Standard Bank Süd Afrika Devisenrechner

I8217m Wechsel zu Capitec 8211 I8217ve hatte genug von Standard Bank von Dax middot Eine Weile zurück, als ich ein Auto kaufte, schrieb ich über Standard Bank8217s lächerlich Gebühren für Auto Finanzierung. Ihre Kosten für alles andere sind gleich lächerlich. Ich bemerkte, dass sie vor kurzem auf Platz zwei hundert und etwas in der Forbe8217s globalen Top-Unternehmen Liste (bis aus fünfhundert etwas) platziert. Ich kann Ihnen sagen, warum sie so hoch oben auf der Liste sind, weil sie lächerlich Gebühren für Ihr Geld verwenden. I8217ve mit Standard Bank seit vielen Jahren (15 oder so) und ich habe eine grundlegende Leistung Konto, nichts Besonderes (I8217m nur ein armer Junge aus einer armen Familie). Die minimale monatliche Gebühr ist R57, Internet-Banking ist R22, die fast R80 pro Monat für nichts ist. Wenn Sie tatsächlich haben zu transact, you8217re in größeren Schwierigkeiten. Die Entnahme von R1000 von einem Standard Bank ATM kostet R14. Ich don8217t wollen sogar über die Kosten für die Zahlungen zu sprechen, wie mein Blut beginnt zu kochen. Um Beleidigung für Verletzungen hinzuzufügen, verdienen Sie kein Interesse auf Ihrem aktuellen Konto I8217ve beschlossen, Standard Bank zu verlassen und zu Capitec zu bewegen. Monatliche Kontoadministratorgebühr ist R4, um R1000 von ANY zu entheben ist R6.50 (oder R1, wenn Sie ein Capitec ATM benutzen) und Internet-Bankverkehr ist frei. Alle anderen Kontogebühren sind gleichermaßen angemessen und Sie erhalten 10 Zinsen auf Ihrem aktuellen Kontostand. Ich öffnete mein Konto am Wochenende, es dauerte etwa eine Stunde und alles scheint in Ordnung zu sein. Ich plane, mein Standardbankkonto nächsten Monat zu schließen und informiert Sie, wie alles geht. Es ist jetzt 4 und ein halbes Jahr später, und ich bin sehr glücklich, dass ich den Umzug. Im Laufe dieser Zeit habe ich mindestens R5,500 in Bankgebühren gespeichert und hatten keine Probleme. Die Bankgebühren der Capitec-Banken sind leicht gestiegen und der Zinssatz liegt jetzt bei etwa 5, aber mein Interesse an meinem laufenden Konto deckt mehr als meine Gebühren für den Monat. Teilen Sie dies: In der Mitte des gleichen Prozesses. Bect Teil über Capitec ist Null Gebühr für eine Debit-Karte Transaktion Claire Upton sagt: Die Standard Bank Reisebrieftasche ist ein kompletter Albtraum. Wir sind gerade aus den USA zurückgekehrt und haben versucht, diese Karte zu benutzen, aber die meisten Händler lehnten die Karte ab. Das einzige, was es ist gut für ist, Bargeld zu ziehen, warum gehen, um die Mühe. Versuchen, Sachen mit der Spielraummappeabteilung zu ordnen ist ein anderer Witz, als meine Karte dann gestohlen wurde und versucht, die Betrugabteilung von übersee zu benennen, erfordert eine Menge Geld, während Sie für immer halten und die meiste Zeit, die Sie Ihr Geld verschwenden. Ich hielt die Karte, sobald ich merkte, es war weg und weitere Transaktionen wurden nach diesem Datum registriert und sie sagen jetzt, das ist mein Problem. Wirklich nie gehen diese Route ist es so frustrierend und das schlechteste Produkt, das wir je benutzt haben. Ich bin so wütend durch die ganze Erfahrung, die ich erwägen, meine Bank zu ändern, zu Hause Darlehen und schneiden Sie alle Beziehungen mit ihnen 8211 es war einfach total unangenehm. Capitec klingt wie eine gute Option Wenn Sie denken, Standard Bank sind schlecht, sollten Sie versuchen, Nedbank Die größte Haufen von Idioten, die jemals das Gesicht unseres Planeten befallen Ich stimme mit gmk alle bleiben sehr sehr weit weg von NEDBANK oder wie ich mag Rufen sie 8220Hell Bank8221 diese Bank wird Sie zertrampeln Sie so tief in den Boden mit Bankgebühren, dass Ihre einzige Wahl, um aus ihm wieder wäre, Selbstmord zu begehen. Jeder, der Beschwerden hat bitte log sie auf 8220Hello Peter8221, so dass andere potensial Kunden nicht Bank mit diesen Banken. Ich bin für eine neue Bank suchen und es sieht aus wie Capitec könnte nur die Bank sein. I8217m auch mit Standard, und haben beobachtet mit meinem Kiefer fallen, wie sie plötzlich alle meine Gebühren, ohne so viel wie ein durch Ihre leave8230 Nun, statt der pauschalen Gebühr, die ich für alle Transaktionen bezahlt zu gehen begann, begann ich zu zahlen, was Scheint eine prozentuale Gebühr zu sein. Nicht einmal hatten sie die Mühe, mich danach zu fragen, geschweige denn gib mir irgendeine Art von Headsup. Völlig lächerlich, so weit wie I8217m betroffen. I8217ll scharf, zu hören, wie es mit Capitec8230 geht Interessanter Punkt, den Sie gebildet haben. Ich habe einen Taschenrechner gemacht, der alle Bankgebühren hier in ZA vergleicht. Deutsch: www. globetrotters. ch/reisenotizen/g....asp? func=69. Englisch: www. globetrotters. ch/reisenotizen/g....asp? func=6 Geben Sie ihm einen Versuch, den es mehr als wahrscheinlich bestätigen wird, was Sie sagen, aber für das durchschnittliche Nutzungsprofil Capitec Global One Konto ist ein Sieger. Wie wichtig Sie bewerten Kundenservice in Bezug auf Preis What8217s der wichtigste Faktor bei der Auswahl einer Bank, um Danke Greame zu verpflichten, benutzte ich den Taschenrechner und es bestätigt, dass ich tatsächlich verdiene Geld auf meinem aktuellen Konto, da die Zinsen höher sein wird Als die Gebühren. Ich freue mich auf dieses Phänomen Dianne 8211 meine Bankanforderungen sind einfach. Ich brauche ein Konto, um mein Geld zu halten und erlaube mir, einige Zahlungen zu leisten usw. Service spielt keine Rolle. Vielleicht wäre ein Geschäftskonto anders. I8217m nicht darauf hin, dass Capitec Service ist schlimmer als Standard Bank8217s. Für alles, was ich weiß, könnte es besser sein. Wir haben eine Umfrage zusammengestellt, die betrachtet, was die Leute in einer Bank suchen. Es kann hier gefunden werden: Dax Viel Glück mit Ihrem neuen Konto würde gerne hören, wie Sie sie finden, wenn Sie über Graeme 8211 tauschen Danke für die Schaffung der Umfrage, es8217s wird interessant sein zu sehen, was die Ergebnisse zeigen Dax 8211 Halten Sie uns auf Den Kundenservice erhalten Sie auch 8211 tolle Produkte zeigen eine kundenorientierte Organisation, so let8217s sehen, wenn dies durch auf der Kundenservice-Front gefolgt ist. Hi dax, ehrfürchtig, Dank für Sein das Meerschweinchen. Und bitte bitte bitte halten Sie uns gepostet cos aus, was Sie gesagt haben, Capitec klingt awesome. Haben Sie Ihre Kreditkarte zu ihnen zu verschieben (wenn Sie eine haben) frage mich, ob it8217s wird Sinn machen, für mich, dort zu bewegen 8211 cos Ich habe derzeit eine Std Bank Girokonto, die mit meinem Std Bank Kreditkarte, die wirklich ist, verbunden ist Bequeme ito Zahlungen usw. Ich habe eine Kreditkarte mit Standardbank aber ich don8217t Gebrauch es, it8217s meine Ersatzkarte, falls etwas zu meiner Primärkarte geschieht, die eine Entdeckungkarte ist. Capitec hat keine Kreditkarte, obwohl I8217m sicher, dass sie in der Zukunft. Was ich weiß, ist, dass die Zahlung Ihrer Standard Bank Kreditkarte online von Ihrem Capitec Konto wird immer noch günstiger als die Übertragung von Geld von Ihrem anderen Standard Bankkonto. Das ist der ganze Grund, warum ich mich befinde. Ich würde vorschlagen, Sie töten die Standard Bank Kreditkarte und ersetzen Sie es mit einer Virgin Kreditkarte (keine jährliche Gebühr) und töten Sie Ihre Standard Bank Girokonto und wechseln Sie zu Capitec. Das ist die optimale Kombination. Ich bleibe bei meiner Discovery-Kreditkarte, denn die Treuepunkte sind es wirklich wert. Hallo dax Dank für Beratung8230 klingt alles gut zu mir. Sollten Sie vielleicht eine Karriere in persönlichen finanziellen Planung Hi Dax groß zu hören, youve eröffnet ein Konto bei uns Youll definitiv genießen Sie die Kosten sparende Vorteile und wir versuchen, Banken so einfach und einfach wie möglich zu machen. Und nur schreien, wenn theres alles, was Sie brauchen Hilfe mit. Cheers Sumarie Brand (Capitec Bank) Hallo Dax Ich fand Ihren Blog, während ich auf der Suche nach Informationen über Capitec. Klingt wie Sie gerade tat, was ich denke, zu tun. Nachdem ich mit Standard Bank für die letzten 19 Jahre, Ich denke, es ist Zeit für eine Änderung. Das letzte Stroh war, als sie mir insgesamt R380 in 8220over limit8221 Gebühren auf meinem Scheckkonto berechnet, während es reichlich Geld in meinem Sparkonto. Ich erkenne, dass dies meine Schuld war, aber ich bin krank und müde von der Anmeldung in Internet-Banking, um Zahlen um. Was mir an dem Capitec-Account gefällt, ist, dass alles in einem verzinslichen Konto liegt. Ich kann einfach alle meine Ersparnisse in das Konto und Transaktion von dort. Warum can8217t andere Banken tun dies Ich bin immer noch auf der Suche nach den verschiedenen Optionen, aber Capitec klingt wie es für mich arbeiten könnte. Ich werde hier wieder zu sehen, wie die Dinge funktionierten für Sie. Ich bin vor etwa einem Jahr nach Capitec gezogen. Ich war mit Standard vor, let8217s nicht einmal darüber reden. Ich habe nichts als weggeblasen von Capitec8217s Effizienz, Gebühren und Interesse. Ich fiel fast über die erste, die sie Geld in mein Konto. Ich habe nichts anderes als begeisterte Kritiken für Capitec und ermutigen alle, die denken, einen Schalter zu tun. FYI Ich zog meine Kreditkarte an Virgin Money, wo ich auch 10 auf jede positive Balance. Sie waren auch wirklich großartig, im Vergleich zu Standard Bank zu behandeln, mit der Ausnahme, dass ich offensichtlich zurückzahlen müssen jede Menge, die in Kredit geht. Wenn Sie eine Bank finden, die doesn8217t verlangen, dass Sie dies tun, lassen Sie mich wissen, Ein Update über meine Fortschritte bei der Umstellung von Standard Bank auf Capitec: Ich musste eine zweite Reise in die Capitec Zweig, um meine Sparkonto auf meine aktuelle verbunden zu öffnen Konto. Ich könnte alles von einem Konto aus tun, da das Interesse das gleiche ist, aber für die Sicherheit möchte ich meine Ersparnisse trennen (don8217t wollen entführt und an der Waffe gehalten werden, während sie meine Lebenseinsparungen aus meinem Konto bei R1000 pro Tag 8211 leeren, die dauern würde 2 Tage). Ich hätte mir diesen zweiten Besuch hätte sparen können, wenn ich darüber nachgedacht hätte, bevor ich das erste Mal ging. Ich schloss mein Market Link-Konto bei Standard Bank und ließ sie den Saldo auf mein aktuelles Konto überweisen. Als dies geschehen war, habe ich das in mein Capitec Sparkonto überführt. Dann habe ich auf Capitec Internet-Banking, it8217s ein sehr einfaches Online-Service, aber ich konnte tun, was ich brauchte zu tun, die eingerichtet wurde Wiederholungen Zahlungen für meine Miete etc. Ich musste das Call-Center, um die Details für die FNB Spannung zu bekommen So dass ich meine Entdeckungskarte bezahlen kann. Das Capitec Call Center war effizient und hilfsbereit. Ich habe jetzt alle Unternehmen kontaktiert, die mein Konto jeden Monat belasten und sie über die Änderung der Details informiert haben. Ich habe auch HR über die neuen Details für mein Gehalt informiert. Ich habe etwas Geld in meinem Standard Bankkonto gelassen, falls ich etwas Lastschrift vergessen habe. Ich schließe es nächsten Monat und der Prozess wird dann abgeschlossen sein. It8217s gewesen ein wenig von admin, aber ich denke, dass es wert es ist. Das hat mich sehr interessiert (lange Zeit Standard Wank Kunde). Können Sie einige Details, wie man diese Capitec und Vigin Acounts erhalten ist es nur eine Frage der geht zu einem Zweig in der Nähe von Ihnen Hallo Simon, die Eröffnung eines Kontos ist einfach. Gehen Sie einfach zu Ihrem nächsten Capitec Zweig mit Ihrer ID und eine aktuelle Utility-Rechnung (um Ihre Wohnadresse zu beweisen). Es dauert ein paar Minuten und Sie haben Ihr glänzendes neues Bankkonto. Für die Virgin Kreditkarte, gehen Sie zu virginmoney. co. za und klicken Sie auf 8216Apply Now8217. Einfach wie letztes month8217s Justmoney Abstimmung, was Sie in einer Bank suchen. Zeigte, dass Kunden niedrige Bankgebühren vor allem wollen, scheint es, wie Capitec haben ein großes System vorhanden: niedrige Bankgebühren und eine kundenorientierte Ansatz. Gut gemacht Was über Kredit-Geschichte bei der Bewerbung für Haus-oder Business-Darlehen. Ich ging zur Standardbank gestern und bat ihre Meinung über die Tatsache, dass alle ihre Kunden gehen anderwohin, ihre Antwort war, dass ja, Sie bekommen bessere Preise, aber wenn es um Kredit-Geschichte dies könnte Auswirkungen auf Sie bei der Bewerbung für Darlehen8230 Ich bezweifle es wird Beeinflussen Sie bei der Beantragung von Darlehen. Das Kreditgesetz legt die Kriterien fest, die zur Bewertung Ihrer Kreditwürdigkeit verwendet werden. Loyalität gehört der Vergangenheit an. Sie haben keine 8216relationship8217 mit Ihrer Bank, auch wenn sie versuchen zu tun, dass Sie tun. Wenn Sie einen Kredit wollen, geben sie die Zahlen in ihre Software-Programm und es sagt Ihnen, wie viel Sie ausleihen können und das ist. Auch auf wechselnde Banken nach der Überprüfung meiner letzten ABSA-Statement zu sehen, sie haben mich mehr als R400 pro Monat auf grundlegende elektronische Transaktionen aufgeladen. Phoned ABSA und sie sagen mir jetzt, sie können eine verwaltete Konto Gebühr Option auf die Hälfte meiner aktuellen Gebühren zu geben. LOL 8211 jetzt nach reißt mich ab für 13 Jahre. Wirklich gegraben und entschlossen zu ändern Banken und stieß auf dieses Blog während der Forschung auf Capitec. Ich würde interessiert sein, Ihre Erfahrung zu hören, wie ich gedacht habe, alle meine Konten von Absa zu Capitec zu übertragen. Haben Sie Capitec8217s all-in-one-Konto und haben Sie Ihr Fahrzeug übertragen und Bindung an dieses Konto als gut und wenn ja, wie war es Preise Ich don8217t denke, dass Capitec Autofinanzierung oder Anleihen (ich habe weder). Man müsste noch die mit der Institution behalten, wo sie derzeit sind. Aber die monatlichen Raten zu bezahlen ist bei Capitec günstiger, da die Transfergebühren niedrig sind. Capitec ist eine echte Bank, die Sie auf sie, in Bezug auf die finanziellen Belastungen (z. B. Transaktion, die gut zu erreichen ist), da ich beitreten kann capitec vor einigen Monaten, ich habe noch nie gesehen habe mich Panik über finanzielle viability. thank u capitec Bank, was ich mehr wissen möchte, ist über mich zu benachrichtigen und wie kann ich gesehen werden interms von finanziellen Transaktion. Und so geschieht es, nach mehr als 15 Jahren bei der Standard Bank, bin ich heute in den Zweig Paddocks gegangen und habe mein Konto geschlossen. Sie versuchten mich davon zu überzeugen, es nicht zu tun, aber nachdem ich die Vorteile des Umzugs erläutert hatte, glaube ich, dass sie ihre eigenen Konten verschieben könnten. Ich habe einen Scheck für den Saldo in meinem Standard Bankkonto, und wenn ich es in meinem Capitec Konto hinterlegt habe, ist der Prozess abgeschlossen. Warum hat es so lange gedauert, bis ich realisiert habe, dass ich die Standard Bank vor mehr als einem Jahr verlassen habe und ich eine Menge auf Kosten gespart habe. Jetzt werde ich Opfer. Für eine