Not really worth all the effort.

I'm quite disappointed. Discovery bank seems to have this great product but it is not easy to use. Sure they phone you constantly but the products and apps do not live up to expectations. Firstly I was looking for a bank that did not cost me an arm and a leg (difficult to find and I had to sacrifice an arm for discovery) but also provide decent rewards for using their services. Discovery seemed a good compromise, but not really. You basically have to PAY for just about every reward you earn, and I do not mean by spending money but by paying almost R400/month (above and beyond the almost R300/month banking fees) to qualify/activate for rewards. So in the end just for the privilege of using their service and earning some rewards will cost me around R700/month. So just to break even I now have to ensure I spend, spend, spend at their preferred suppliers in order to get rewards for R700 each month. Not really worth it. I just opened and paid the R180 fee but I'll probably just close it again.