WesBank
Verified Business
Scores reflect the Overall AI Score for each category
AI Review Summary
Based on recent customer reviews, WesBank consistently receives overwhelmingly negative feedback across virtually all service dimensions. Customers repeatedly describe communication breakdowns, unauthorized debits after account settlement, prolonged refund delays, and dismissive or rude agents. While a handful of reviews praise specific consultants by name, the dominant pattern reflects systemic failures in responsiveness, billing accuracy, process management, and transparency.
Top Strengths:
- •Customer Service & Professional Guidance: A small number of customers name specific agents like Valentia Letsholo, Nistashia, Themba Nkabinde, Gino Saunders, and Gadinewe Dikome as patient, professional, and genuinely helpful, offering rare bright spots.
Service Quality Ratings
MetricScoreIndustry AvgBest in Class
Performance(last 12 months):
2.6Trustindex Rating
#17Ranked In Loans & Credit
8 hours 8 minutesAverage Time To Reply
-62 NPSRecommended: Unlikely
Replied to 87% of negative reviews
Typically takes less than 7 hours 57 min to reply
TrustIndex
2.6
Score
Ranking
#17
in Loans & Credit
Avg Reply
8 hours 8 minutes
NPS Score
-62
Recommended: Unlikely
Replied to 87% of negative reviews
Typically takes less than 7 hours 57 min to reply
Review Distribution
1.2|361 Reviews
May '25 - Apr '26
5(3.5%)
4(1.5%)
3(1.2%)
2(5.6%)
1(88.2%)
5(3.5%)
4(1.5%)
3(1.2%)
2(5.6%)
1(88.2%)
Recent reviews (361)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperiencePopular mentions
FVDW
Ferdi Van Der Westhuizen
1 reviews | Active since Jan 2020
18 Mar 2026, 08:52
Had very good servic...
Had very good service from Shannon Lee Markham, helped me to close my account
Helpful (0)
|Replies (0)FVDW
Ferdi Van Der Westhuizen
1 reviews | Active since Jan 2020
18 Mar 2026, 08:52
Had very good servic...
Had very good service from Shannon Lee Markham, helped me to close my account
0
Replies (0)AA
Anonymous A
1 reviews | Active since Jan 2020
17 Mar 2026, 08:17
FORMAL COMPLAINT TO WESBANK REGARDING RISIMA SHARED SERVICES AND ******** COLLECTION ACTIVITY
To: WesBank Customer Complaints / WesBank Legal Department From: Miss JK Matau Account Number: 85277376640 Dear WesBank, I am submitting this formal complaint regarding the handling of my vehicle finance account and the ongoing ******** and unprofessional conduct of Risima, the external debt collector appointed by WesBank. Despite my dispute being formally logged and acknowledged, the issues raised have not been addressed, and I continue to receive collection follow‑ups without any compliance with the National Credit Act or the Debt Collectors Act. This complaint is directed at WesBank because Risima acts on your instruction, and the errors, omissions, and harassment arise from WesBank’s actions and lack of oversight. 1. ******** Reconstruction of Account Balance (6 September 2024) Risima’s statement reflects the following entries on the same day: BAD DEBT WRITE‑OFF: R204 567.92 (CR) BAD DEBT OPENING BALANCE: R182 261.56 (DR) This constitutes an irregular and ******** balance reconstruction because: No reconciliation explaining the R182 261.56 was provided No audited legal cost breakdown was provided No court order or taxed bill of costs was supp**** No post‑judgment interest calculation was supp**** No WesBank authority approving this new balance has been given This reconstruction is both procedurally and legally defective, and I dispute it in full. 2. Legal Fees Charged Without Taxed Bills (********) The following amounts appear on the statement: R5 450.75 (14/03/2022) R4 168.75 (14/09/2023) R2 269.53 (26/01/2024) R6 479.07 (09/02/2024) These fees are not payable unless supported by: A Taxed Bill of Costs Sheriff warrants & returns (post‑judgment) Underlying attorney invoices To date, none have been supp****. This is ******** and constitutes inflated and unverified legal charges, prohibited under the NCA and Magistrates’ Court Rules. 3. Value‑Added Products Charged After Judgment — ******* Extended Warranty, Tracker, Bodyline Maintenance, CoverPlus, and other VAP fees cannot legally accrue after the judgment date, which was 24 July 2023. Any such charges after this date must be reversed. 4. WesBank’s Appointed Collector Violating the Law Although Risima confirmed the following in writing: My dispute is logged The account is on hold All collection activity is suspended They continue following up repeatedly, pressuring me for payment without providing any of the legal documents requested. This constitutes: Harassment Contravention of the NCA Contravention of the Debt Collectors Act Attempting to collect a disputed and unverified amount Breach of their own written confirmation As the creditor, WesBank is liable for the conduct of its appointed representatives. 