persönliche Darlehen habe ich von Standard Bank, obwohl ich für sie regelmäßig bezahlen, habe ich eine Reihe von Anrufen von Anwälten, die Standard Bank. Ich habe diese Anwälte ignoriert. Ich habe Beweis der Zahlungen, die ich mache. In diesen schwierigen Momenten sollten Banken gut sein, um Kunden zu halten, aber Standardbank ist nicht. Nun, heute habe ich versucht, zum zweiten Mal ein Konto bei Capitec zu eröffnen. Sie haben nicht einen Zweig in meiner Gegend, so ist es eine sehr Mission, dorthin zu gehen. Das erste Mal, dass ich dort war, hatte ich eine veraltete Utility-Rechnung, so dass war meine Schuld, denke ich. Heute, als ich dort war, wollten sie plötzlich einige oder andere Steuerbescheinigungen. So sagte ich ihnen, dass sie nur einen Kunden verloren 8211 Ich gehe nicht ein drittes Mal. Ich will immer noch zu verlassen Standard Bank, so dass die Suche ist auf again8230 Nur meine Meinung, versuchen Nedbanks savvy Konto mit einem justinvest Sparkonto verbunden. IT wird rund R68 pro Monat und Sie erhalten unbegrenzte Swipes und 3 kostenlose Auszahlungen pro Monat. Sie erhalten bereits 4 Interesse auf diesem. Dies erhöht sich auf 6 mit mehr Geld drin. Ich mag nedbank wegen ihrer sozialen Verantwortung und die Art, wie sie behandeln ihre Mitarbeiter. Sie sollten mit einer Bank, die Ihnen den niedrigsten Zinssatz beim Kauf eines Hauses oder Autos zu gehen. I8217ve arbeitete an ABSA, FNB und Standardbank. Und ich werde Ihnen sagen, dass es die Hölle im Vergleich zu Nedbank war. Du fühlst dich immer, als würdest du deinen Job verlieren. Nedbank hat erkannt, dass sie in bestimmten Bereichen verzögern und verpflichtet ist, sich zu ändern. Sie wirklich Interesse an ihrem Personal und niemals nerven. Dies könnte wirklich ändern, was in 5 bis 10 Jahren. Wie für Capitec, im Angst, es kann eine SAMBOU auf uns ziehen. SAMBOU fiel während einer wirtschaftlichen Höhe. Es wird eine dreifache Dip-Rezession global sein, und es wird SA SA 3. Mal um. Im nur besorgt darüber. Mit exklusiven Rechten an AMEX und einigen kommenden Online-Features. Ich denke, NEDBANK könnte über die besten in SA in der midterm sein. Nedbank war im Jahr 2002 zurück, aber neue Richtlinien haben sich wirklich verändert, dass zwei ernsthafte Herausforderungen für uns motivierende Mitarbeiter in den Endbenutzer-Filialen und unserem Call-Center sind. Dies ist ein Problem, dass nedbank erkennt und arbeitet. Sie sollten bereits Vorteile in Bezug auf unser Call-Center sehen, und wir sind auch der Suche nach Niederlassungen auch am Sonntag geöffnet. Meine Meinung ist, dass die Bank, die die beste Betreuung ihrer Mitarbeiter und hat soziale Verantwortung wird insgesamt entstehen die bessere Bank. Es gibt eine Menge von Sachen, die Nedbank für die Gesellschaft, dass die meisten Menschen bewusst sind. Nedbank Mitarbeiter sind spät wirklich motiviert, um die NEDBANK als eine große Bank zu fördern. Tshifhiwa Nengovhela sagt: Ich wouldn8217t empfehlen ein Nedbank versierte Konto, da ich schwere Strafen erlitten, während in Lesotho. Ich war 90.00 für jede Transaktion, die ich gemacht. Add verschiedene Gebühren, Service-Gebühren und die einige mehr Gebühren, dass die Bank couldn8217t sogar erklären. Gehen Sie einfach zu einer Bank gehen und Geld von Ihrem versierte Konto und Sie werden sehen, dass dies wahr ist. Ich habe Frieden des Verstandes, da ich nach Capitec account. Capitec zog, machen wirklich Bankwesen einfacher und einfach. Statt der Kontogebühren bekomme ich jetzt wieder Zinsen in meine Tasche. Anchen Els sagt: Ich bin ein ex-Standard Bank Kunde, der sich im vergangenen Jahr für meine kleine Firma zu Capitec geändert hat. Es war die beste Entscheidung, die ich je hätte nehmen können. Meine Bankgebühren sind so niedrig und ihr Service ist GROSS. Wir sind 12 Damen in einem 8220stokvel8221- wir verwenden, um eine Standard Bank Konto für Einsparungen haben. Dieser Betrag beträgt etwa R45 000 pro Jahr. Bei der Standardbank waren die Zinsen, die wir verdienten, immer genau so, wie die Bankgebühren für das Jahr. Wir haben begonnen, unser Geld bei capitec im Juli letzten Jahres und Ende November jedes Mitglied zu zahlen konnte einen Betrag von R200 Interesse WoW. Es scheint wie eine kleine Menge, aber es war R2400 in 6 Monaten Ich denke, dass ist ausgezeichnet. Ich habe eine Menge von Internet-Banking - capitec8217s Website ist benutzerfreundlich und es ist billig Ich wünschte, ich könnte alle unsere Konten auf capitec verschieben. Aber sie haben kein Haus Darlehen oder Scheckkonto-Anlage. Also mein Mann muss leider bei ABSA bleiben Ich würde empfehlen, ein Swop zu Capitec für alle, die sparen will Meine Großmutter8217s Lieblings-Sprichwort war, dass, wenn Sie nicht sparen einen Cent können Sie nie speichern einen Rand. Sie war eine Hausfrau auf einem Bauernhof ihr ganzes Leben und machte etwas Geld, das Hühner anhebt, Eier verkauft, Häkelarbeit tut, hausgemachte Butter usw. verkauft. Es war nie viel Geld, das sie verdiente, aber sie verwendete einige und verbringt etwas klug. Sie starb im Februar und ihr Wert in bar war über eine Million Rands - sie war ein Beispiel für mich - und ich denke, es ist einfacher, mit Capitec Bank und starten Sie sparen die Cents und Rands als die Anhebung chickens82308230. Standard-Bank ist eine Nacht Stute R1200 Flat Bank Gebühren pro Jahr ohne Transaktion enthalten. Einzahlungen, Internet-Banking, Abhebungen, Stopp-Order e. t.c werden gesondert berechnet. Seine 4 Monate ohne meine Standard-Check acc und sie sagen mir, ich schulde ihnen R1200. Kann nicht warten, um diese acc. Ich genieße, mein Geld mit Capitec zu sparen, y zahlen für wat y haben zu sehr niedrigen Kosten verwendet, wenn nicht frei. R60 pro Jahr Bankgebühren Gruß an Sie alle. Gestern war Potji Tag. Die üblichen Diskussionen über Rugby 8211 Cricket 8211 Fußball und dann einige, wie das Thema geändert zu finanzieren. Die OLD MAN Banken mit FNB. Dieser alte Mann Banken mit ABSA. Dann war jemand bei Ned mit Std. Keiner, wenn ich gefragt, war mit Capitec. It war ein Fall von capi who. I haben 3 Konten mit ABSA. One mit STD. Es sei denn, jemand kann kommen mit einem guten Grund, warum nicht ich werde auf CAPITEC in diesem Monat. Ich werde auch die anderen, die mit mir zu suchen Capitec und fragen Sie ein paar Fragen. Vielen Dank für Ihre Eingabe. Danke an das Internet, ohne es würde ich mich immer noch wundern. Capitec ist eine gute Option, solange Sie nach einem Vanille-Sparkonto suchen. Sie bieten Wohnungsbaudarlehen und vermarktet Konten und das alles. Sie können 1 Konto mit 3 Unterkonten verknüpft haben. It8217s billig und das Interesse ist höher. So weit, I8217m glücklich. Ich don8217t oft zu hinterlegen, wenn Sie Einzahlung Bargeld oder Schecks oft, überprüfen Sie, wo Ihre nächste Niederlassung sein wird, weil Sie es in der Branche tun müssen. Morgen Dax. Wir gingen auf die capitec Website und sahen einige der Kommentare von Menschen, die wern8217t glücklich. Eins war, wo capitec 4 Jahre dauerte, um Geld zu reimpurse, das aus dem Konto gestohlen wurde. Kann nicht einen Kommentar von capitec auf diesem finden. Die andere Sache, die mich denken lässt, ist, dass das Hauptkapital, das in das Geschäft investiert wird, durch Riaan Stassen und leRoux ist. Was passiert, wenn sie herausziehen. Haben wir am Ende mit einem anderen Bankkollaps mit Kunden verlieren ihre Ersparnisse. Lesen Sie einfach einen Artikel über hohe Bankgebühren8230 http://de. hicow. de Seltsam, obwohl der Artikel ist betitelt 8220Switching Banken ist ein Weg, um hohe Gebühren8221 sie nur diskutieren die 4 8216big8217 Banken (und wie hoch alle ihre Gebühren sind) und don8217t sogar erwähnen, Capitec als Alternative Just hatte Standard Bank selbst zu 20 helfen Eine kürzlich Bankscheck. 20. It8217s ein fremder Scheck (Google), aber ich noch don8217t sehen, wie sie das Laden rechtfertigen können, dass steile eine Gebühr, wenn es bereits in Rands umgewandelt wurde, wenn es zu mir kam, und didn8217t erfordern eine Währungsberechnung. Noch ein anderer Grund, Geschäfte anderswo zu machen. Yikes. Überprüfen Sie diese Website, bewiesen, dass Capitec bieten besten Wert habe ich mit Capitec für mehr als 5 Jahren gewesen, war mit Standard vor, dass, und ich habe es nie bereut. Haben capitec zu allen meinen Freunden und die, die sich bewegt haben noch nie bereut. Es ist ein no frills Sparkonto, aber da sie Internet-Banking angeboten haben (für freie bis auf geringe Transferkosten (r1.50 pro Transaktion)) war es großartig. In einem der zusätzlichen Konten, habe ich in R7000 und bekam R66 pro Monat. Einige Dinge haben sich geändert, und obwohl es mich nicht bereut, meine Entscheidung, es sollte beachtet werden. Die Zinsen auf Kredit ist gesunken. Siehe Tabelle unten und Servicegebühren erhöht. Allerdings blasen sie noch alle anderen Banken aus dem Wasser. Jetzt müssen sie nur auf diese langen Zeilen arbeiten, aber mit dem Internet, ich don8217t haben, um darüber mehr Sorgen zu machen Preise und Gebühren Tägliche Ersparnisse Sparkonto Konto Flexible Begriff Feste Laufzeit R0 R10 000 7,00 7,00 7,50 R10 000 R25 000 6,75 6,75 8,00 R25 000 R100 000 6,75 6,75 8,25 R100 000 R2 000 000 6,75 6,75 8,50 Monatliche Verwaltungsgebühr 4,00 4,00 FREI Wirksame 26. Juli 2009 Chantelle Flores sagt: Standardbank ist schockierend Die letzten beiden Monate waren ein Alptraum mit ihnen, um das 8211 zu sagen und vorher, dass a Katastrophe warten zu passieren Ich habe ein Scheckkonto und haben festgestellt, dass die letzten 2 Monate - R4000.00 fehlt mir aus meinem Standard-Bankkonto 8211 als Folge mein Konto in Überziehung gegangen ist. Was mich erstaunt, ist, dass ich nicht verlangen, eine Überziehung Anlage 8211 infact i abgelehnt, wenn ein Vertriebsmitarbeiter kontaktiert mich. Ich habe dieses Konto für über 6 Jahre gehabt und nie einmal habe ich in einem negativen Gleichgewicht gewesen. Beim Aufruf der Bank hatten sie keine Erklärung für diese anstatt sie mir gesagt, dass ich nicht über eine Überziehung Anlage. Jedoch wenn ich meine Aussage überprüfe, erhalte ich jeden Monat ein 19 intrest auf der Überziehung, die anscheinend nicht exsists auflädt. Wenn ich die Bank wieder kontaktiere, erzähle ich, dass ich eine monatliche Gebühr dafür erhalte, dass ich keine Überziehungseinrichtung habe. Ich kann nicht gewinnen Um die Sache noch schlimmer 8211 Die letzten 5 Monate habe ich über R1000 für Bankgebühren und Internet-Banking, die für 4 Monate nicht funktionierte überhaupt aufgeladen. Dieser Service ist entworfen, um das Leben einfacher 8211 noch Everymonth Ich finde mich in dieser dummen Bank kämpfen eine verlorene Ursache I8217ve noch nie von Capitec gehört, bis ihre jüngsten Add-Kampagne und beschlossen, einige Forschung auf sie (that8217s, wie ich stieß auf diese Website). OH MEIN GOTT. Genau wie alles andere in Südafrika (Internet, Zelle Gebühren, etc.) sind die Bankkosten absolut lächerlich. Offensichtlich ist Capitec der beste Weg zu gehen, und von dem, was ich hier gelesen habe, scheinen sie stabil zu sein und noch stärker zu werden. Capitec hat bewiesen, dass sie die Bankgebühren drastisch senken und trotzdem erfolgreich sein können. Dies beweist, dass die so genannten 8220Big Banks8221 von S. A. ihre Kunden seit Jahrzehnten ausbeuten. Meiner Meinung nach, sie sind nichts anderes als Gauner, stehlen unsere hart verdienten Geld It8217s Kriminellen. Vielen Dank an Dax für die Entsendung dieses Themas. Ich weiß, I8217ll ändernden Banken und beraten Freunde, um die gleiche Hi Dax 8211 Standard Bank hat eine Menge Abzocke-Optionen, aber nach sorgfältig Studium ihrer Tabelle habe ich eine Option, die tatsächlich anständige Wert gefunden hat. Meine Wahl ist die Standard Bank Classic Checque Konto mit festen monatlichen Gebühr von R87pm, die mir Internet-Banking, 8 Abhebungen, mehrere kostenlose Lastschriften Bestellungen (mit 3) und 30 kostenlose EFTs (mit etwa 8 Monate). Obwohl Capitec pro Transaktion Gebühren sind die niedrigsten, ich don8217t denken, sie haben ein Paket wie das. Das ist eine Verbesserung, sieht aus wie Capitec ist die Dinge schütteln. Aber sie bezahlen Sie noch kein Interesse auf Ihrem aktuellen Konto. Ich verdiene mehr Interesse auf dem wenig von Kapital in meinem gegenwärtigen Konto als die Gebühren, die ich zahle. That8217s, wie ich es mag. Ps. Ihre freien Abhebungen sind nur bei Standard Bank Geldautomaten. 8 entnimmt die Geschäfte mit Capitec R1,20 mal 8 R9.60. Oder an der Bank R2.20 8 R17.60 10 EFTs würde Sie kosten R11.50 5 Debit Bestellungen würde kosten R11 R4 monatlich Admin Gebühr Also auf, was Sie tatsächlich verwenden würden Sie zahlen R27.10. Oder R35.10 Daher würde Capitec sparen Sie R67 pro Monat plus Sie erhalten einen riesigen Zinssatz (6.75 compunded monatlich ist das Minimum). Daher jedes Jahr würden Sie sparen R804 in Zinsen Gebühren allein. Dann erhalten Sie noch Ihre monatlichen Ersparnisse hinzuzufügen. Plus-Anweisungen sind kostenlos, wenn Sie Internet-und Internet-Banking ist auch kostenlos (dh keine monatliche Gebühr, aber Sie zahlen pro Transaktion). Warum gehen für ein Paket, wenn Sie viel höher auf individuelle Service-Gebühren erzielen können. Ich wollte dir nur für all die sehr nützlichen Informationen danken. Ich habe die meiste Zeit des Jahres ohne ständige Arbeit gearbeitet, und ich habe versucht, die Kosten so weit wie möglich zu senken. I8217ve mit Standard Bank seit fast 16 Jahren und in jenen Jahren habe ich nie so viel wie 1c zurück von ihnen bekommen. Sie haben nur jemals von mir genommen, wie im letzten Monat, wo sie bezahlte mich fast R300 für späte Gebühren auf meiner Kreditkarte, weil ich es nicht bezahlen konnte intime, und sie couldnt belästigt worden, wenn ich ihnen sagte, ich habe derzeit kein Einkommen. I8217ve dachte über Umzug nach Capitec und I8217m sehr froh zu sehen, dass sie eine Menge von zufriedenen Kunden haben. Ich werde meine Ove sehr sehr bald tun. Nochmals vielen Dank für die hilfreiche Info Well Talk über eine auffällige Tag-Zeile. Ich habe über die Umstellung von Standard für eine Weile jetzt gedacht und Ihr Blog kam (wie es für mehrere andere urteilt aus den Kommentaren oben), wenn ich eine Suche nach Capitec. Ich öffnete Ihren Aufstellungsort vor dem Capitec Aufstellungsort und Sie machten meine Meinung für mich, bevor ich irgendein Messwert auf ihrem Aufstellungsort 8211 Dax tat, sollten sie anfangen, Ihnen Provision für jeden umzuwandeln. In den letzten zwei Monaten Standard Bank Mitarbeiter haben mich wegen ihrer Inkompetenz R200,00 gekostet, und trotz der R87.00 Festpreispaket, heute war ich chaged R3.00 für die Versendung einer Bestätigung der Zahlung per Fax Lachhaft, wenn Sie Dass für eine zusätzliche R1.00, die die Capitec monatliche Verwaltungsgebühr entsprechen würde. Ich arbeite in Central Durban und da8217s ein Capitec gleich um die Ecke von meinem Büro Block in West Street 8211 auf der rechten Seite kurz vor SARS. Sobald ich an diesem Abend nach