Theft of money from bank

On the 1 February 2020 I opened a capitec account I deposited a sum of 61000 of my savings.I registered for online banking which needs a pin code which only me know. On the 12 February 2020 money start disupering from my account without notifications money were transfered from the 12 till the 24 without notification there were money transfered to capitec account numbers,airtime were Bought and money were sent.how I came to find out is that I wanted to buy items knowing I had money but there were insufficient funds.I went to the bank which registered a complaint and gave me a reference number I waited the 7 working days without being called.Today I went in and called from the branch where I opened the account .I was informed by a investigater Apfes that I won't get my money without informing me what the outcome of the investigation.My concern is how do the bank protect it's clients how safe is our money if someone can use your app while you have the code.Capitec bank claim to be this big bank yet we are not protected and we pay for it