Capitec Bank’s Customer Care Services: phone number and email address & WhatsApp

Capitec Bank’s Customer Care is impressively available 24 hours a day, 7 days a week for most support channels—including phone and WhatsApp—for both personal and business banking queries

Here’s a quick breakdown:

Personal Banking Client Care Centre

• Phone: 0860 10 20 43
• WhatsApp: 067 418 9565
• Availability: 24/7

Business Banking Support

• General Queries:
  • Phone: 0860 30 92 50
  • Hours: Mon–Fri: 6:30am–7pm, Sat: 8am–12pm
• Lost/Stolen Business Card & Merchant Support:
  • Phone: 0860 30 92 50 (Option 1)
  • Merchant Line: 0860 66 77 06
  • Email:MerchantSupport@capitecbank.co.za
  • Availability: 24/7

Read: How to contact Absa customer care service and register for ChatWallet

What information should I have ready when contacting Capitec Bank Customer Care?

To make your interaction with Capitec Bank Customer Care smooth and efficient, it’s best to have the following details ready before you reach out:

Personal Identification

• Your South African ID number or passport number (if applicable)
• Full name as registered with Capitec
• Date of birth

Account Information

• Your Capitec account number
• Type of account (e.g., savings, business, credit)
• Any recent transaction details if you’re querying a specific issue

Contact Details

• Your registered mobile number and email address
• If you’re using WhatsApp or the Capitec app, make sure it’s linked to your account

Security Verification

• Be prepared to answer security questions (e.g., last transaction amount, debit order details)
• Never share your PIN or online banking password—Capitec will never ask for these

Supporting Info (if applicable)

• Screenshots or reference numbers for app issues or transaction errors
• Details of any suspicious activity or fraud you’re reporting

Read: Nedbank Cellphone Banking: How to register, transfer money and paybills

Issues Resolved By Capitec Bank’s Customer Service

Capitec Bank’s Customer Service team handles a wide range of issues across personal and business banking. While experiences vary, here’s a breakdown of the most commonly resolved issues—and a few that sometimes require escalation:

These are typically handled quickly and efficiently:

• Account Access Problems
  • Password resets, app login issues, and blocked accounts
• Transaction Queries
  • Reversals, duplicate charges, failed transfers, and debit order disputes
• Card Services
  • Lost/stolen card reporting, card activation, and PIN resets
• Mobile App Support
  • Technical glitches, update errors, and biometric login issues
• Loan and Credit Queries
  • Payment arrangements, balance inquiries, and settlement letters
• Merchant Support
  • POS terminal issues, settlement delays, and transaction disputes
• ATM Issues
  • Failed withdrawals, swallowed cards, and cash deposit errors

Issues That May Require Escalation

Some users report delays or unresolved concerns, especially in these areas:

• Delayed Resolution of Online Payment Failures
  • Some complaints mention long wait times and lack of follow-up
• ATM Malfunctions with Cash Deposits
  • Cases where cash was swallowed without confirmation or slip
• New Security Features (e.g., Selfie Verification)
  • Frustration with facial recognition glitches affecting account access
• General Complaint Handling
  • A portion of users say queries can take over a week to resolve