Hause gekommen bin, werde ich mein letztes Dienstkonto in meine Tasche legen und morgen, während meiner Mittagspause, glaube ich, dass ich einen leichten Bummel unternehmen werde, um ein Konto bei ihnen zu eröffnen. YeeeeeHaaaaa im auch mit Standard-und Gebühren sind verrückt. Ich habe Kontakt mit capitec aber sie sagten, sie haben keine Business-Konten. Vielen Dank für Ihr Interesse an der Capitec Bank. Die Capitec Bank bietet eine Sparkonto-Einrichtung, die so genannte Global One Banking Facility. Die Global One Facility ist ein einzigartiges Produktangebot, das für eine Person entwickelt wurde. Zur Zeit haben wir kein Produkt, das auf die Bedürfnisse eines Unternehmensunternehmens abgestimmt ist. Allerdings bieten wir Arbeitgeber Gehalt Transfer Facility (ESTF), die Ihnen erlaubt, kostengünstige wöchentliche oder monatliche Massen-Zahlungen zu machen. Sie können auch die Abrechnung von jedem Ort, weil es ein Internet-basiertes Produkt, bietet Bequemlichkeit wie nie zuvor. Wenn Sie weitere Fragen in dieser Hinsicht haben, wenden Sie sich bitte an Commercial Client Care unter 0860 667706. Sally, froh zu hören, you8217re machen den Umzug. I8217m sicher, dass you8217ll glücklich sein. Fil, Sie sind richtig, sie sind im Moment nicht geschäftsorientiert. I8217m sicher, dass mit der Zeit kommen wird. Ich habe einen Scheck von Google hinterlegen, so bin warten, um zu sehen, wie sie damit umgehen, wie die Branche nicht in der Lage war, es zu tun. Die Realität ist, ist Capitec groß, solange Sie basicnormal Transaktionsbedürfnisse haben. Es win8217t Anzug jeder und wenn Sie komplizierte Bankwesen braucht, dann zahlen die zusätzlichen Gebühren an einer der anderen Banken ist es wahrscheinlich wert. Habe gesagt, dass ich Konten erstellt habe, die mit meinem Konto für meine verschiedenen Geschäfte verbunden sind, weil ich wirklich nur Zahlungen benötigen und Zahlungen leisten muss, für die Capitec recht geeignet ist. Wie wäre es mit einem Update auf Capitec8217s Service So habe ich Capitec auf den Test vor kurzem. Ich erhielt einen Scheck von Google und es ist nicht von einer südafrikanischen Bank, so dass der Scheck Leser an der Filiale konnte es nicht lesen. Der Filialleiter war für die Nachbereitung und rufen Sie mich während der Woche, aber didn8217t (er sagte, er wartete auf den Hauptsitz, um wieder zu ihm). Also rief ich das Call-Center. Sie waren nicht sehr hilfsbereit, so dass ich per E-Mail Sumarie von Capitec, die eine der oben genannten Nachrichten links. Sie legte mich in Kontakt mit der richtigen Person und ich ging und legte den Scheck am nächsten Tag. Alle sortierten und keine Extragebühren. Ich war glücklich, aber ich hoffe, dass alle anderen, die solche Schwierigkeiten haben, können sie gelöst so leicht. Ich zahlte R110 000,00 in mein Anleihekonto von Capitec. Wurde aufgeladen R1.20 in Gebühren plus R2 für die Fax-Bestätigung, die ich gesendet, die Ihnen auch eine vollständige Deckblatt, wo Sie einen ganzen Aufsatz schreiben können, an den Empfänger. R3.20 für eine solche Transaktion, wo sonst könnte ich das bekommen. Noch glücklich mit ihnen, nach 5 Jahren jetzt. Nicht so große Einsparungen, aber immer noch 8,5 zusammengesetzte Interessen sind besser als anderswo. War ein bisschen enttäuscht, als ich versuchte, einen Abbuchungsauftragskauf von R15 000 zu machen, und es wouldn8217t gehen durch, habe ich seitdem festgestellt, daß es eine Begrenzung von R10 000.00 für Abbuchungskäufe gibt. Hallo Leute, ich bin auch krank von all den Gebühren von all diesen Stier Sht Banken. Ich habe endlich ein großes Kapital zu investieren, weiß jeder Körper, wenn Capitec schlagen kann eine Intrastrate von 6,85 auf einer Anlage mit festen Terminen, das ist die Rate, die ABSA offord mich. Ich benutze, um Bank mit Nedbank für Jahre, aber sie total zerrissen mich von. Nun habe ich über R300.000.00 zu investieren raten Sie mir bitte, wenn ich eine feste Term Acc mit Capitec öffnen, was das ist, dass ich auf diesem Kapital verdienen kann. Capitec8217s normal accouunt bietet 6,25 Interesse und Sie haben vollen Zugriff auf alle Ihre Gelder. Dies gilt für eine R4 pro Monat Administrationsgebühr. Für eine feste Konditionen erhalten Sie 8,5 Zinsen, und es ist für 6 bis 12 Monate. Überprüfen Sie, um sicherzustellen, dass es Zinseszins ist. Müssen Sie die Rück-Option wählen, sonst werden Sie einfaches Interesse zu verdienen. Was ich nicht sicher bin, ist, ob oder nicht andere Banken die Zinsen täglich wie Capitec verbindet die Zinsen auf einer monatlichen Basis auf ihre festen Zinsen. Das unterscheidet sich von dem Sparkonto, als ich es zuerst herausnahm. Kann dies etwas zu suchen, wie es einen großen Unterschied zu Ihrem Interesse verdient. Thank you for clearing that for me Justin, i will most def go to the West str branch on Saturday to get all the details. i have burned my hands b4 with Nedbank so this time round i am doing my home work. if they can offer me an intrest rate of 8.5 that is geat do you know whether Capitec bank has got an even higher intrest rate on another investment. Cause ABSA offored me an intrist rate of 8.25 on their 9010 acc. CAPITEC are my heroes. I didn8217t believe it when they claimed you could use their debit card to draw money at any Maestro friendly ATM in the world without any prior arrangements. In October when I visited London, I was filled with glee when I could draw at the ATM as much as 250 Pounds per day using the Capitec debit card without speaking to anyone first. This was ofcourse after the Standard Bank Travel Wallet was a total stress. I just changed from Standard Bank Standard Bank suck big time I just phoned Capitec today to find the nearest branch, i just about had enough with Standard bank. Been with them for years but they never made it simpler better or faster for me, just grief. fees are ridiculous. hope i8217m making the right move though. We think you8217re making the right move, but be sure to pop back and let us know how it goes. Hi Dax Have been with Capitec for more than a year now. Am vey happy. Thier banking hours are also great. Open at 8.00am and close at 5.00pm. Saturday they are open until 1.00pm. I think it is great plus all the other great deals. Quick question: Can anyone tell me what exactly the difference is between Capitec8217s 8220Savings Plan8221 and Fixed Term Saving Plan8221. The brochure says one chooses your own term on the 8220Savings Plan8221, yet you have immediate access to funds when needed 8211 does that mean penalties on withdrawals, or what My need is for an account to use for daily transacting, and a separate account for savings (so I don8217t accidentally spend my savings I have to be able to get to my savings immediately when necessary, though, and would not then like to pay penalties (Would rather go into a money market account, then 8211 I8217d already be earning less interest for the sake of convenience by going to Capitec with my savings) You can have up to 5 linked accounts. All of the accounts are 8216savings accounts8217 as opposed to 8216loan accounts8217. Fixed term gives you more interest but it8217s a fixed term. I have 1 account I use as a 8216current8217 account (but they still call it a savings account) and the rest are savings account into which I transfer money when I have it and I sometimes take money out when required. Simple. I havebeen banking with standard bank for 15 years, and i have just had enough, apart from all the charges they charge, they have refused me anything i have ever requested frm them, home loan, credit card, car finance and a personal loan. I got all of these from different banks who were more than willing to help. Up Ures standard bank if this is the thanks i get for all those years with u Rose Francis says: Capitec is a far Winner in all categories service, costs and fees, reliability, etc. I HIGLY recomment Capitec, I8217ve bee to a couple of branches in various places and the services rendered are equally pleasant 8211 that8217s an added bonus to the low fees we pay and the interest we receive. Opended a new capitec account last week and plan to close my Absa one next week. I want a bank which focuses on the basic stuff 8211 so I dont have to subsidise, through my banking fees, their big buildings in Sandton, massive top management salaries, expensive adds in every newspaper, their gambling habits in the international futures and money markets, and their acquisition of dubious companies and properties. Not to mention the effort they make in screwing over the little fish. They are too big not to fail. Phansi Absa phansi Opened an account last week with Capitec. Beeindruckend. Awesome experience so far. Can8217t wait to actually start earning some interest on my account for once. Hope to close my FNB cheque account soon. oh wait too late8230 compounded daily8230 I guess I8217ve already earned some interest on the money I put in when I opened the account. Tired of having to go into Nedbank to give formal written notice that I want to make a withdrawl on my savings account, I have just tried to open a Capitec Account. Arrived with ID and proof of residence, but then get told I need Employment Contracts or tax returns. Why I only want to open a savings account. Just phoned the Capitec helpdesk, they don8217t know why I need this. I did my tax return online8230. and am a freelancer without a written contract. So much for no paperwork at Capitec Bank. Is there a actually a decent bank in South Africa I8217m not sure what8217s happened there, I wasn8217t required to produce those documents8230 I wasn8217t required to have those documents either, the only thing i can think of is that they mistook you for wanting to open a loan account, and those documents were needed for verification of your ability to repay. Credit Act. Otherwise don8217t know and the fact that the call center does not know seems to indicate a misundertanding or a dumb employee, which every organisation has. There will be a complaint book right there in the foyer though that you can lodge your grievance if it was a dumb employee. As others I researched Capitec and Google led me to your blog. For personal money matters I need a bank for the follwing: 1. Cash 2. Debit orders 3. Electronic payments 4. Savings and Interest Capitec will do all this for me at low rates. My question may sound silly, but 8230 Do I still need a Credit Card as well and if yes, what for For your credit rating. When you go looking for money the institutions look at your credit rating. With no cheque or credit card account, you have no rating and it will take longer if ever to secure that loan. Good way to stay under the radar though8230 Thanks for answering that so quickly. I thought the Capitec account is a combined savingscheque account. On thinkmoney. co. za it is listed under current accounts. I am so glad I asked the question. 1. How often should one then use a Credit Card 2. What other advantages are there, if any, of using a Credit Card The Capitec accounts are all 8216savings8217 accounts (remember that when drawing from an ATM) but they behave like current accounts in that there are no restrictions on what you can do. The advantages of a credit card are that you get interest free money for up to 45 days, you get free transacting, convenience and possibly rewards. I use my discovery credit card to pay for everything and at the end of the month I just transfer the amount I owe. That way I pay no interest and I earn interest on that money while it is in my savings account. I also earn discovery miles on all my transactions and pay no transaction fees. There are 2 disadvantages, 1 is that you might be tempted to use the credit instead of paying the whole balance. That becomes expensive and can lead to debt problems. It depends on how disciplined you are. The other is that there is an annual fee of around R200 depending on the card. I recommend the Virgin credit card which has no annual fee. You will need to have credit worthiness to get a credit card though as it is the same as being given a loan, so some people do not qualify under the national credit act. I8217m not sure that Justin is correct about the credit rating as now with the credit act, having a credit card counts against you because they look at your total liabilities. But I could be wrong. Hope that helps. Thank you so much for your replies Justin and Dax It is most helpful. I settle all my accounts with Standard bank via an attorney (debt consolidation)only to get a phone call from them, 10 MONTHS later, informing me that I owe an amount of R40 000. They could not explain where that amount came from. Somehow, now the amount has been reduced to R28 500. They cannot find proof of payment on their account for the day on which the payments were made. I will never bank with Standard bank ever Firstly Dax 8211 GREAT BLOG. I have been involved in business developmentmarketing for a long time within the financial services arena, and I can tell you with certainty, the so called 8220big 48221 are so arrogant and narrow minded that they think that this blog is just a blip on the radar. Hehehe lets see this time next year when Capitec once again increases earnings by over 30 year on year. Well done Justin and Dax Well I8217ve been telling everyone I know to go over to Capitec. I8217ve had my account for a few weeks now. I can8217t believe how much money I8217ve practically thrown away with absolutely no benefit to me since I started working. I8217m now convinced that anyone who uses the big 4 do so out of ignorance. They don8217t care about you, they charge you a fortune, and they8217re constantly trying to get you to waste more money. The thing I8217ve liked most about Capitec is they are not stuck in the dark ages. Everything is geared towards the technology and convenience that someone in 2010 has available to them. Sometimes it seems that the big 4 are still trying to do business the way it had to be done 100 years ago except with computers. Capitec is breaking out the box and I look forward to seeing what they do in the future. Thanks that I found this site. Iam sick of Standard bank. I have been with them for over 20 years and their service just gets worse and worse. I found that they charge me a fortune for basic things and they DO NOT even bother to listen to your complaints. I was looking at Capitec but now Iam convinced, Iam opening my account tomorrow. Thanks for the feedback guys, Iv heard from other people locally that Capitec is cheap and gives better service than these other banks. I8217ll keep you guys posted Good afternoon all. I really love the service amp help received from Capitec Bank, I would just like to leave 1 comment. I would really like to see more ATM8217s around of Capitec. If this happens i am sure that the 8216BIG 58243 will not survive. Please Dax slet me know are you8217ll working on a plan to