Terrible service, useless call centre, all round bad bank

Absolutely useless and *********** service. Possibly of the worst banks in RSA.

I opened a Capitec account in 2020. I have needed to call or query Capitec zero times since I opened the account. I needed to renew my card - two minutes in and out, new card provided. FNB on the other hand: 45 minutes to do the same dang thing.

I need to call the call centre once every 6 months at least to sort out some stupid issue, like them freezing my account for some internal SARS error that was just a mistake on their side - and absolutely no warning or notification. Imagine being at the store and finding out the card is declining (thank the lord for my Capitec card). I had to call the call centre, to which no one knew what the heck I was talking about and it took a few days to resolve.

The call centre never knows what you're talking about and transfer you through 3 or 4 different people, until you finally reach the right person, but they can't help with anything anyway because they just can't do anything.

I have SMS's coming through from the person who previously owned my cell phone number, and I'm pretty sure that's a privacy breach considering the previous person called me asking for an OTP and to say they've changed their number and updated it with FNB, yet somehow I still get all their SMS's for the last 4 years - for some godforsaken reason FNB can't switch it off.

I purchased a TV on their Black Friday deals in Nov 2024 and never heard back from them to this day - it's February 2025. I had to purchase a TV elsewhere. Don't sell things you can't deliver on!

I've downgraded my account to the cheapest R5 a month one and I will never suggest to anyone to go with FNB - they're ****my and useless. I would close my account all together but the schlep of dealing with these *********** FNB employees and sitting in a queue that rivals home affairs, makes my blood boil just thinking about it.