Discovery Bank | Unexpected Account Charges and Poor Customer Service Experience

I opened a Credit Builder Credit Card account with Discovery Bank in September 2025. Along with this, a Transactional Account was added without my request or consent. When I later closed the Credit Card account in December 2025, I was advised of monies owing to the Credit Card. The value advised increased as there is a waiting period on closure of accounts and Discovery added daily charges to the amount payable on closure. Even though I contested the increased payable value, they were adamant that the monies had to be paid for the closure of the Credit Card.

Early in January 2026, I received another letter stating that I owed money on the Transactional Account.

On 5 January 2026, I contacted Discovery Bank and spoke to Basile, who committed to reviewing the call recordings to confirm whether I had been advised about the Transactional Account and monies payable on closing the Credit Card. I never received a follow-up, and in the meantime, the amount owing on the Transactional Account continued to increase due to daily charges.

Today, 11 January 2026, I contacted Discovery Bank and spoke to Thando, whose manner was unprofessional and dismissive. While I understand POPI regulations, the interaction became hostile once I raised concerns about escalating the matter.

Overall, my experience has been extremely disappointing. I would rate the service received from both consultants as poor. I caution prospective customers to ensure all products, fees, and account closures are clearly documented in writing, as hidden charges and delayed closures can result in unexpected costs.