put more ATM8217s around. Cheers from a very happy 8220) Capitec Client. I certainly will not be putting more ATMs around as I don8217t work for Capitec, although I am hoping they decide to advertise on my site because this post is getting lot of traffic. I believe that Spark ATMs charge the same as Capitec ATMs so maybe give them a try and see what the charges are. There are quite a few of those around. With regards to the ATMS, you can use any Atm, same as the top 4 banks, the charges are still low. R6 for any transaction, flat fee, no matter your withdrawl amount:)no matter whihc Saswich atm you use. Plus for withdrawals you can use any Pick and Pay, Shoprite and Score. You also have the interent banking option, transactions fees are lower than normal and no monthly subscription fee. And there is no charge for straight debit card transactions. Why would you need more ATMS I guess because it R3 a tranaction and free balance statements Still no train smash to use the other ATMS. Ps, you can access the internet banking via cell phone through Opera Mini. Ps, if Spark Atms are those ones in the shops, you will see a lot of them are powered by Capitec, the same bank charges apply. Have been with Capitec for about 5 years now (wish I8217d bought more of there shares then)having enjoyed very good service throughout this time, never having experienced any problem and always being treated very well by their staff. How many companies can one honestly say that about these days Also have saved considerably in fees during this time, as well as in both frustration and stress. Apart from appearing to be well organised with little in the way of complication, yet able to operate a very secure system, they also provide well for the needs and comfort of their clients when visiting their branches or using their facilities. This is in stark contrast to most of the other banks, as well as others in the service industry, who in this respect seem to put the customer way down in terms of consideration. My only negative comment is that they do not have enough of their own ATM8217s but this is partially offset by being able to make withdrawls at some of the stores and is probably one of the reason they are able to maintain lower fees. I am now about to cancel my Nedbank credit card to avoid their ever escalating high annual fees as well as the unreasonably high interest fees incurred if one misses a full payment date even if it is their fault that in that they do not process the payment in time. I intend rather to rely on my Capitec debit card for all purchases and cash withdrawls from now on as I8217ve have been very happy with the results of using it in this way over the past few months and find the fees very reasonable. When comparing competitive savings account rates from other banks to those offered by Capitec, I would strongly advise that they are asked provide in writing details of all fees applicable to the account being considered, including any entrance fee to be charged on the amount deposited. As a case in point, my wife on opening a fixed deposit account with Absa some time ago, was charged with such a fee which had not been disclosed to her, this in spite of her having asked for details of all the fees due. To their credit they did cancel this after receiving a strong protest from her, but she is now very wary indeed of dealing with them. She is now also a confirmed Capitec client. Lets hope Capitec manage to maintain their current excellent level of service and avoid following in the footsteps of many other companies who have allowed their service levels to fall having become corrupted by success. Others could do well to heed the writing on the wall. My Standard Bank poor service story as published on my own website: Herewith to share with you yet another pathetic service delivery experience. This time at Standard Bank Milnerton on 31 March 2010. This is of course my opinion and my experience, but why is it that the basic obvious costumer service is often neglected at this branch 8211 or is it Standard Bank in general Same old story Standing in a queue at month-end with only three of the five point of sales booths were open to the public. This while businesses are making cash deposits and with the obvious increase of floor traffic more than VISIBLE at month end. No leadership Not one single STAFF MEMBER of this branch took any care of SUPERVISING this process. I finally observed a Standard Bank 8216senior8217 employee making photocopies 8211 but with NO INTEREST to even look at the queue (their bread and butter). After attracting his attention and telling him about this lack of customer service I was in no uncertain terms informed that it is the team leader8217s responsibility. No RESPONSIBILITY taken by this banking official (not even an attempt), no interest and no customer care. No team leader insight. Visible barrier With a divider panel in front of the service delivery counter there is no way any service delivery agent team leader will ever observe any effective poor service delivery standards. No VISIBILITY between customer and TEAM LEADERSHIP. Standard Bank should be ashamed of themselves for placing a barrier between their so called shop floor leadership8221 and their clients. I personally think they are hiding from operational efficiency. creating an unfair business practise for both the customer and operational staff,. Personal confrontation I raised my voice at this gentleman, because I wanted to. I wanted everybody to hear my complaint 8211 because it concerned everybody in that queue. Suddenly serviced happened. Another counter suddenly opened up. And this is not for me dear reader 8211 this is for everybody standing in these queues. Sad conclusion What comes to mind here A definite lack of branch leadership. A lack of intensity in any real customer care and or a lack of customer service delivery skills ever so often displayed at this branch. What I realised today is that this will NEVER change. They just cannot change it 8211 unless you change the poor service delivery culture in management you will not see any changes. Fortunately most of our business can be delivered via the Internet. I am of opinion that the decay of leadership is not staff related, but is 100 the product of their management8217s inability to understand basic business service delivery principles. As always, I find this level of uninterested and pathetic service levels unacceptable, but let it be a lesson for the rest of us on how not to treat our customers. Vernon Chalmers 1 April 2010 Hi guys and gals I8217m a young lady just looking for the best possible option to save money I don8217t earn alot but at the same time I don8217t have many expenses at the present time. I find that it8217s important for me to save money and was thinking about the saving plan from capitec. Anyone have any suggestions8230 Some pro8217s and con8217s of this option would really help The only con would be if you rely a lot on ATM8217s. Even so it is not really a con as Capitecs fees at other ATM8217s are often cheaper than other banks standard ATM fees at their own ATM8217s for large amounts of cash. The internet banking could use an interface update but it is functional and works. At this point it has no fluff features (i. e. you can8217t use CApitec Internet banking to buy airtime or electricity) I8217ve been with Capitec for about 2.5 months now and am completely happy. It is so nice to finally have my interest earned exceed my banking charges paid. Thanks for the info, it makes me feel a little bit more at ease, you know starting in the real world aint that easy as most people just want to 8220CON8221 you and really just rip you off, I8217ve seen it with people who have been in the game for many years, that8217s why I really just want to do things right the first time round I don8217t want to save my money somewhere it would cost more than I am saving in the end8230 You know Anyway, I do believe I have my mind set and will be opening a saving plan account at capitec as soon as possible. Thanks again by the way. Zesuliwe Shabangu says: Capitec it the best bank ever believe me. It been 5 years now of a good amp trustful relationship with them. Thanks to my late mother who introduce me to Capitec Bank. Invest with Capitec the interest is good. I even told my colleagues about it cause i know amp I8217ve got a proof of what i8217m talking about, with the money that i invested i bought myself a Golf 5. Thank you Capitec WOW. after reading all these posts I8217M SO PROUD TO WORK FOR CAPITEC BANK I8217m sure you will all find what you8217re looking for with CAPITEC Having moved to Capitec, I never worry about ATM8217s just go to PnPay as it only costs R1 to draw money. Cheaper than any ATM. Meagan. To add to my Capitec account I opened a Bidvest 40 day notice account. This I use only as a savings amp gives an even better interest rate. Having a credit card is always a good back up, just keep it in control. The big guns have really become the fat cats. Capitec, Bitvest, Virgin Money, get my vote 100. I moved from ABSA to FNB 8211 Smart Account with unlimited payment option. Service fee of R 59,90month. The following transactions is free: Debit card purchases, debit orders, cash withdrawals from FNB Atm8217s, Internet amp Cell phone banking, transfers in and out of account. The only services that is charged extra is withdrawals from branch, cash deposits at branches, cash withdrawals from Saswitch machines. I save R 500month Capitec is the Best I also have a Discovery VISA card which gives me points and helps me with my Medical Aid. Here8217s another option 8211 FNB Encore account for the over 558217s. Most items are free (ATM withdrawals and Internet) and you will have to deposit R10,000 into a fixed deposit (at a good rate)Remember for most travelling in Africa you need Visa as it8217s the ONLY credit card that works in the few ATM machines Applies to most developing countries as they are they credit card with approx 80 of the market. To FNB customers Even if FNB is cheaper, it can never be compared with Capitec, i was using FNB but now i am using Capitec. Guys almost everything is for free, and i now see where my money is going. Service Fee of R59 is cheaper but are you swiping for free, re you drawing cash for less charges i do that for very very less and for free, i dont fell guilty after swiping coca cola can cos it is free. Capitec is the best. As for travelling visa, i will cross the bridge when i get there anyway is not like we travel everyday. FNB works for me, Capitec branches are not everywhere, and with FNB8217s Cash Send option, I can immediately transfer funds from my cellphone, internet banking or FNB ATM to another person. I say again, only R 59,90month, all cash withdrawals at FNB ATM8217s are free, no debit card purchase fees, no debit order fees. You only pay for cash deposits and withdrawals done inside a branch, from a Saswitch ATM. Cellphone, Internet Banking and In Contact is for free The FNB option that Reinette is speaking about sounds good, I looked it up, I just can8217t seem to find the fees for debit order payments, unless it is listed under stop orders, in which case it will be R25 per online banking. I also can8217t see the credit interest that you will get in that account. The other options sound good though and it is much better than anything else they had to offer before, this might be directly attribubtable to Capitec starting a better banking paradigm. No fees are charged for debit orders. I have several debit orders on my account and has never been charged a cent 8211 what a joy compared to another bank8217s R35,00 per debit order What type of Capitec account is suitable for a small business Currently have a Nedbank account which is killing me with charges They really only have one account type. You can link several sub accounts which I find useful for my business. My children have been bugging me for years to switch from Standard Bank to Capitec. Well i wandered down to the local branch and voila 8230 45 minutes later it was all very painlessly done. Kundendienst. Am afraid Standard Bank dont know the word and if they have ever heard of it. dont understand the concept. nor how to DO customer service. Well done Capitec. The Fees. 8230i keep re-reading the fine print and just cant believe it is as good as it seems. there HAS to be a catch somewhere. or am i just cynical from being burned for so many years by Standard Bank. It will take time to unravel my finances from Standard, but it IS already happening. Cheers Standard. you8217ve screwed me over the last 25 years. i am so outta here. Hello Capitec, lets do some serious business together. Well done Mark, you should have done it years ago, it was cheaper and you had a higher interest rate on your balance. Reniette, no debit fee charges sounds brilliant, but still, Capitec charges R2.75 per debit order or stop order irrespective of amount. R1 for a cash withdrawal at Pick amp pay, shoprite and others (currently the special is ZERO rand per withdrawal. R3.75 at Capitec ATM and R7 at other bank ATM, irrespective of the amount drawn. all this for R4.50. I am not sure that my service fees come to R60 per month, plus I get a great interest, Daily Savings Account R0 R10 000 7.00 R10 000 R25 000 5.75 R25 000 R100 000 5.75 So my interest often beats my service fees, even if you look at just my main account, which is often left bare at the end of the month because I use the flexi save option and what ever is left I shove into my bond. hey Justin 8230 dont 8220rub it in8221 my friend LOL 8230 i try not to think too hard about all that hard earned money i have so naively handed over to SB for 8220services8221 rendered over all these years. Could have bought a car with all that money 8230 darn, there i go agaiin thinking about it it seems that the key selling point with Capitec is that they ofer what most of the 8220man in the street8221 people, want. simple, cost effective, rewarding banking without too many (expensive) options. Rewarding being defined as hassle free, decent interest, minimal fees. Well done Capitec. Their savings account may be great, but one thing to be very careful of 8211 Capitec charge some of the highest interest rates in the industry for credit. opinionated. I must agree with you there. Their 3 month loan has you paying at 9 interest straight. ie, take a loan for R100 000 at the end of the 3 months you must pay R100 900. But then again, I believe in only 2 loans, Home loan and a loan to buy a car. Never take a loan on anything else. Yushra dalvie says: I am fed up of standard im a new account customer and I received pathetic service. im banking wit capitec since ive been on college 6yrz ago and I neva had problems. i opened a check acc standard bank and one of there