Capitec - worst bank

I’ve had nothing but frustration with Capitec Bank. I paid off my access facility in full by mid-July, expecting the account to be settled. But at the end of July, Capitec quietly added insurance charges and other fees without my knowledge. Not only did they remove my access facility without notifying me, but they also started calling me about a balance due — even though the payment is only due at the end of August! Now I’m apparently in arrears, despite having cleared the facility. It’s absurd and misleading. Their “low fees” might sound appealing, but the hidden charges and poor communication make it the worst bank I’ve ever dealt with. Every interaction has been a headache, and I’m relieved to finally be done with them. If you value transparency, accountability, and basic customer service — look elsewhere.