I'm closing my account.

Since yesterday I have tried repeatedly to do an online payment to a beneficiary that I have paid numerous times in the past, using both the app and online banking. Every attempt resulted in being logged out completely. At least with online banking I received and error code.

I phoned the call centre multiple times, I sent three emails with screen shots, but no success in getting the problem resolved. The emails simply go unanswered and ignored.

Today, a day later, I finally left work and drove to the nearest branch. I was told I must use the online banking terminal in the bank. The payment failed again.

Then a staff member came over and basically took over. She wrote my credit card number of the credit card account I was paying on her hand (!! - for all I know it's still on her hand) and then created a new beneficiary and made the payment, all very nonchalant and without once apologising. She just said, yes, sometimes they make changes and I must just use the new beneficiary that she created from now on.

So, at least the payment got done, but:

1. No one at the call centre had a clue how to assist. 2. Despite promising that my issue would be escalated, I have yet to hear from anyone. 3. Emails with screen shots which I started sending the next day after the problem started have all been ignored. 4. At the branch the issue was finally resolved, but only after a staff member thought it was a good idea to write my credit card number on her hand and then taking over the process, instead of just telling me that it was a system glitch and what I needed to do was create a new beneficiary. No apology given - I must just accept that I had to drive to the bank to do an online payment. 5. I was charged R5.50 for the privilege taking time off work, driving to the bank, and using their facility to make an online banking payment.

This is third world service. I guess I was wrong about Capitec.

I will be closing my account.