why can i access capitec internet banking without data?

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. So even if my Capitec card is compromised then I'm limited to the bit in the main account. You cannot draw from the Capitec sub savings accounts at an ATM. Banks are more vigilant with credit cards than with debit cards, not sure why, most probably as its essentially their money. In this way the most vulnerable is the SB credit card. * Additional have a SB account offshore and also just have internet banking and token access. * Transfer from Capitec sub account to SB as and when needed. Once you access the transact option on your Capitec App using your Cellphone, you will be able to make payments to anyone (Any Bank in South Africa) You can make prepaid purchases such as Airtime (You can choose your own amount, currently starting from R12), Data, and SMSs, either for yourself or a friend. Try and not use the Capitec card at all, just a backup should SB be off line * 95% of purchases/payments are made with SB card.

10% of funds held in main account and balance on sub savings account and or on fixed deposits. * Capitec account with no mobile banking and security token. * Standard Bank credit card which is not linked to any account, just the card on its own. The best security solution I could come up with for my personal needs are as follows:

Why can i access capitec internet banking without data?