5. Documents Requested (Still Not Provided) I again request WesBank to urgently provide: Full account reconciliation explaining the “Bad Debt Opening Balance” Taxed Bills of Costs for every legal fee Sheriff warrants & returns (if applicable) Post‑judgment interest calculation sheet Written internal approval from WesBank’s legal department for the reconstructed balance These documents are mandatory and must be provided before any collection activity can resume. 6. Required Action from WesBank I request that WesBank: A. Immediately intervene and instruct Risima to stop all follow‑ups until full compliance is met. B. Provide the complete documentation listed above within 10 business days. C. Confirm that: No further collection attempts will be made, No negative credit bureau reporting will occur, No new interest or fees will be added while the matter remains in dispute. 7. Escalation Notice If WesBank fails to resolve this matter, I will escalate to: The Ombudsman for Banking Services (OBS) The National Credit Regulator (NCR) The Credit Ombud Conclusion WesBank must take accountability for the incorrect balance reconstruction, unverified legal fees, and ******** conduct by its appointed debt collector. I request urgent senior‑level intervention and a written response addressing all items raised. Sincerely, Miss JK Matau
Helpful (0)
|Replies (0)AA
Anonymous A
1 reviews | Active since Jan 2020
17 Mar 2026, 08:17
FORMAL COMPLAINT TO WESBANK REGARDING RISIMA SHARED SERVICES AND ******** COLLECTION ACTIVITY
To: WesBank Customer Complaints / WesBank Legal Department From: Miss JK Matau Account Number: 85277376640 Dear WesBank, I am submitting this formal complaint regarding the handling of my vehicle finance account and the ongoing ******** and unprofessional conduct of Risima, the external debt collector appointed by WesBank. Despite my dispute being formally logged and acknowledged, the issues raised have not been addressed, and I continue to receive collection follow‑ups without any compliance with the National Credit Act or the Debt Collectors Act. This complaint is directed at WesBank because Risima acts on your instruction, and the errors, omissions, and harassment arise from WesBank’s actions and lack of oversight. 1. ******** Reconstruction of Account Balance (6 September 2024) Risima’s statement reflects the following entries on the same day: BAD DEBT WRITE‑OFF: R204 567.92 (CR) BAD DEBT OPENING BALANCE: R182 261.56 (DR) This constitutes an irregular and ******** balance reconstruction because: No reconciliation explaining the R182 261.56 was provided No audited legal cost breakdown was provided No court order or taxed bill of costs was supp**** No post‑judgment interest calculation was supp**** No WesBank authority approving this new balance has been given This reconstruction is both procedurally and legally defective, and I dispute it in full. 2. Legal Fees Charged Without Taxed Bills (********) The following amounts appear on the statement: R5 450.75 (14/03/2022) R4 168.75 (14/09/2023) R2 269.53 (26/01/2024) R6 479.07 (09/02/2024) These fees are not payable unless supported by: A Taxed Bill of Costs Sheriff warrants & returns (post‑judgment) Underlying attorney invoices To date, none have been supp****. This is ******** and constitutes inflated and unverified legal charges, prohibited under the NCA and Magistrates’ Court Rules. 3. Value‑Added Products Charged After Judgment — ******* Extended Warranty, Tracker, Bodyline Maintenance, CoverPlus, and other VAP fees cannot legally accrue after the judgment date, which was 24 July 2023. Any such charges after this date must be reversed. 4. WesBank’s Appointed Collector Violating the Law Although Risima confirmed the following in writing: My dispute is logged The account is on hold All collection activity is suspended They continue following up repeatedly, pressuring me for payment without providing any of the legal documents requested. This constitutes: Harassment Contravention of the NCA Contravention of the Debt Collectors Act Attempting to collect a disputed and unverified amount Breach of their own written confirmation As the creditor, WesBank is liable for the conduct of its appointed representatives. 5. Documents Requested (Still Not Provided) I again request WesBank to urgently provide: Full account reconciliation explaining the “Bad Debt Opening Balance” Taxed Bills of Costs for every legal fee Sheriff warrants & returns (if applicable) Post‑judgment interest calculation sheet Written internal approval from WesBank’s legal department for the reconstructed balance These documents are mandatory and must be provided before any collection activity can resume. 