consultants transfered a R2 my god with out my permision and then I found out 2months later I owe them a R115 but I never activated the account. thats fraud and im phoning them for more then 3weeks and my score has dropped. but I went to the ncr and they will deal with them, I wil advise my friends and family to think of standard bank as the last choice oops. made a mistake, my comment should read, take a R100 000 loan and at the end of three months you pay R109 000. According to Larsen, various share options in terms of share-incentive schemes have been awarded over the years to Maree, who has been chief executive since 1999. In 2009, when there were no profits, Maree did not exercise any options. An amount of R6.6m was entered as an expense on the income statement in terms of international IFRS accounting standards. Maree did not receive that amount that year. If this amount is added to Marees basic pay, his remuneration could have been R12.5m. This highlights the problem that arises with share options, in that annual reports DO NOT CLEARLY INDICATE HOW AND WHEN OPTIONS ARE INDEED EXERCISED. The exercise of options depends on various factors, such as a share price increase and the shares initial price, which must be deducted from the selling price. If the share price is lower than the issue price, it8217s an expense to the company. In 2009 Maree did not receive a bonus after having received a R8.5m bonus in 2008. The cash portion of his remuneration package that year was R4.5m and his benefits and pension scheme contributions R273 000 and R745 000 respectively, bringing the total package to R14m. According to Larsen, a deferred bonus of R2.5m was payable to Maree in March 2009. Had he received this, it would have been indicated as such in his remuneration package for the year. Maree exercised no share options in 2008. A total of R6.4m was noted AS AN EXPENSE82308230 If this were added to his 2008 remuneration, he MIGHT HAVE EARNED R23m. I think he has sponged off the client base and share holder base more than required. What does the client base say or would you feed him until he pops AND AGAIN THE PATTERNS ARE APPEARING China8217s attitude of progress above all else, above Human rights, above equity. or pain common decadency. Should like every other such injustice of the past or present, have no place in Africa, let only South Africa. China is running out of space and clean water due to their lack of care. let them figure out how to fix their own mess rather than dumping their inappropriate and harmful, mining. farming. and economic practices upon nations who have more than enough of their own atrocities to deal with. Down with greedy directors amp the worlds it is killing in the name of progress, money and power. A few days later, in Luanda, the journalists get some context for what theyve been told. A mine-clearance official from a Norwegian agency confirms the total indifference of Chinese labourers to landmines, saying: Weve got over 2 million Angolans living next to more than 3,000 areas that we know are mined. And those areas are just the ones we know about. One day I came across a crew of Chinese workers, who were firing up their machines right in among the little red marker stones that identify a minefield. I pointed to the stones and told them what they meant. They didnt care. They just shrugged their shoulders and got on with the job. A Chinese diplomat in Luanda explains to the journalists the reason: Theyre just not scared of dying. They know that if anything happens to them, their families will be handsomely compensated. These men are not afraid of sacrifice. The diplomat added that the family of the victim theyd heard about on the Lobito road would receive 44,000, a huge figure for people from rural China. So what is the story symbolic of On the surface, its obviously to do with the fact that Chinese workers are not at all like workers from the West (if there still is such a thing in Africa). To the Chinese, long hours and dangerous conditions mean comparatively little they appear to place their projects and their communities before themselves. Second, they do have something in common with their colonial predecessors a tendency to let the local population do the heavy lifting (taking the mechanised diggers while the Angolans take the shovels, for instance). Third, and perhaps most symbolically, theres the building of infrastructure in areas that have been neglected for decades. The trench, as Michel and Beuret make clear, was being dug for a fibre-optic cable that would run between the Angolan towns of Benguela and Lubango. The workers were employees of Huawei, the Chinese telecom giant. As if to reinforce the words of Ayittey, just last week a story of Chinese atrocities surfaced in the Zambian press. On Friday 15 October an entity known as the Zambian Watchdog reported that 11 miners and an onlooker had been shot and seriously wounded by Chinese nationals at the Collum Coal Mine in Sinazongwe district in Zambias Southern Province. Apparently, the miners were shot while presenting a list of grievances to Chinese managers. Commenting on the report, the Africa Review an outlet of the Nation Media Group in Kenya observed that it wasnt the first incident in Zambia this year: A few months ago, local workers at a Chinese-owned copper mine went on strike demanding better working conditions. The strike turned into a riot with reports of a Chinese manager firing at the crowd and injuring people. In such a context, does Africa need China Maybe the jurys still out as to what legacy the Asian giant will leave. But the real issue, is why China needs Africa more. Meanwhile, in another report, Standard Bank Group Ltd. announced a memorandum of understanding with Industrial amp Commercial Bank of China Ltd. Chinas largest lender, which owns a minority stake in Standard Bank, to promote nuclear cooperation between the countries, according to a South African government statement. The two banks are working with China Guangdong Nuclear Power Co. to engage with the Chinese and South African governments, the statement said. Wow, I can see why they fired you no you foolish H I won a lottery, hence have so much time on my hands. why is my time an issue with you, I got all the time in the world to forewarn others of your kind. our blinkers are off, go blind some1 else Pity you do not see the correlation has all your kontant blinded you made you like a gHost. some see the correlations in history amp did act upon ruthless men who chase after money as if it were they god. carry on supporting the corruption price fixing around you it has kept your machine well oiled. all in the name of those who violate human rights, who live life supporting injustices like fixed banking prices, supporting others for building nuclear plants in South Africa, who support, those that ban populations from practicing their Christian Faith. We do not welcome or want them here. Run along now, just as runners do sponging off the client base, filling their coffers and bank accounts at the cost of South Africans paying them the HIGHEST banking fees ETC ETC What has compounded Zuma8217s amp his government is THE FACT that South Africa has the highest number of HIV infections in the WORLD 8211 more than five million people, and a government that advocates HIV prevention 8211 by preaching regular condom us and faithfulness to one partner. The president8217s behaviour CONTRADICTS the not only common sense and decency, but undermines the South African government8217s stance on its official HIVAids campaigns. In addition, Zuma8217s actions protray a collective DISREGARD for the continent of Africa8217s moral integrity as well as suggest that corruption, theft, elections fraud, lawlessness, abuse of power and political instabilities are not just the only serious problems the continent has, but that its leaderships have problems with common decency and common sense. President Zuma8217s action shows that South Africa would have been far better today than a 8220free8221 South Africa where a HIGH SCHOOL DROP-OUT like him can caricature a national leadership. The South African presidency is more of a regional leadership, given the influence and advancement of the country in southern Africa. As such, a president of South Africa should be a person of average intellectualism and acceptable dignity 8211 something that the semi-illiterate Zuma lacks at every level including transparency. RESPECT for the institution of marriage amp decent family life are the hallmark of a decisive, significant and intelligent leadership. Apparently, the South African presidency and people have missed this mark by electing a philanderer as president. One will only hope that the ANC of today will transcend blackness and IGNORANCE by RETURNING to the integrity and standard set by Nelson Mandela in a post Zuma8217s era of international shame and ridicule. CAN YOU ACTUALLY SEE where I am coming from THAT TRANSPARENCY IS KEY. Run along now supporting those that have added to the unemployment rate in this country so that you too may face the same wrath of that which you have actioned against others. old Jacko ranked 16th amongst his old club boys the so called super star CEO who is losing his 8220midas touch8221 run along now you need to keep their machines well oiled carrying on taking your business to inflate their coffers. BRILLIANT LOVE IT WHEN A PLAN COMES TOGETHER. SORRY CHINA YOU8217RE OUT take your nuclear power plants and shove them far down your allies. A certain bank suckered you for R5.5billion 8211 you are not in the limelight today or ever until you get your households in order. sorry STD bank it is OUT as in out with the old and in with the NEW youngest bank in town 8211 You chose red in your banking brand logo Red for Russians (some how the red in the Chinese is not the red what the world opted for 8211 are you still wondering why, maybe their Faith in how you have blinded your populations holds the key) CAPITEC we are with you all the way. Ok, Christina, thanks for the feedback but I think that8217s enough now. Danny De Vito says: Phew Chris 8211 I absolutely agree with everything you say here. Who would have thought that where you were labelled a communist banker turns out that China get the boot and Russia takes the cake. Yes we all know that Russians gave up the communists ideologies years ago 8211 only if you have DSTV would you be able to see how Russians began to prosper. Nobody wants to deal with those sleeping partners that advocate building nuclear plants in South Africa. These idiots are years behind they can not even reach common ground saving mother Earth no lets pollute sommer in SA. I have throughly enjoyed your correlations, makes perfect sense to boot out greedy directors that have just sponged off the general public for far too long. In all in the name of saving their skins boot out the work force but keep the internal lechers. I think that is how you spell people to such blood out of their client base and share holder value. Time to boot out the old ice cold blue standart and in with new technologists amp new bankers that are prepared to stand up against this old regime. I am loving it 8211 please do not be dishearten please show us more correlations more similarities where banks have failed their communities. I for one closed our business corporate account with Standard Bank amp opened a further 145 accounts for my labors. it took us three days, however my staff love me for going this extra mile with them. We were horrified to hear how some of their Zambian family members were defrauded at the Zambian STANBIC ATMs. We know they have lost the plot with banking outside of SA. Pity too many South Africans still wear blinkers being blinded by their own bankers. as standard banks profiteers from their customers from all walks of life for doing the bear minimum of any banking service. The whole Africa debacle and exposure into 15 African countries is going to hit them the hardest. I just feel sorry for the masses that have been blinded by the standard bank directors (was told 12 directors hold posts in the credit dept alone at JHB Head Office Simmonds street, how come they were not shown the street, are they owing the bank too much debt in order to be fired) it is a crying shame they still hold their posts. Capitec we wish you much success, continue to grow South Africa is behind you. This is funnier than anything I have read in ages Who gives a shit about Jan Wouters Just as he has shown disrespect against a complete stranger so what goes around comes around. Since when has sex got to do with anything banking you sic individual, when you can not come up with viable solution you revert to what occupies your pee brain 8211 sex my sexual orientation and frequency has f all to do with you sicko Jan Wouters 8211 go get a life. Whilst you are at it continue allowing your bank to rip you off with their highest banking charges. Stay with you blinkers on. Global international banks have learnt to steer away from charging highest banking fees against their client base, South Africans still have a long way to go before removing their business away from leeching bankers. I could reveal vast studies and transcripts of what cause large banking groups to change their modis operandi but spoon feeding days are over. History will teach you otherwise. Adios amigos Stay clear of allowing banks to rip your consumer rights into the ground. cartel days and price fixing got blown sky high into oblivion but so long as you support them they will continue to milk you dry. proudly South African, proudly woman, proudly anti banking price fixing charges, read their yearly after tax profits and where and how this years ZAR5,9 billion after tax profits were distributed to the remaining directors and their newly largest Chinese shareholder, after they retrenched over 2,000 of their staff all in the name of operational costs, acting as 8220responsible banking group8221 but the day shall come when they in turn shall be removed from their blinding thieving price fixing conduct posts. Hasta la vista Christina Jan Wouters, apparently not, but you should also realise that Capitec8217s global one card is international, you can access your cash funds anywhere in the world. I know its R4.75 per overseas debit card transaction and R35 for an ATM withdrawal. Not sure if their is an additional foreign exchange fee, but I doubt it, as it is a simple formula to put in so that your rand is converted to or whatever. It would go against what Capitec general does, which is not to charge for a a simple formula or add on extra charges where the amounts differ, eg additional 99c for every one hundred rand when it is the same administration costs Oh yes, and I forgot to mention that an international point of sale transaction