Capitec Bank 4+

The tap & pay functionality is convenient but also a great risk as anyone can make a payment up to R500 should your card gets lost. It is also not possible to decrease the daily R500 payment limit to a smaller amount, it’s only possible to deactivate the service. After deactivating the service, it can only be reactivated by inserting the card with the next payment.

My suggestion is to add a functionality to amend the maximum tap payment amount and add a temporary limit. If one can set your tap payment permanent limit to R1 and be able to increase it in the app just before making a tap payment, it will remove the risk of unauthorized payment. The temporary limit should then reset automatically to the R1 permanent limit after 12 hours.

Hi Duppie, the black card works like your normal gold card, however it has the ‘tap to pay’ functionality. This functionality can be de-activated.
1. Tap Cards
2. Enter Remote PIN
3. Choose Debit Card or Credit Card
4. Tap Tap to pay
5. Tap Off (Tap to pay will display Off: Pending)
6. Do a chip-and-PIN transaction by inserting the card into a card machine or ATM to complete the tap to pay deactivation
7. Follow steps 1 – 5 to check if the deactivation was successful, Tap to pay should display Off

The app is a massive improvement over the previous version. I badly wanted biometric security to be available, and it‘s finally present. The track feature is a great addition and will surely help with saving. I do however really hope that the system learns for future reference when you categorize uncategorized transactions, and when you change transactions from one category to another, otherwise it will prove to be too cumbersome and perhaps useless. Things I do really want: Why can I not swipe from the left to go back to the previous screen? This works on every app in iOS except this one, very unintuitive to reach to top left corner the whole time. Very irritating. If loading times could be sped up that would be great as well, as I don’t really understand why every page must load first. Also, is there a possibility to bring the app to iPad? I would love to have the app on my iPad as well and for it to sync with my phone, but I understand if that’s impossible for security reasons. Lastly, when categorizing it is cumbersome to tap on the small dot the whole time, please allow users to tap on the word/name/bar. Thanks for the great work!

Thank you for taking the time to provide this great feedback. We will take this into consideration for the future enhancements.

The new app is well-designed and gives users many new features that are standard at other banks. My only problem is that I frequently can’t log in or access my banking profile. I don’t quite understand why this is the case, as it appeara to be extremely random. It would not be a problem, except that it happens at least 80% of the time when I try to log in. As a user on an iPhone 12 mini with a 50mbps fibre line, I struggle to believe this is an issue on my side (especially considering its frequency; there seems to be no relation between which network I use and the apps inability to [mostly] not connect). This inconsistancy is very inconvenient when you need to make time-sensitive payments. I have heard of many other people who can’t seem to log in or access their accounts. In fact, I spoke to a consultant at a Capitec branch today and apparently this is a well-known issue amoung Capitec staff. I was told that many staff members are still using the old app for this very reason. I hope this gets resolves as soon as possible.

Hi there, we are sorry to hear about your App experience. We would like to help you troubleshoot the error.
Please check that you are using the latest version of the App and restart your phone. If this doesn't resolve the issue, please reach out to us on Facebook or Twitter.