Wow Pap_sak, you are obviously VERY happy with Capitec. Funny, I've never even considered them.

(You see, growing up in a small town, you never realize that there's life beyond "Volkskas". It took enormous courage way back to break with Volkskas and move to Trust Bank... only to end up back in the same friggin pot again! Hehehe. But for some reason I've never considered any bank other than the obvious household names ... Absa, Standard, FNB, Nedbank)

It's time I opened my mind a bit! Was it not Capitec that launched that marketing campaign a while back to show how their bank charges are the lowest, since they do not occupy extravagant premisses?