is also free. So there may be no need to lose money to at the foreign exchange, just take your card. I could be wrong it would be nice if one of the capitec staff here can clarify the international aspect of the global one card Christina, Jan actually spoke in favour of Capitec, except for its lack of credit card, but why use a credit card and get into debt8230 Also, he did not question your sexual orientation, just whether you were getting any8230 Inappropriate, but I think it is based on your overwhelming responses8230 point in case. Hiya Justin You are a beaut of a man Thanks for your latest update on confirming 8220that Capitec8217s global one card is international, you can access your cash funds anywhere in the world. I know its R4.75 per overseas debit card transaction and R35 for an ATM withdrawal.8221 as far as I am concerned when a tiny no brainer like Jan Wouters starts to insult women in general, actual women who are strangers to this 8220man8221 and resorts to his sic one liner of sex 8211 one just realizes that he has lost the plot, he deserves no respect and is a loser in just about everything he does including his banking. Not nice to deliver insult for insult but come to think of it, that is the only way some folk register their conduct and mentality when you feed them their own medicine. Yeap sic people need a doctor and certain medication. LOL Stay smiling savvy bankers, cut your cloth according to your size (not the naked emperors BS). I am with savvy Capitec, who has and continues to cultivate a culture of savings, handsomely rewards their clients that have safe deposits, far above any of the cartel banks in South Africa. THANK YOU CAPITEC FOR RESTORING MY FAITH IN YOUR SOUTH AFRICAN BANK, WHERE SOCIAL RESPONSIBILITY MEANS MORE TO YOUR GROUP THAN LEECHING ON A CLIENT BASE FOR THE SOLE PURPOSE of paying remaining directors exorbitant multi million bonuses at the cost of their staff and at the cost of retrenching over 2,000 staff members as conducted by standard bank SA ltd during OCT2010 and charging the general public and their customers, the highest FIXED banking fees witnessed anywhere in this country and globally. Does not make humanitarian sense or financial sense to have axed so many staff, all in the name of deriving a profit. Now we know your true colors standard bank, may the mass exodus continue as millions of clients remove their business from your underhand profit at all cost mentality. Makes for good reading: 8220Profit is all that matters8230. 8221 Whilst this concept is not illegal but HERE IS THE CATCH, it won8217t increase your bottom line A TBL company conceives the triple bottom line (Abbreviated as 8220TBL8221 or 82203BL8221 and also known as 8220people, planet, profit8221 or 8220the three pillars8221 in that order) People (human capital) the staff members, pertains to fair and beneficial business practices toward labour and the communities and region in which a corporation conducts its business. Without your staff supporting and promoting your business ethics, you may as well close doors and shut down. A triple bottom line enterprise seeks to benefit many constituencies, not exploit or endanger ANY group of them. In concrete terms, for example a TBL business would not use child labour and monitor all contracted companies for child labour exploitation, would pay fair salaries to its workers, would maintain a safe work environment and tolerable working hours, and would not otherwise exploit a community or its labour force. MONITOR WISELY THOSE BANK directors ENGAGING in financing companies, to build FURTHER NUCLEAR POWER STATIONS AT WHOSE COST AND WHO SHALL BE PAYING THE ULTIMATE PRICE WHEN SOMEONE HAS BLINDED OUR EARTH8217S RESOURCES AND YOUR EYES What are you going to do about it, carry on supporting these fat cats in nuclear explosion plant installations. We do not want them near us, there are far more clever means of generating CLEAN power you idiots. Solar energy has been around for centuries but alas it will not fill their profit coffers as you can not charge humans for the consumption of solar energy. ETC ETC A TBL business also typically seeks to 8220give back8221 by contributing to the strength and growth of its community with such things as health care and education. The social impact of a business towards it8217s communities. Credit cards are bad news, erodes your assets worth and locks you into debt for a lifetime. 8220Planet8221 (natural capital) refers to sustainable environmental practices. Anyone or business or group of people threatening our natural capital is to be exposed and removed from their post. Nuclear power stations are bad news globally, who in their right sane mind would want to support their thieving schemes. Banks you have a role to play here, may more people and clients expose those bank directors and it8217s share holders that financed such irresponsible thieving blinding unethical conduct that lead to devastating beyond repair human and Earth disasters. 8220Profit8221 is the economic value created by the organization after deducting the cost of all inputs, including the cost of the capital tied up. I just opened my Capitec account today YEAY. And will be closing my Standard Bank account in a month. I am so done with ridiculous bank charges and NOTHING in return. At least I earn about 6 interest per year on my positive balance with just a normal savings account8230. iv been with standard bank since 2002..bad service, had to que when i was pregnant, bt the other bank i was offered sits even water,,i now hate them with passion since i hv noticed hw capitec bank operates, i hv been trying 2get a loan even an overdraft frm my cheque account of R4800,im going 2 get a a loan frm capitecampget rid of 8217em people8230after reading that letter, i now realise most people are sickamptired of this Bank8230 Thank you so much for this post I went to Standard Bank this week to open a new business account. I have been banking with them since 1986 and currently have a Prestige account and a credit card. They would not give me and my new business partner ANY over draft facility because8230and I quote 8220we do not have any relationship with you yet8221 WHAT. My business partner banks with Investec. The business has been operating since 1995 It already makes a profit They can see that And no need to mention the bank charges for the business account8230on every transaction. So I came to work and started asking some questions, which led me to Capitec. Guess where I am going on this cold, wet Friday with a smile on my face straight to Capitec. I did the same thing..I left Standard for Capitec and i8217t the best decision I made. ) Standard bank have a way of irritating the crp out of me when it comes to EFT limits and what I8217m allowed to do with my money. No such unnessesary restrictions at Capitec. so good to see high ratings for capitec. i have been with standard bank since the day i got my autoclub 3 card 8211 so about 20 years. i recently enquired why their travel insurance on a standard bank gold card is so bad compared to FNB8217s gold credit card. they agreed that what they can offer is not as good as FNB. the only thing they could say about the standard bank gold card is that it covers you with travel insurance up to the age of 84 whereas FNB gold card only covers you up to the age of 70. um yes 8211 i am 30 years old8230 and. i am excited to join Capitec. i think i8217ll throw away my standard bank car sun shield. no promoting for that one Capitec is COOL. I was unable to open a Capitec account as I dont have a ID document but my wife opened a Capitec account and closed her FNB account. Yipeeee. The amount of money saved on bank charges is an eye opener. If I was8217nt in the red on my FNB overdraft and had a ID I would move too. FNB takes advantage of people when they are at their lowest with their fines and fees. When a debit order doesnt go thru for lack of funds FNB fines me R130.00 while capitec fee is R3.50.Finally getting rid of all our FNB accounts would be a dream come true for me. If you want to move I say go for it. Capitec lets you pay everything from your home just like before for much less. stuff standard bank8230moving ova to capitec sooner rather than later i have been a staff member at both fnb and standard bank, funny thing is staff get no special rate even when applying for bonds etc..so what8217s the use, might as well exhaust all options. Don8217t see why i should have a cheque acc. Its of absolutely no use to me8230just damn well bleeding me dry8230.Morons. Can anyone give me advice re Std Bank8217s policy of not allowing you to close a cheque account between 25th amp end of the month I switched to Capitec end of August amp waited a few days to check all my payments went off. Phone Std to close my account amp was told I need to go into the branch. Haven8217t had chance until today (29-Sep) amp when I went in, I was told they don8217t allow you to close accounts over month-end. I told the lady that I had phoned amp the consultant told me nothing about their stupid rule. She said it was on the t8217s amp c8217s 8211 I still haven8217t found where exactly. Then this same lady told me that as I have Prestige banking, I could have phoned in to close the account 8211 and she also informed me that my 8220personal banker8221 had moved amp I had a new person now (shows you how much contact I had with them over the past almost 20 years). I was then told I could, in fact, close my account 8211 provided I paid them R193 in fees for the next month. Any advice, anyone (I am putting this complaint on hellopeter as well). My advice is to just pay them whatever they want and get the hell out of there. Fighting won8217t be worth the energy. Then thank your lucky stars that you have seen the light and can look forward to 20 years of not being ripped off for a change. I can tell you every time I walk past a Standard Bank ATM or branch, I get a warm glow of satisfaction inside knowing that I dumped them ages ago. This warm glow is an unexpected perk of moving to Capitec, in addition to the perks of not being ripped off with bank charges every month and actually earning interest on my money. Thanks for the reply, Dax 8211 I have good news however. I reported the problem on HelloPeter amp I got a phonecall from Std apologising for the screw up. They decided not to charge me amp closed my account on the spot The lady I spoke to was upset about the stories a certain Mrs Govender had told me when I went into the branch 8211 basically all she told me was utter rubbish Anyway, just thought I8217d post this 8211 hopefully this can help the next poor sucker who8217s still at one of the 8220big8221 banks. Have a GREAT Capitec day everyone I8217ve been with Standard Bank for the past 8 years. My first salary cheque was deposited with them. Every cheque since has been deposited without fail. Apparently they have certain 8220ratings8221 on their cheque accounts. Despite my record with them, my 8220rating8221 is not enough to apply for a vehicle. So I went to Wesbank. Wesbank will finance me, but Standard Bank refuses to accept the debit order for the installment due to Wesbank. I have had enough, any enquiries made to Standard Bank, they simply pull up their shoulders. 8220Wait 6 months8221 was their answer. I8217m seeing an FNB consultant this afternoon and moving my cheque account. Unfortunately, Capitec is not in my country yet. I was with Standard Bank for more that 20 years. To make matters worse you find that it8217s ATMs are out of order on oay day. I swallowed my pride and went to Capitec now in Sep. I8217m living happily ever after. I guys. Interesting issues you are discussing here. It is unfortunate that iam also have a current account from standard bank which they cannot link to my savings account and therefore charge me interest separately from each account. I currently have a loan with Capitec as i could not afford theirs. My question(s) therefore is: Does Capitec have a current account and since i want to buy a car, can they finance it without me having to borrow money from them Tom Wilkinson says: I also moved to Capitec about 18 months ago, also from Standard Bank. Best thing I ever did. Tom Hi all, quite a discussion you have going on here. I8217m a business owner and its ridiculous what they are charging for business owners. Why are the over rating the prices like this and is there a bank that has a fixed rate for business accounts like you get with your personal cheque accounts I was with Standard Bank for over 30 years and am delighted to say I have finally managed to clear and close my accounts. (Took six weeks to get it done 8211 no responses to secure messages via their website or to emails, so I spent over an hour waiting in the branch. Two weeks later I8217m still waiting for the promised confirmation of closure.) I8217ve been with Capitec for two years and am sending every one I know there too (for savings accounts, not loans). The only thing I needed and couldn8217t do at Capitec was to bank a dollar cheque 8211 but I see that is indeed possible now. One thing that particularly got my goat at Standard was the punitive charges (R165 or 185 8211 I forget the exact amount) if a debit order bounced when it pushed the balance over the limit, however slightly. If that debit order was for a credit card payment, then the recipient bank would levy a similar fine for the non-payment. At Capitec the fee for a bounced debt order is all of R3.95. Capitec rocks Capitec offer good interest rates but rubbish service. Only today they gave me R100 to compensate for a mistake they made, I guess it is worth the pain of enduring bad service to receive R100 for free The outright deceipt from these banks is beyond me. I recently found out that apart from the R110 management fee that I pay with absa, I8217m also paying R140 transaction fee, R25 for each debit order and lots more that I can8217t explain. I was told on opening the acc. that the monthly fee would be R99. What do you call it when you pay over R600 to your bank I say robbery. Moving to Nedbank. They seem transparent Thank you Capitec..I have been a client of FNB and Ned Bank for many years. My bank charges have been between R500.00 and R 750.00 per month from FNB. This is because I perform many transactions and regularly draw large sums of money. I have changed to capitec and started saving money immediately. The internet banking is uncluttered, fast and secure. The token works well. I am happy that their is a bank for the people. I was with Standard Bank for a few months, and after I was misled about instalments on a loan, I simply switched to Capitec. Not to dodge my debit order, but to have some sort of control over it. I had numerous R14 charges on my Standard Bank statement every month that