You are NOT a Bank... stick to health

DO NOT OPEN an account! - Rather stick to the recognised banks! I've been a Discovery Credit Card Client for many years when it was administered by FNB. So when they decided to open their own bank I unfortunately made a decision (which I regret now) to opt for their Full Banking Suite. Big mistake! Firstly there was an issue with my salary being paid into the transactional account, thereafter they were unable to move my debit orders to the account. These are basic things...Banking 101. As a result of this I requested that they downgrade me from the full banking suite back to the credit card on its own. I was informed that because the banking is done mainly through the App that downgrading an account can only be done on the App. Sounds simple...only if the functionality actually exist. They are aware of this and have been working on implementing the functionality since November 2019...this is apparently the most difficult IT assignment ever seeing that we are almost in November again. The ussual reply you get is that they are aware of it and it is receiving the highest priority... I physically had to phone in every single month in order to get the difference in fees back. Subsequently I decided that I had enough and requested that the entire account be closed. Again, should be simple seeing that the other banks can do this at any cashier in any branch. I logged a request with one of their "bankers" (Call Centre Personnel because I am not convinced that they have any banking qualifications and/or background) and was informed that a case has been logged and that someone from the Closure Department will contact me within 3 working days. As suspected, I wasn't contacted and had to phone in again to request progress on the case. Guess what...they will escalate it and that process takes between 24 and 48 hours. So, they cannot action the initial request and when brought to their attention it will take them another 2 days to make this urgent...HUH??? The excuse is that they have a backlog at their Closures Department! How Ironic...a backlog at a department that specialises in closing accounts, so how bad are you as a Bank that Clients are closing accounts in their masses???

The only expectation I have regarding a solution to this complaint is simple, CLOSE THE ACCOUNT. I also trust that this review can assist people who considered banking with Discovery to reconsider. Bank with the recognised big banks who have years of experience in banking. The only thing Discovery can do, and is concerned with, is Gym subscribtions, Vitality points, Fitness assessments, etc. So if these things are important to you then use Discovery, but if you want to save yourself a lot of unnecessary frustration...Bank somewhere else, preferably with an institution who's main business is banking.