Capitec allows you to make erroneous payments.

A saved beneficiary on my app changed their number but still Capitec allowed me to make payment with no notification about this change. As a result, the funds were sent to an incorrect recipient and when I ask them to reverse these funds they tell me they need consent from that recipient. Came back a day later with a regretful email telling me the funds couldn't be reversed.

I regret leaving FNB and will be closing my account with unhelpful bunch.