Based on recent customer reviews, Capitec Bank faces overwhelming criticism across almost every service area. Customers consistently report accounts frozen for months without explanation, ATM deposits and cash sends that disappear, and disputes closed without resolution. Staff & Branch Experience (2.1) emerges as the only relative bright spot, with individual consultants named for genuine care. However, Transactions & Dispute Resolution (0.8) and Account Access & Management (0.9) reflect systemic breakdowns that leave clients locked out of their own money.
Top Strengths:
- •Staff & Branch Experience: Individual consultants are repeatedly praised by name, including Tommy, Terry, Mpho, Kirstin and Sedikana, and Smart ID applications are often completed in minutes. However, many branches cannot reach head office departments, so clients return several times without resolution, and rude treatment is reported at multiple locations.
Replied to 81% of negative reviews
Reply time on negative reviews: 30h 46m
TrustIndex
2.5
Ranking
#9
in Banking
Reply Time
29h 18m
NPS Score
-55
Recommended: Unlikely
Replied to 81% of negative reviews
Reply time on negative reviews: 30h 46m
Nov '25 - Oct '26
Frequently Asked Questions About Capitec Bank
What do customers say about Capitec Bank?
Based on recent customer reviews, Capitec Bank faces overwhelming criticism across almost every service area. Customers consistently report accounts frozen for months without explanation, ATM deposits and cash sends that disappear, and disputes closed without resolution. Staff & Branch Experience (2.1) emerges as the only relative bright spot, with individual consultants named for genuine care. However, Transactions & Dispute Resolution (0.8) and Account Access & Management (0.9) reflect systemic breakdowns that leave clients locked out of their own money.
What is Capitec Bank's biggest strength?
Capitec Bank's biggest strength, according to Hellopeter's AI analysis, is Staff & Branch Experience. Individual consultants are repeatedly praised by name, including Tommy, Terry, Mpho, Kirstin and Sedikana, and Smart ID applications are often completed in minutes. However, many branches cannot reach head office departments, so clients return several times without resolution, and rude treatment is reported at multiple locations.
What are the most common complaints about Capitec Bank?
The most common complaint about Capitec Bank, based on Hellopeter's AI analysis of recent customer reviews, is Digital Banking & Security. The app is widely described as simple to use, but selfie verification failures lock clients out for weeks and card fraud claims are routinely declined. Customers report unauthorised Apple, Google and Uber Eats debits continuing even after cards are stopped and replaced at their cost.
How does Capitec Bank compare to other Banking companies?
Capitec Bank scores 1.2 out of 5 on Hellopeter's AI analysis of service quality in Banking, compared to the Banking industry average of 1.3. Their strongest theme is Branch Experience (2.1); their weakest is Transactions (0.8). The top AI-rated Banking business on Hellopeter is GoTyme Bank | Formerly TymeBank (3.1). How is the AI Score calculated? →
Is Capitec Bank trustworthy?
