transactions and ATM deposits, and a complaints process that consistently fails to deliver resolution or even basic communication.
Top Strengths:
- •Staff & Branch Experience: A handful of consultants are praised by name for patience, empathy, and going above and beyond. Branches like Meadowdale, Promenade, and Sea Point receive specific commendations for friendly, efficient service.
Replied to 9.730250481695569% of negative reviews
Typically takes less than 11h 4m to reply
TrustIndex
1.2
Score
Avg Reply
1039
Hours
NPS Score
-57
Recommended: Unlikely
Replied to 9.730250481695569% of negative reviews
Typically takes less than 11h 4m to reply
Apr '25 - Mar '26
Recent reviews (3,949)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperiencePopular mentions
1 reviews | Active since Jan 2020
Complaint.
Unjustified Account Flagging Affecting My Business I am writing to express my frustration and request urgent assistance regarding an issue with my Capitec account. I am a social media influencer, and I receive payments from clients in exchange for promoting their businesses. Recently, I was paid R100.00 by a client for promotional services, which I duly provided. However, to my surprise, this same individual reported my account after the service was completed. As a result, my Capitec account has now been flagged. This situation is severely affecting my business operations. Clients attempting to pay me are now subjected to unnecessary security questions, which creates doubt and discourages them from proceeding with payments. This directly impacts my income and professional reputation. I find it unfair that my account can be negatively affected by a single report without proper investigation or communication with me. I kindly request the following: - A full review of the report made against my account - Immediate removal of any unjustified flags or restrictions - Clear feedback on what steps I can take to prevent this from happening again This matter is urgent, as it is disrupting my ability to earn a living. I expect prompt resolution and communication from Capitec. Thank you. My ID Number is 9910270659080 My Capitec Account Number is 1628291794 Kind regards, Wandile Mkhize 084 498 0954
1 reviews | Active since Jan 2020
Complaint.
Unjustified Account Flagging Affecting My Business I am writing to express my frustration and request urgent assistance regarding an issue with my Capitec account. I am a social media influencer, and I receive payments from clients in exchange for promoting their businesses. Recently, I was paid R100.00 by a client for promotional services, which I duly provided. However, to my surprise, this same individual reported my account after the service was completed. As a result, my Capitec account has now been flagged. This situation is severely affecting my business operations. Clients attempting to pay me are now subjected to unnecessary security questions, which creates doubt and discourages them from proceeding with payments. This directly impacts my income and professional reputation. I find it unfair that my account can be negatively affected by a single report without proper investigation or communication with me. I kindly request the following: - A full review of the report made against my account - Immediate removal of any unjustified flags or restrictions - Clear feedback on what steps I can take to prevent this from happening again This matter is urgent, as it is disrupting my ability to earn a living. I expect prompt resolution and communication from Capitec. Thank you. My ID Number is 9910270659080 My Capitec Account Number is 1628291794 Kind regards, Wandile Mkhize 084 498 0954
1 reviews | Active since Jan 2020
Unlock my account
My account is on hold since 2025 January, now my main account doesn't have money, that have been collecting money fees while my account was on hold since. Now they are collecting money from one of my savings plan so I don't know what to do because they said they are fixing my account since last year but no feedback.
1 reviews | Active since Jan 2020
Unlock my account
My account is on hold since 2025 January, now my main account doesn't have money, that have been collecting money fees while my account was on hold since. Now they are collecting money from one of my savings plan so I don't know what to do because they said they are fixing my account since last year but no feedback.
1 reviews | Active since Jan 2020
No help Capitec
I wonder if it is only me? But I can’t open a business account. It’s been almost 2 months and I’m still struggling to get an account with Capitec
1 reviews | Active since Jan 2020
No help Capitec
I wonder if it is only me? But I can’t open a business account. It’s been almost 2 months and I’m still struggling to get an account with Capitec
1 reviews | Active since Jan 2020
Not happy with Capitec service
I logged a *****ulent online transaction that occurred on Tuesday, but I haven't received a satisfactory response. This makes me feel that Capitec is not protecting its clients, as about R500 was deducted for an online purchase I did not authorize or subscribe to. I'm not happy at all.
1 reviews | Active since Jan 2020
Not happy with Capitec service
I logged a *****ulent online transaction that occurred on Tuesday, but I haven't received a satisfactory response. This makes me feel that Capitec is not protecting its clients, as about R500 was deducted for an online purchase I did not authorize or subscribe to. I'm not happy at all.
1 reviews | Active since Jan 2020
Insurance ****
Last year on the 28th of February 2025 I was struggling to add my mother on the policy using my phone. I then went to Capitec bank Branch in Greenstone to add my mother. The consultant put on the wrong date of birth, I went to Capitec bank Branch yesterday to fix their error and I was told they won't waiver the membership and I won't be reimbursed for an error 1 digit error that was made by their consultant. How is that fair? I wasted R1500 for your error and zero accountability? I have to wait for an additional 6months again? No this is complete bull Capitec. I want my money
1 reviews | Active since Jan 2020
Insurance ****
Last year on the 28th of February 2025 I was struggling to add my mother on the policy using my phone. I then went to Capitec bank Branch in Greenstone to add my mother. The consultant put on the wrong date of birth, I went to Capitec bank Branch yesterday to fix their error and I was told they won't waiver the membership and I won't be reimbursed for an error 1 digit error that was made by their consultant. How is that fair? I wasted R1500 for your error and zero accountability? I have to wait for an additional 6months again? No this is complete bull Capitec. I want my money
1 reviews | Active since Jan 2020
Process my money
There is the money capitec unprocessed on my saving account and is being a while and I need it back
1 reviews | Active since Jan 2020
Process my money
There is the money capitec unprocessed on my saving account and is being a while and I need it back
1 reviews | Active since Jan 2020
Positive Review finally
Finally you have fixed moneyup.co.za though it does say no win but I got R70 today iam so happy finally some vouchers keep them coming team Thank you so much those capitec flexi are so helpful.i will definitely delete all negative reviews about you today.only positive for you guys since you do well.
1 reviews | Active since Jan 2020
Positive Review finally
Finally you have fixed moneyup.co.za though it does say no win but I got R70 today iam so happy finally some vouchers keep them coming team Thank you so much those capitec flexi are so helpful.i will definitely delete all negative reviews about you today.only positive for you guys since you do well.
1 reviews | Active since Jan 2020
Get your act together!. The token I'm using with Internet banking limits me severely and the consultants don't know what they're doing??.
I added a 32 day notice deposit to my portfolio but now it's worse than before as I can't select any payments to go from my 7 day Deposit, as it doesn't give me the option!?. It's an absolute mess!!. Really Capitec, get your act together. There are still clients of yours that use a token and need full service with internet banking that WORKS!!. I'm having to go back and forth to the Herm**** Whalecoast Mall because the consultants don't know what they're doing?. Its a disgrace!
1 reviews | Active since Jan 2020
Get your act together!. The token I'm using with Internet banking limits me severely and the consultants don't know what they're doing??.
I added a 32 day notice deposit to my portfolio but now it's worse than before as I can't select any payments to go from my 7 day Deposit, as it doesn't give me the option!?. It's an absolute mess!!. Really Capitec, get your act together. There are still clients of yours that use a token and need full service with internet banking that WORKS!!. I'm having to go back and forth to the Herm**** Whalecoast Mall because the consultants don't know what they're doing?. Its a disgrace!