didn8217t even make sense. This month with Capitec my salary finally makes a bit more sense. Oh and I can check my balance online, free. I would like to trade in my mazda 2 1.3 of 2008. I wanted a small car to learn how to drive so now I can drve. Is it possible that I can trade in the car even if it has not finished two years Hi I wondered if anybody has also been the victim of a teller scam at Standard Bank branches. I have twice (at different barnches and different tellers) been told that there is a R 10 note amongst the R 100 notes being counted in the automatic teller machine. I have on both occasions made up the deposits myself and am absolutely certain that there were no R 10 notes inbetween the R 100 notes. I am with Virgin credit card and definately moving to Capitec bank. Why not try virgin mobile while you at it saved myself R1000 on my monthly bill. I took 3 months off to review my financesit takes that long and saved myself R10 000 a month. insurances, communication, transport etcKabooom Dax, in fairness, please confirm that you are neither an employee, nor shareholder, nor hold ANY interests in Capitec other than being one of their clients. Vielen Dank. Manny, I am nothing more than a Capitec client. I am not an employee, nor do I have any interests in the company. Although I8217m considering buying some shares LOL, and if you had read through the blog Manny, you would have noticed that Dax has barely commented8230 And no, I am not an employee of Capitec either, just someone that appreciates the way they do banking Dax: okay just asking. I8217m with you. 33 years with Standard Wnk (bad keyboard) and I8217m looking to change to Capitec. I8217ve had it with the outrageously high and stealth charges. Even FNB 8211 I have a letter dated 13 July 2009 where FNB 8220advise8221 an increase in my home loan 8220admin fee8221 from R39.90 to R52.00. R12.108230 peanuts right But it8217s a 30.2 increase. And how many home loans do FNB admin Guess 1 million So just like that they gave themselves a R12.1 mil INCREASE, PER MONTH. Nice huh First National Wnkers (bad keyboard). Justin: blog too long 8211 must work more to pay higher bank fees coming soon. So ja 8211 come early March I8217ll give Capitec a try. How else can we choke the greed A am also in the process of changing over from ABSA to Capitec Virgin Money. My ABSA monthly cost is around R150pm on my debit card and R20 on my credit card, with Capitec so far it is around R40, and VM is R0. OMW. I was thinking of opening up a savings account for my kid, that she has access to and was told to try FNB fluid account, billed as 8220FNB8217s Fluid Account is designed for the youth market, specifically for those 18 years of age or younger. Get great discounts and save on banking fees at the .8221 Well, you need a minimum balance of R1000 to avoid the monthly fee, R5.25. But then they charge you for everything else, include depositing money into your own account. How the heck are you expected to save. cash withdrawal rates Value: R0.01 R500.00 R5.70 Value: R500.01 R1 000.00 R11.40 Value: R1 000.01 R1 500.00 R17.10 Value: R1 500.01 R22.80 I really don8217t want to go into all the other charges, cause there are lots, but see fnbweb. co. zacbspricingguidePersonalFluide. asp this is recommended for kids8230 to save. hell might as well give FNB all the kids money 8230. To top it off, I asked how much they give me for credit interest, ZERO point ZERO five percent on balances above R1000. 0.05 on credit interest above R1000. man, FNB, if I wasn8217t so well brought up I would be flipping you the bird with both hands. its the final straw im changing to capitec thanks alot standerd bank for the shittie service regards I am thinking of CLOSING my Capitec account and going back to FNB, I cannot make online purchases with a Capitec Card as they don8217t have CCV numbers8230not can they say when those cards will be in. Not good enough. Anthony. I am afraid that you are confusing a DEBIT card with a CREDIT card. Credit cards have CCV numbers. Capitec does not offer a credit card, if you had read the posts you would have seen this immediately, ie, that Capitec offers only a straightforward savings account with a DEBIT card which gives you free at the till purchases. So if you want a CREDIT card, you should apply at an institution that offers the facilities, but it does not make sense to complain about an institution that does not offer Credit Card facilities not to have them. Its like complaining that your dog does not give you milk8230 Suggestions for a credit card included virgin which apparently has no subscription fee. Also, just as a matter of interest, you can make online purchases wherever they accept an EFT with Capitec. I do a number of purchases from groupon, Ubuntu deal etc which are online sites, just as an eft and emailing proof of payment. So, as so many others have pointed out, keep your credit card wherever, but for your saving banking move over to capitec, its cheaper, more convenient and better service. And by cheaper I mean hundreds of rands a month8230 I. or my wife, has a woolies credit card. It has an annual subscription but you also get vouchers. Plus to pay your account is free with your capitec card, just go install and swipe8230 Also Anthony, if you have to do an eft to your credit card from your capitec account, (which on the banks internet site credit card payments have its own option) you can just do it for I think R3 a payment. Where as FNB will charge you more than that for the transfer8230 So, logically, can8217t support your view to leaving Justin8230.nope, talking about DEBIT cards not CREDIT cards, FNB gave me one with a ccv number and I could do online transactions with it, if you like I can take a picture of it to show you. Capitec told me last year that they were also getting debit cards with CCV numbers and chips when I opened my account, that branch told me they would be available in November. I do my homework on these things. My apologies Anthony, never heard of a debit card with ccv numbers so I stand corrected. Capitec probably will take a LONG while to get it, it took them 3 years to set up their internet banking and they had their postponed start time with starting it up, but I still say it does not make economic sense to leave Capitec just for the CCV number. Rather keep capitec open foe the interest and low service fees and get a credir card if you need to do online shopping with a ccV card You will surely pass less fees with a once a month debit to your credit card from your capitec account. Standard Bank sucks I moved my account to another bank I lost my job and recently again employed. Standard Bank took my cars, got so called lawyers to handle the matter. In the mean time, bank officials are scrutenising my bank account and even took R3000 from my account, without a court order, or even the decency to inform me about it It8217s time they leave the country, we need proper banks. I know what you are saying, I bank with nedbank and their bank fees are just as ridiculous. If you add it up my bank fees for the month comes to almost R500 do you have any idea what I could have done with a R500 for a poor single mother that is daylight robbery. I will also be changing to Capitec should have it a long time ago. i think it is vital to research about the acc while the consultant helps you, with a achiver acc, there 1 for R95pm, as far as i know, with this a cheque acc you can do 4 free withdrawals and get charged on the 5th 1. Did you inquire aou that In order for you to survive those hectic charges, you need to withdraw sufficient money and swipe, which is free. Gotta love the irony of the Standard Bank banner ad next to this post8230 Ye, years back there were people who sat every day and kept all banking records up to date, real people working every day to keep savings and other account up to date, you got 12 percent interest on your savings, and there was no bank charges, today a frigging computer does all that and you pay the banks to use your money to make money, bank managers had normal cars and lived in standard middle class suburbs, but today they have to have the flashiest car and live in top suburbs, i say screw the banking paresites of this country and join the banks that realy want help the people, down with Standard, ABSA, FNB, suport wizzit and capitec FND used to charge me R150 for each debit order that bounce, if 1 debit order bounce 3 times a night then it meant that in the morning i will be owing them R650 before i even pay the debit order. FNB actually got me more in debt trap for the red tapes i8217ve been paying. FNB even suggested that they place me on a debt review but after moving to Capitec, there was no need for a review as i am now enjoying the financial freedom With Capitec i pay i think it8217s around R2.00 if i8217m not mistaken, i can not even see that i had defaulted in my debit orders Thank you capitec Very informative. Thank you I think Capitec should hire you for all the good PR Seriously though, I have banked at Standard Bank for 16 years and am now looking forward to closing my account there I8217m sick to death of being ripped off by high banking charges. I already have a Capitec account and am very happy with what I8217ve seen so far. Good riddance Standard Bank I banked through Standard bank for years. When I returned to SA after 5 years of living in another country they were most unhelpful to say the least. I managed to open a student acc (at the age of 33) and they nailed me on every transaction, especially my income from overseas. As soon as I was employed I switched to FNB. They were great for a year or two but then they became just like every bank in SA. Greedy with charges and shocking service. I was fed up, so I switched to Capitec over a year ago. Their service is great Admittedly they8217re not put to the test often as there are never any problems. The downside is that they don8217t have a credit card so I am still stuck with FNB for that service. Over the last year I have had multiple problems with FNB and I can8217t wait for Capitec to launch a credit card so that I can switch to a Capitec credit card too. Two weeks ago I tried to buy data from my mothers iPad using FNB8217s online service. I got an error message so I gave up and tried the next day from my laptop. I had initially used my iPhone. No luck. After 45 mins on the phone to the FNB call center it emerged that the service had been disabled 8220for my protection8221. Was auch immer. I requested that it be reactivated. TWO WEEKS AGO. I8217ve spent hours on the phone to FNB, even sending them screenshots via email. No response. So I gave up and trekked out to the shop to buy data. The solution Try not to use the FNB card. They charged me R240 for a late payment. The payment of R330 was made 3 days late. It was the first late payment I8217d made in 7years The reason is because FNB cannot debit my Capitec account for the payment each month. Call centre operater: 8220Ja some people have problems with Capitec, when are you going to pay8221 Grrrrr I intended to write about how marvelous Capitec are, not rant about FNB, apologies. Capitec encourages you to save, this should be the primary function of a bank. They8217re also open about their charges, helping you to make an informed choice. Their service is simple and streamlined and best of all your interest is better than all of the other banks. When I asked FNB why they were unable to offer me the same deal as Capitec, they responded 8220Capitec is not a real bank8221. Capitec does not misinform or overcharge the customer. So in that respect perhaps they8217re not a real bank. My money is safe and secure with Capitec, the process of switching is simple and easy. I encourage you all to do it. Switch and force to other banks to offer a better service to try and win you back. And l was also in standard bank last year l recieved a call to unkwon verifying all may details inclunding account number for standard than i asked her where she get my information she reply that they are connected with standard bank than l went to bank enquire about that they said the dont know such a thing this after that l decided to remove my cash to capitec month the derbit order of 399.00 tried to strike in standard bank acc but they didint succed now lm changing to capitec everthing its fine thanx global thanx. I have been with Capitec Bank for more than 5 years now and I am forever happy with their services. I took a personal loan with Standard bank and sadly was Retrnched 3 months later 8230 I had tried to activate the retrenchment cover and they just refused pOint blank to assit me in anyway because I did not get thru the 3mnth probation for the retrenchment cover. So I am still struggling to pay for the loan they have even blacklisted me 8230 I am done with stanfdard 8230 Wen I was a kid it was all well and gud but now that iam working and earning a decent living its like they just wanna eat all my money. So I8217ve moved to captiec and this is my 1st month let8217s see how it goes. Eric Harrison says: 8220He8217s just a poor boy from a poor family. Spare him his life from this monstrosity8221 Jokes aside, thanks for sharing this. I would like to know if you are still with Capitec now, and how things are with the recent changes in fees and interest rates Hi Eric, thanks for the comment. I was actually thinking it was time to update the post. It8217s been a while now and yes, I am still with Capitec. I have even put them to the test with some international banking which they do not do directly (they use Nedbank). I have been depositing cheques from an international bank (they struggled with the first one but no hassles since then) and they charge me R3.50 to deposit vs the R125 Standard Bank was charging me I also transferred some money from an overseas bank account and everything was fine. The interest rates have come down obviously but they still compare well against the other banks. The fees have increased very slightly and are still a fraction of the other banks8217 fees. I8217m VERY happy with Capitec. And how is capitec I also want to move to there, I also want to move from standard bank to capitec Wow. I8217m a bit shocked. I always knew standard bank has ridiculous charges bcz they r a big bank and they spend so much on trying to keep that up. None the less, I told everyone I would never leave standard because of their great customer service. Just recently I realised I spoke too soon. Firstly, I took a loan of R3k, the repayment was -30 interest on a three months payment plan. I set a debit order to run but as in life, unforeseen circumstances happened forcing me to push the payment plan to six months. I would like to tell you that that went well 8211 it didn8217t. I was told that I cnt change it regardless neither can I cancel my debit order. Now I8217m still young, I don8217t quite know if all banks do this but in my judgement, it makes no sense what so ever. I8217m really unhappy about it. Moved over to Capitec from ABSA today8230 what a wonderful process8230 Simple and positive And I have my shiny new Capitec card8230 i got back to work and contacted all my 7 debit orders to change the details (it8217s much quicker to do it yourself) and sent HR my new details. Bam. All done So excited. I think I will transfer all my money over from my ABSA account to my Capitec account now so I can start using it immediately Very excited for this8230 ABSA8217s banking fees are absolutely shocking when you actually go through them8230 I also love Capitec and have been with them for almost a year but i feel they still need to improve on certain things, like their ATMs8230how can they not have money especially month ends and they tell you to go and withdraw at Pick n Pay and there their limit is only R3000. i8221m considering to move to another bank8230i have waited long enough hoping this will emprove with time but it seems they are not doing anything about it. i have an account with FNB for the last 15 years8230i have never ever wanted to close my account so badly with them like i do now8230they charge me a ridiculous R135.00 for a debit order of R35.00 that never went off8230and on top of that R138.00 because it returned. that8217s like so pathetic8230Capitec charges R4.00 if a debit order returns8230i think FNB is so ridiculously pathetic with their bank charges, shoo, i8217m so upset i8217m going to close my account with them this weekend8230they can never get rich of our hard working earnings we deserve, the banks suppose to help us, not take advantage of our monies my word Good heavens, i8217ve never been so upset the way i am today shooo8230a bunch of morans, losers, whatever you wanna call them8230hope capitec will treat their clients with more dignity and only help us, not like FNB status 8220HOW CAN WE HELP YOU8221 by charging us such high bank charges. they should change their statement. 