Why do you bank with who you do?

[wintrybelle]

Hi everyone

This might not be entirely relevant for PFZA, but I’m thinking about switching banks and between fees, rewards, lounge access etc., there’s a lot of options. Got me wondering why people choose the account they do.

So, would love to know who you bank with, why you bank with them, and who you’d recommend

Thanks!

 

[christysam74]

@wintrybelle Bank with FNB because they suckered me in when we were in final year.
Their app is great and all.
But their private bankers all suck, poor response times, hardly assist with anything, I get the feeling they don’t really prioritise you unless you are at the top of the financial bracket there.

 

[resjudicata]

@christysam74 No, they are useless across the board. I had a private wealth account with them, and left because of poor service and useless private bankers. The treatment is the same no matter your tier.

 

[resjudicata]

@christysam74 I had the same experience with their private clients offering. Downgraded and havent missed it. If you want private banking you have to go with a private bank, simple.

 

[autisticchristianknight]

@christysam74 also please don't take their sim card. You have to go to a bank branch to cancel even though it's prepaid

it also seems to based on cellc (i think) so it goes down after 1 hour of load shedding

 

[christysam74]

@autisticchristianknight one of the worst experiences ever. I made that mistake.
Took forever to migrate out of their network

 

[autisticchristianknight]

@christysam74 You did it too? lol. They got me because of their lower data costs. But what's the point of cheap data if you can't even use it when it's most useful?

What was your experience with the network?

 

[christysam74]

@autisticchristianknight Yes I absolutely got suckered into it. Tried to get out of the sim and it took forever because they wouldn’t release my number.
Network was always crap, too many dead spots, sometimes I’d be on E for like half the day or I’d have to roam to get decent signal.
It was poor. Also, the data contracts are very far behind,. Which was the main reason I got out ASAP.
I’ve had this Vodacom 299 for 90Gb data for 4 years now, with FNB there was nothing comparable at app

 

[primecutlawn77]

@autisticchristianknight A whole hour?! MTN in my area is one with load shedding.

 

[ashleycoe89]

@primecutlawn77 Mee too. Used to be with mtn. Now with cellc and couldnt be happier since.

We actually did have 3g issues during load shedding with cellc too. Opened a ticket and it got resolved. Maybe even got our tower upgraded i dont know the details. So 2 months of problems with the rest of 10 years... im happy.

 

[carol91]

@autisticchristianknight It's one of the 16 or more MVNOs that Cell C has operating in the wild on their "infrastructure" that is piggybacking on MTN essentially.

 

[resjudicata]

@christysam74 You're allowed to request a new private banker if you're not happy with the current one. Log a complaint so they can address it as well

 

[tavernofruin]

@christysam74 Send a complaint to [care@fnb.co.za](mailto:care@fnb.co.za).

I've had issues with my private banker declining/not answering calls, taking days to respond to emails etc.

1 email to those guys and he responds immediately now.

Just jack them up and demand the service you were sold.

 

[kelsa99]

@wintrybelle Capitec and Discovery, it is all about limiting fees for me.

Capitec - cheapest fee that has access to a credit card AFAIK. Their cashback is also actual cash as opposed to points. So it is well positioned at 1.5% cashback.

Would recommend Capitec as a brick-and-mortar banking option, as you'll be in and out of a branch in a few minutes as long as you don't go at peak times. Had horrid wait times at Standard Bank branches for student and car loans back in the day. Even with private banking back.

Would recommend Capitec as a brick and mortar banking option, as you'll be in and out of a branch ina few minutes as long as you don't go at peak times. Had horrid wait times at Standard Bank branches for student and car loans back in the day. Even with private banking back.

 

[autisticchristianknight]

@kelsa99 FNB centurion also gets very busy. One time I had to wait 2 hours in line because their FICA system decided to blacklist me TWICE even though I submitted all documents

 

[william1948]

@wintrybelle I'm with standard bank because I hate myself and they trapped me in primary school.