Capitec Bank has a TrustIndex of 2.5 out of 10 on Hellopeter, based on 2,967 reviews in the last 12 months. They reply to 81% of negative reviews, typically within 30 hours 46 min. Hellopeter has tracked Capitec Bank across 37,162 total reviews. How is the TrustIndex calculated? →
Recent reviews (2,967)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Sept 2025
INAPPROPRIATE THONG WEARING FEMALE STAFF
CAPITEC BANK WALMER PARK PORT ELIZABETH. FEMALE STAFF MEMBER (BOB HAIRCUT NOSE RING) INFRONT WEARS INAPPROPRIATE UNDERWEAR WHERE YOU CAN SEE THONG RIGHT THROUGH PANTS I FIND IT IN VERY INAPPROPRIATE AND DISGUSTING TO WEAR SUCH AROUND WORKING STAFF MEMBERS AND CUSTOMERS. IT MAKES A PERSON FEEL UNCOMFORTABLE STANDS OUTSIDE BY DOOR AND GIVE WALKING PEOPLE DIRTY LOOKS AND DON'T GREET CUSTOMERS. PLEASE TEACH HER TO WEAR DECENT UNDERWEAR, THIS IS A WORKING CORPORATE WHERE NEW FACES VISIT ALMOST EVERYDAY, HER VULGARITY WEARING IS MAKING OLD PEOPLE FEEL AWKWARD SOCIAL SITUATIONS. GRAZIE THANK YOU
1 reviews | Active since Sept 2025
INAPPROPRIATE THONG WEARING FEMALE STAFF
CAPITEC BANK WALMER PARK PORT ELIZABETH. FEMALE STAFF MEMBER (BOB HAIRCUT NOSE RING) INFRONT WEARS INAPPROPRIATE UNDERWEAR WHERE YOU CAN SEE THONG RIGHT THROUGH PANTS I FIND IT IN VERY INAPPROPRIATE AND DISGUSTING TO WEAR SUCH AROUND WORKING STAFF MEMBERS AND CUSTOMERS. IT MAKES A PERSON FEEL UNCOMFORTABLE STANDS OUTSIDE BY DOOR AND GIVE WALKING PEOPLE DIRTY LOOKS AND DON'T GREET CUSTOMERS. PLEASE TEACH HER TO WEAR DECENT UNDERWEAR, THIS IS A WORKING CORPORATE WHERE NEW FACES VISIT ALMOST EVERYDAY, HER VULGARITY WEARING IS MAKING OLD PEOPLE FEEL AWKWARD SOCIAL SITUATIONS. GRAZIE THANK YOU
1 reviews | Active since Jul 2025
Poor Service
I withdrew R2000 at capitec atm then i deposited the same amount to someone else using the same atm so i put the notes inside machine, after machine counted my notes it returned one 200 note when i checked it clipped the note on the side so i took the note inside capitec bank and told them what happened. They took the note and put it inside envilope and took my personal details as im also. Banking with capitec, they then told me the 200 note will be refunded back into my capitec account next day. Its been 3 days already still waiting for my note. Poor service.
1 reviews | Active since Jul 2025
Poor Service
I withdrew R2000 at capitec atm then i deposited the same amount to someone else using the same atm so i put the notes inside machine, after machine counted my notes it returned one 200 note when i checked it clipped the note on the side so i took the note inside capitec bank and told them what happened. They took the note and put it inside envilope and took my personal details as im also. Banking with capitec, they then told me the 200 note will be refunded back into my capitec account next day. Its been 3 days already still waiting for my note. Poor service.
1 reviews | Active since Mar 2019
Disappointing
I renewed my car disc, they delivered in to someone else. When I went to them to try fix the problem, we agreed they were going to arrange delivery since I had paid for it already on the app, I followed up a week later, this is the second weeks, still nothing.
1 reviews | Active since Mar 2019
Disappointing
I renewed my car disc, they delivered in to someone else. When I went to them to try fix the problem, we agreed they were going to arrange delivery since I had paid for it already on the app, I followed up a week later, this is the second weeks, still nothing.
1 reviews | Active since Jul 2013
No Feedback on ***** Investigation
Good day, We are still dissatisfied with the outcome of this matter. We have contacted the ***** Department and visited the branch in person, where we submitted the affidavit as requested. Despite taking these steps, we have still not received a clear way forward or a satisfactory resolution. Kindly provide us with an update on the investigation and advise on the next steps to be taken. Reference Number: *** We would appreciate your urgent attention to this matter and a clear response on how it will be resolved. Kind regards
1 reviews | Active since Jul 2013
No Feedback on ***** Investigation
Good day, We are still dissatisfied with the outcome of this matter. We have contacted the ***** Department and visited the branch in person, where we submitted the affidavit as requested. Despite taking these steps, we have still not received a clear way forward or a satisfactory resolution. Kindly provide us with an update on the investigation and advise on the next steps to be taken. Reference Number: *** We would appreciate your urgent attention to this matter and a clear response on how it will be resolved. Kind regards
1 reviews | Active since Oct 2026
Paid up since April 2024 still Handed Over - 2 year wait
Capitec Account *** PAID UP R0 since 18 April 2024. I have Form 19 from Matea Credit Clinic ***. Waiting 2 YEARS for clearance. First DC MSA *** CLOSED. Second DC Matea CANCELLED by Tribunal 10 July 2024 Case ***. NCR was ordered to move clients but never did. Capitec incidents *** and ***. Rishka Ebrahim says need Form 17.7 but both DCs gone/cancelled. XDS still shows Handed Over, ABSA declined R90k consolidation. I escalated to NCR *** and Credit Ombud with Form 19 and Tribunal proof. Please accept Form 19 and clear XDS. ID ***.