8220HOW CAN WE ROB YOU8221 I was also very disgruntled by FNB, I lost my job last year, having a personal loan with then, tried to make arrangements that I couldn8217t pay the full installment. My life became hell from there, I couldn8217t pay my other debit accounts because any money deposited was used for repayment of the personal loan. I would have as many repayments as the deposits I made no matter how much I deposited, as a resultI lost all of my long time policies, that would help me in my my old age, and I8217m nearing my old age i have had it with Standard bank, im switching to Capitec. Worse i was declined a bank overdraft after i have been with this bank(standard bank) for over 15 years. Capitec is great, but the problem with them is that they dont offer any cheque accounts, so you cant raise your credit scoring. i was forced to move to Nedbank for this reason but I8217m seriously considering going back to Capitec, even though my credit scoring will remain the same. also, I dont see any fixed deposits with them. I heard through one of my friends that Capitec has these ridiculously small banking fees. Wanted to switch to Capitec but alas Being a foreign student, I cannot open an account with Capitec Capitec bank is thumbs up. I8217ve been with them for about 5yrs amp I don8217t regret moving from FNB. The only thing that still worries me, Capitec bank does not offer home loans, then these other banks will penalize you for taking your account to Capitec bank. Please make us complete with you by offering us home loans so that we don8217t have to go back again and be ridiculed Nice site dude, I gather you are a fellow Internet Marketer One that note, I8217ve got 2 Google checks to deposit and I bank with the dreaded Standard Bank. I haven8217t even bothered going into to depost these checks with them, they just sitting on my desk. I already know that there will be blah blah blah stories if I go to Standard bank. I noticed you deposited it with Capitec, I8217ve been thinking bout opening an account with them for some time now. I guess I might as well go ahead and do so and take my Google checks with me at the same time and deposit into Capitec account. Just as a matter of interest, how long did the checks take to clear 8211 I pretty much abandoned adsense because of the messy check payments but at least now If Capitec can process them properly and in time then I could revisit Adsense again. Hi Daryl, Capitec currently charges R15 to process the cheques from Google, and they take 10 days to clear. Standard Bank was charging me R125 to process my Google cheques. I wish I had read this back in 2009. I am definitely moving to Capitec. Standard bank screwed me over on an ATM fraud case where ALL my current accounts got cleaned out while I was placed on hold trying to block the cards. To pay R99 per month just to be hacked at their own ATM then told it was not their fault and thus I cannot get assisted Adios Standard, keep moving forward without those of us who realize what a sham you are running. I get upset just thinking about ALL that money that Marched out of my account last week. My cents may mean nothing to them but dear Lord does it ache me to lose them. Thanks for opening up my eyes. Referring to the first post. I have an account with Nedbank and Standard bank I8217m on my way to Capitec I just scanned this blog for advice on overseas withdrawals via Capitec, but I couldn8217t see anything. I am more often overseas than not, and the Nedbank fees are killing me. I will definitely be changing over to Capitec for all SA transactions but I am wondering if anyone knows the rates for each withdrawal overseas Hi Caroline, to be honest I wouldn8217t recommend Capitec is you deal with overseas transactions a lot. They are not geared up for it. You would be able to use your Capitec bank card for transactions and withdrawals, etc. But depositing money from overseas is a mission. Tshifhiwa Nengovhela says: The mission to deposit money onto a Capitec account is worth it. Thanks to all that left a comment you have made it easy to chose my new bank. ill be going to open my capitec account tomorrow as im fed up with standard bank and really dont know why i haven taken there sht for so long . Standard Bank decided that they going to close my access bond so when i wanted to draw from it i was told its closed Now they want to charge me 5700 to open it and have taken that off the capital. i sent the mail below to there complaints dep. and have received nothing from them. I am starting to get upset now. this is just crazy First of all we were told we had an access bond on our bond and received a print out that stated we had R7000.00 available in that account we were happy with this and thought we would continue to pay extra over and above the required amount to use this on the house. Some months later called to find out what the process was to release the extra money to find out that the access bond was closed with no communication to us whatsoever. Not by mail. a call or even a letter. I was then told that it was not correct practice from your end and that we should have been notified in some way. I was then told to reapply for an access bond and the funds that were available would be available to us again. We then reapplied, and now you saying that there are no funds available from the access bond as to the R5700.00 fee. What Fee R5700 for what And not only what is this fee for and why or who in your bank made this error but if I had R7000 available a couple of months ago and continued to pay extra in the bond ( the access bond that your bank told me was open ) why is it that if you subtract R5700 from the amount that was in is there are no funds available now Whats wrong with the math here I was then told I have not only 1 bond but 2 with standard bank This is news to me as I only pay for one bond Again with your mysterious information ( This must most certainly be rectified ). I have called and sent in numerous emails asking standard bank to drop our interest rate for past year as 11.1 is really high with a result of No each time, yet now that SA Home Loans are willing to give us a rate of 9.1 are you happy to accommodate as long as we give proof that they will. What is this Is this the way you treat all your customers I have had nothing but problems with this bank and moving both my account, my Wifes account and bond to your bank has come back to bite me Its absolutely disgusting how some corporates will treat the little guy I want a full explanation of what went wrong and who was at fault from when we opened the bond to who was meant to apply this mystery fee in the first place and how you, the bank, are going to resolve this. I am happy to come in and see who ever I have to see I will bring with the print out of the access bond that was open and had R7000 available to us that we could draw that day and do not tell me to go see someone that has no knowledge of whats going on I would like an appointment. Send this mail to whoever can look into all the facts but I do want this resolved. I would like to post a thread of this to myBroadband as I believe that there are a lot of people experiencing these ( based on people I have spoken to and from what I have read on hello peter ) issues and would like to see how affectively you can resolve an issue that was created by you Standard Bank. I find it fascinating how you can treat people like this when FNB has such a strong marketing campaign and people are just looking for a reason to jump ship. Note that if this just gets pushed aside we will be closing our accounts . Yes8230I dumped Standard Bank at the end of 2013. Apart from banking with them for over 30 years, they also insured my car for 5 years8230.up to the point when someone drove into the back of me. What a nightmare8230.I can8217t even bear to think about it. They did end up paying for the repairs, but balked at paying for the breakdown service, which was more than R6000. I went into to see them, and made my displeasure and disappointment in them very clear. I received a call from the consultant (who I must say was a shinging star amongst a bunch of lazy morons) later on that afternoon, to say that Std Insurance had changed their mind, and would pay everything. I have never been so disgusted with service in all my life. I cancelled my insurance with them as soon as everything was over, and took my business elsewhere. I also closed my bank account and crossed over to FNB8230.and I haven8217t regretted it for one second. I could take each one of the comments posted here and find something that would apply to me. When I still had lots of transactions going through my FNB account, especially when I was in the country, they smiled all the way. I have a Platinum account. I tried getting a Platinum credit card (monthly income about 35k after tax) and it was declined, despite a credit rating most can only dream of. So I got one with a lower interest rate from another bank and waved it in FNB8217s faces. Oh, they hated that. They could see the debit orders to pay the other bank8217s credit card on my statement. Then they offered me a Gold Credit card and I told them Gold and Platinum don8217t look good together in the same wallet. Either give me the Platinum card, or leave it. In July 2013 I decided to rid the family of FNB and we all went to Capitec. Was getting sick and tired seeing how the kids8217 accounts were being robbed by the bank. Had the new accounts done in about one hour. I switched ALL my debit orders, and now FNB is so pd off that my 8220premier banker8221 does not even want to reply to my e-mail (I will report this little matter to someone higher up the food chain). The bank complains as it sees me as only using the Platinum account to receive my forex (I work overseas) and then move everything to Capitec (Capitec8217s forex processing via Nedbank is a pain). I told FNB to get lost 8211 as long as I pay the monthly fee on the card, and the commission on the forex, they can do nothing. Currently this is convenient for me, and the bank still gets its share. You see, the bank is only nice with you when they get a lot of money from you. When you become streetwise, they treat you like you don8217t exist. The minute Capitec manages to sort out receiving forex, then it8217s bye-bye FNB. This guy is NOT paying for the 8220privilege8221 of some platinum coloured card with 8220slow-lounge8221 access at the airport anymore. The Capitec card looks as 8220classy8221, if not better. My Fianc both repossessed house through STD bank, he didn8217t moved in to the house because the owner of the house refuse to moved out amp they promise to kill him amp his family, the community helped the owner. He go back to the bank and report matter, the bank said there is nothing they can do its not their problem its his problem, he must make a plan. Now his black listed by STD bank for the house he didn8217t even staying in to, Regarding Virgin Money 8211 i dont think the 10 interest on positive balance applies any longer. haha you can8217t even compare Capitec with Standard Bank, or any other bank for that matter. Remember this when you think of cost saving: all banks are 8220clients8221 of the reserve bank. The Bank, like you, must pay interest on money that they borrow from the reserve bank, like you. Now The Bank must pay huge amounts of intrest on their loans aswell. For eg. you have a overdraft of R30 000 but you use only R5000, now that R25 000 the bank has to have in reserve for the client. just in case he decides to use R25 000 at the last day of the month, now your interest or any fees is half of what the bank has to pay ther reserve bank this means the bank makes a loss and the client is up in arms when they reseve a their monthly bank fee. Remember like any other business, a bank is also a business that needs to make profit. its not a charity organisationSlideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. Wenn Sie fortfahren, die Website zu durchsuchen, stimmen Sie der Verwendung von Cookies auf dieser Website zu. Siehe unsere Benutzervereinbarung und Datenschutzbestimmungen. Slideshare verwendet Cookies, um Funktionalität und Leistung zu verbessern und Ihnen relevante Werbung zu bieten. Wenn Sie fortfahren, die Website zu durchsuchen, stimmen Sie der Verwendung von Cookies auf dieser Website zu. Siehe unsere Datenschutzrichtlinie und Benutzervereinbarung für Details. Explore all your favorite topics in the SlideShare app Get the SlideShare app to Save for Later even offline Continue to the mobile site Upload Login Signup Double tap to zoom out A study of cash management at standard chartered bank Share this SlideShare LinkedIn Corporation copy 2017