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Capitec

South Africa’s biggest retail bank.

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Reviews

3.6(218)
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Showing 75 of 218 reviews — proof-verified first.

Liam McCarthy· Ireland
Verified Review

Be careful

Used Capitec as my only account, big mistake. They asked for the same documents three times. Looking for alternatives. Been a customer for a couple of years.

Verified as a real account holder.

18 found this helpfulReport
Thabo van der Merwe· South Africa
Verified Review

Genuinely modern banking

Use Capitec as my main account. Free ATM withdrawals abroad saved me a fortune. Account opening was fully digital and took minutes. Exactly what I needed.

Confirmed as an active customer.

15 found this helpfulReport
Anel K.· South Africa
Verified Review

Be careful

I was a happy Capitec customer until recently. Funds were held during a transfer with no explanation. Disappointed overall. Switched from a traditional provider.

Verified with a dashboard screenshot.

9 found this helpfulReport
Anel Mokoena· South Africa
Verified Review

Fast and reliable

I use Capitec regularly and it shows. Spending insights help me stay on top of my money. Free ATM withdrawals abroad saved me a fortune. Exactly what I needed. Used across two countries so far.

Proof of account uploaded for verification.

32 found this helpfulReport
Nomvula Pillay· South Africa
Verified Review

Great everyday account

A friend recommended Capitec to me. Account opening was fully digital and took minutes. Card arrived quickly and Apple Pay set up instantly. Couldn’t be happier. Setup took less than ten minutes.

Confirmed as an active customer.

25 found this helpfulReport
David Pillay· South Africa
Verified Review

Switched and never looked back

I can speak from real experience with Capitec. Sub-accounts make budgeting effortless. Will keep using it.

Confirmed as an active customer.

12 found this helpfulReport
Thomas W.· United Kingdom
Verified Review

Great everyday account

Switched my salary to Capitec a few months ago. Real-time notifications on every transaction are brilliant. Card arrived quickly and Apple Pay set up instantly. Exactly what I needed.

Verified as a real account holder.

24 found this helpfulReport
James Dlamini· South Africa
Verified Review

Avoid if you rely on it

Had high hopes for Capitec. My account was suddenly locked for a “review” for over a week. Expected better. Used across two countries so far.

Verified with a recent statement.

7 found this helpfulReport
Pieter Z.· South Africa
Verified Review

Everything just works

I’ve banked with Capitec for over a year now. Support actually answered me within minutes in chat. Instant transfers between users are a game changer. Will keep using it. Setup took less than ten minutes.

Proof of account uploaded for verification.

39 found this helpfulReport
Sarah F.· South Africa
Verified Review

Good but support is slow

I use Capitec for a few specific things. The core experience is good but phone support is missing. Solid but not perfect. Switched from a traditional provider.

Verified with a recent statement.

9 found this helpfulReport