1 reviews | Active since Jan 2022
Discovery Bank worse than Capitec - Not sure I changed my bank ACC
Hello Peter please assist - I open a Discovery bank account suite on 10 March2025, which was a GOLD suite acc and Credit card acc which has one fee on a monthly basis for the suite charges.
On the 10 March the fees were deducted because Discovery charges in advanced for the fixed charge option.
I have both cards issued, transaction card and a credit card with ZERO credit available, Discovery credit card is requesting a payment of R110 for a monthly fee for a credit card with ZERO funds on the card limit.
WHY WOULD ANY BANK ISSUE A CARD A ZERO FUNDS AND STILL INSIST ON A HIGH MONTHLY CHARGE OF R110 which is almost the same rate as my suite monthly charges. Why would i pay separately for credit card monthly charges when i have taken a suite option and one monthly fee.
I did call up Discovery bank last week and spoke to a lady SEEMA who was to get back to me with this error and still did not get back to me. my credit card account still shows a negative balance of R110 .
i did call today again to check why the issue is not fixed, and the call was dropped by the discovery bank agent due to her not able to assist me.
I also have a pop-up message appearing on my Mobile app when i log in which reads " Discovery bank still in the process of opening your pending account " i have requested discovery to chase up on this and it is taking almost 2 months with no feedback
Worst decision ever to move from Capitec bank to Discovery bank. Seems like Discovery bank is still new in this banking environment and will end up losing customers if they can't manage Customers accounts.
trans *** credit card - ***
Contac number: ***
I sincerely apologize for the experience had with us.
Please note your monthly account fees for a gold banking suite amounts to a total of R229, it is for both your transactional and credit card account. However; the bank deducts them separately from your account, please see the fee breakdown:
1. R110 is for account fee
2. R50 for Vitality Money Premium
3. R69 for Credit Facility
For your credit limit allocation, please provide us with a call reference number of the agent you spoke to for further investigation.
Kind Regards,
Onthatile
I sincerely apologize for the experience had with us.
Please note your monthly account fees for a gold banking suite amounts to a total of R229, it is for both your transactional and credit card account. However; the bank deducts them separately from your account, please see the fee breakdown:
1. R110 is for account fee
2. R50 for Vitality Money Premium
3. R69 for Credit Facility
For your credit limit allocation, please provide us with a call reference number of the agent you spoke to for further investigation.
Kind Regards,
Onthatile
Thank you for responding, however what is the purpose of DISCOVERY issuing me with a credit card.
What is the purpose a credit card and how does one use this card?
Is Discovery Bank in a business of allocating credit cards to its customers with zero funds yet Request Monthly account fees for zero service level rendered on that account
What is the breakdown of the account fees of R110
Vitality fee is R35 reflected on the website - How do you get R50
regards
Thank you for responding, however what is the purpose of DISCOVERY issuing me with a credit card.
What is the purpose a credit card and how does one use this card?
Is Discovery Bank in a business of allocating credit cards to its customers with zero funds yet Request Monthly account fees for zero service level rendered on that account
What is the breakdown of the account fees of R110
Vitality fee is R35 reflected on the website - How do you get R50
regards
I sincerely apologize for the inconvenience you’ve experienced. It is certainly not the standard for a situation to arise where credit is approved but the corresponding amount is not allocated.
Please be assured that I am actively investigating the matter and have escalated it to the relevant managers for urgent attention.
In the meantime, you may refer to the following link for a detailed fee guide related to the Gold Bank Suite: https://www.discovery.co.za/wcm/discoverycoza/assets/bank/fees-guides/discovery-bank-gold-suite-fees.pdf
Thank you for your patience and understanding. I will keep you updated on any developments.
Kind Regards,
Onthatile
I sincerely apologize for the inconvenience you’ve experienced. It is certainly not the standard for a situation to arise where credit is approved but the corresponding amount is not allocated.
Please be assured that I am actively investigating the matter and have escalated it to the relevant managers for urgent attention.
In the meantime, you may refer to the following link for a detailed fee guide related to the Gold Bank Suite: https://www.discovery.co.za/wcm/discoverycoza/assets/bank/fees-guides/discovery-bank-gold-suite-fees.pdf
Thank you for your patience and understanding. I will keep you updated on any developments.
Kind Regards,
Onthatile
I sincerely apologize for the delay. The Product and Credit Operations team are still working and investigating your account and advised they will provide feedback as soon as possible.
Please be assured that we are treating this with the seriousness it deserves — every aspect is carefully considered.
Kind Regards,
Onthatile
I sincerely apologize for the delay. The Product and Credit Operations team are still working and investigating your account and advised they will provide feedback as soon as possible.
Please be assured that we are treating this with the seriousness it deserves — every aspect is carefully considered.
Kind Regards,
Onthatile
Thank you for your patience while I investigated this for you.
I’ve received feedback from the Product Operations and Systems team. They’ve confirmed that your credit limit allocation issue has been resolved, and your approved credit limit has now been allocated.
Please log in to your banking app to confirm the updated credit limit.
May you kindly also confirm if you would like to keep your two accounts as a suite?
Kind regards,
Onthatile
Thank you for your patience while I investigated this for you.
I’ve received feedback from the Product Operations and Systems team. They’ve confirmed that your credit limit allocation issue has been resolved, and your approved credit limit has now been allocated.
Please log in to your banking app to confirm the updated credit limit.
May you kindly also confirm if you would like to keep your two accounts as a suite?
Kind regards,
Onthatile