Yes and Standard bank. The best security solution I could come up with for my personal needs are as follows:
* Standard Bank credit card which is not linked to any account, just the card on its own. R10,000 limit.
* Capitec account with no mobile banking and security token. 10% of funds held in main account and balance on sub savings account and or on fixed deposits.
* 95% of purchases/payments are made with SB card. Try and not use the Capitec card at all, just a backup should SB be off line
* Transfer [internet] from Capitec sub account to SB as and when needed.
* Additional have a SB account offshore and also just have internet banking and token access. Not linked to local SB credit card.
In this way the most vulnerable is the SB credit card. Banks are more vigilant with credit cards than with debit cards, not sure why, most probably as its essentially their money. Max I can get shafted for is R10,000.
You cannot draw from the Capitec sub savings accounts at an ATM. So even if my Capitec card is compromised then I'm limited to the bit in the main account. If funds disappear out of the sub savings then we have a clear inside job and Capitec will have to explain what happened as there is no way to access those funds except if their tokens were compromised and or somebody inside move the funds to the main account.
Not perfect but above works for me.