How safe is clients money with Capitec bank?

Transfer of funds from my account to another Capitec account and again from that account to a Capitec and other Bank accounts happened without authorization. It was done through an APP and the ip adrees is in JHB. My phone was ****** at Checkers in Whiteriver. I immediately blocked the cell did a sim swap all within 40 minutes of my phone being ****** as my cell supplier was open and in the entrance of Checkers. This incident happened at 15h10 and I blocked my sim at 15h30. At 20h10 the transfers were made? How and with what pin? A recorded conversation indicates that there have been several similar incidences worth more than a million Rand. No warning from Capitec in this regard. How were the funds transferred without my pin? My app pin and the card pin used to purchase at Checkers are completely different. Even if I was watched and pin gotten in such a manner it would not have given them access to my account through my app. I have almost been a client of Capitec bank since their inception and have had a very good relationship with the bank. They also made good money off me during this time and still are. I was called and told in no uncertain terms that they will not be refunding my money which is only R14500 and not half a million such as during one of the other incidences for me however this means that several debit orders could not be paid. I am more disappointed than angry at this institution that I have supported for a long time. It begs the question How safe is my and others clients money with this bank. They experience regular program glitches recently todays double deductions a point in case.