1 reviews | Active since Oct 2026
Paid up since April 2024 still Handed Over - 2 year wait
Capitec Account *** PAID UP R0 since 18 April 2024. I have Form 19 from Matea Credit Clinic ***. Waiting 2 YEARS for clearance. First DC MSA *** CLOSED. Second DC Matea CANCELLED by Tribunal 10 July 2024 Case ***. NCR was ordered to move clients but never did. Capitec incidents *** and ***. Rishka Ebrahim says need Form 17.7 but both DCs gone/cancelled. XDS still shows Handed Over, ABSA declined R90k consolidation. I escalated to NCR *** and Credit Ombud with Form 19 and Tribunal proof. Please accept Form 19 and clear XDS. ID ***.
1 reviews | Active since Jul 2011
Electricity advance - voucher not received
This morning I bought R65 of electricity. I don't get it and the transaction was reversed. I then tried buying R50 electricity advance. Didn't work also. I paid my outstanding electricity advance of R50 from my main account. Then I had R100 advance available. I bought another R50 advance. The advance amount of R50 was taken, but I never got my electricity voucher.
1 reviews | Active since Jul 2011
Electricity advance - voucher not received
This morning I bought R65 of electricity. I don't get it and the transaction was reversed. I then tried buying R50 electricity advance. Didn't work also. I paid my outstanding electricity advance of R50 from my main account. Then I had R100 advance available. I bought another R50 advance. The advance amount of R50 was taken, but I never got my electricity voucher.
1 reviews | Active since Feb 2023
CASE NUMBER: *** DISPUTE OF A HOLD ON MY ACCOUNT
Dear Capitec, Im writing to dispute again Suspecious ***** Case launched against My Capitec Account, I had called capitec Bank for follow up, and they Advice to send an email Case was Opened by Siyabonga Phakathi, he paid a reservation fee of R300 to my capitec account,on the 13/10/2026, he consent and registered over our online form to follow all our terms and condition, we also agreed to each other that he will view month end his room, since tenents has not moved out, but he came yesterday to our site and i wasnt available he then claimed it as **** According to our Agreement between us and him we still awaiting for him to report month end if not, he can request a refund by then, and again it not ***** syabonga Phakathi registered an contested with us and our terms and conditions. Please find attached proof of his consent and our conversation and i request you to communicate with me if more evidence needed, and also remove a hold on my account. Account Holder : Philani Nhlonipho Mkhwa**** ID : ***
1 reviews | Active since Feb 2023
CASE NUMBER: *** DISPUTE OF A HOLD ON MY ACCOUNT
Dear Capitec, Im writing to dispute again Suspecious ***** Case launched against My Capitec Account, I had called capitec Bank for follow up, and they Advice to send an email Case was Opened by Siyabonga Phakathi, he paid a reservation fee of R300 to my capitec account,on the 13/10/2026, he consent and registered over our online form to follow all our terms and condition, we also agreed to each other that he will view month end his room, since tenents has not moved out, but he came yesterday to our site and i wasnt available he then claimed it as **** According to our Agreement between us and him we still awaiting for him to report month end if not, he can request a refund by then, and again it not ***** syabonga Phakathi registered an contested with us and our terms and conditions. Please find attached proof of his consent and our conversation and i request you to communicate with me if more evidence needed, and also remove a hold on my account. Account Holder : Philani Nhlonipho Mkhwa**** ID : ***