Capitec Bank App and verification is problematic to put it light.

It seems if you do not have a mobile phone capitec is not the right bank for you.

My phone broke a month ago and am currently using a backup phone, the issue with this is my Capitec mobile banking app is on my broken phone. I am situated far away from any Capitec bank and do not have access to my own transport which means to get to a bank I need to walk 1-2 hours which is time I just do not have being full time employed. By the time I get to the bank after work they would be closed.

I thought okay this is not the end of the world, I could just go ONLINE and sort my finances out, but behold... you can not log into your online bank account without verifying your identity with your mobile app. So I called Capitec customer service line and the consultant just casually told me sorry nothing can be done about it, you need the app to log into your account. I enquired about other means of identity verification where the answer was also "only the app".

Because of this I can not adjust the limits on my card which meant I had to wait day to day and draw my limit for a week just to get my rent paid in time , of course once the limit is drawn I cannot withdraw any more funds from an ATM. So when I walk into a store and do my shopping and get to a till to pay and their card services are offline I just need to cut my losses and go home.

On a side note please do not think you can just download your Capitec banking app on another phone and log in..... OH no, you need to physically go to the bank and have them register your app for you, so even if you do have a backup phone you are still 100% *****ed if your phone with the banking app breaks.

This is possibly the worst system I have ever seen in my entire life, I can provide ANY form of identity verification yet only the banking app will suffice? I understand security is of paramount importance for a bank, but need it be to the point where clients would rather move banks than go through all of this nonsense?

Thank you for wasting my time, ruining my Christmas season and new years due to not being able to access my remote banking online. I'll definitely visit a Capitec branch in the future, not to register my app AGAIN, but to transfer my funds to another bank and close my account.

PS: please do not call me, I don't have the patience for another consultant to waste my time and will not answer any calls from this bank.