Really...best bank in SA, best bank in the World...

Capitec have really set the bar high in terms of customer service (they treat you like a human being), great banking set up where you get interest on your current savings account, affordable fees, no commission on forex when using your card overseas, best interest rates on fixed deposits. Withdrawing of money at the supermarket till point is so convenient.

The client is in control of their monies at all times with the App and internet banking. But for real. The app is not just there to be pretty. There have been times when I needed to change my card limits in a store, or while I was travelling abroad. No hassles.

I was with Standard Bank for a very long time, but they became very aggressive. Telling me that I must get a credit card and how and what I should do with my money. Forex was always a problem with them. And such rude tellers at their Forex counters. Treat people like *******.

I also had a British bank account with TSB Bank. The British Banks really treat their clients badly. To cut a long story short, they're a useless bank.

So yeah. I'm very happy with Capitec Bank, even after the Viceroy report.

I just think that Capitec Bank should be careful with rescheduling loans. That does concern me that it's such a large number of loans rescheduled and that it grew so rapidly in a short time frame.