6. Required Action from WesBank I request that WesBank: A. Immediately intervene and instruct Risima to stop all follow‑ups until full compliance is met. B. Provide the complete documentation listed above within 10 business days. C. Confirm that: No further collection attempts will be made, No negative credit bureau reporting will occur, No new interest or fees will be added while the matter remains in dispute. 7. Escalation Notice If WesBank fails to resolve this matter, I will escalate to: The Ombudsman for Banking Services (OBS) The National Credit Regulator (NCR) The Credit Ombud Conclusion WesBank must take accountability for the incorrect balance reconstruction, unverified legal fees, and ******** conduct by its appointed debt collector. I request urgent senior‑level intervention and a written response addressing all items raised. Sincerely, Miss JK Matau
0
Replies (0)AB
Anneke B
1 reviews | Active since Jan 2020
16 Mar 2026, 12:35
I just called in to query a settlement which was done on a vehicle. The consultant named Delroy got so irritated with me and I was nothing but polite until he pushed too far. I have never dealt with a Wesbank consultant who is so intentionally abrubt.
How can we NOT help you... What happened to good service??
Helpful (0)
|Replies (0)AB
Anneke B
1 reviews | Active since Jan 2020
16 Mar 2026, 12:35
I just called in to query a settlement which was done on a vehicle. The consultant named Delroy got so irritated with me and I was nothing but polite until he pushed too far. I have never dealt with a Wesbank consultant who is so intentionally abrubt.
How can we NOT help you... What happened to good service??
0
Replies (0)SA
Shah A
1 reviews | Active since Jan 2020
16 Mar 2026, 09:24
Wesbank still holds South African Clients Hostage even in Prescribed Debt due to Covid-19
Wesbank Does not follow the South African Business Practices and have become beyond the Law. I write to express my concern regarding the outstanding issue with my vehicle papers. Despite multiple requests, WesBank has failed to provide the necessary documentation, effectively rendering the vehicle unusable. As you are aware, the account was written off as prescribed debt, implying that the debt has been settled. I kindly request that WesBank takes immediate action to release the vehicle papers to facilitate the transfer of ownership. I would like to highlight that: - I have made payments for 5 years and was only 3 months in arrears due to COVID-19 and company liquidation, which was communicated to WesBank. - The account has been written off, and I am entitled to the vehicle papers. - I believe it is in WesBank's interest to resolve this matter amicably to avoid unnecessary scrutiny from the South African public and regulatory bodies. Given the number of consumers who may be facing similar issues, I intend to highlight WesBank's practices to the relevant authorities and media outlets, ensuring that the public is aware of the challenges faced by consumers. I request that WesBank: 1. Process the release of the vehicle papers within 7 working days. 2. Confirm in writing that the account has been settled. I trust that WesBank will take this opportunity to demonstrate its commitment to fair and transparent practices. Please find the details below: - Account Number: 85277041122 - Vehicle: 2009 JAGUAR XF 3.0 V6 LUXURY Yours sincerely, cc: National Credit Regulator (NCR)
Helpful (0)
|Replies (0)SA
Shah A
1 reviews | Active since Jan 2020
16 Mar 2026, 09:24
Wesbank still holds South African Clients Hostage even in Prescribed Debt due to Covid-19
Wesbank Does not follow the South African Business Practices and have become beyond the Law. I write to express my concern regarding the outstanding issue with my vehicle papers. Despite multiple requests, WesBank has failed to provide the necessary documentation, effectively rendering the vehicle unusable. As you are aware, the account was written off as prescribed debt, implying that the debt has been settled. I kindly request that WesBank takes immediate action to release the vehicle papers to facilitate the transfer of ownership. I would like to highlight that: - I have made payments for 5 years and was only 3 months in arrears due to COVID-19 and company liquidation, which was communicated to WesBank. - The account has been written off, and I am entitled to the vehicle papers. - I believe it is in WesBank's interest to resolve this matter amicably to avoid unnecessary scrutiny from the South African public and regulatory bodies. Given the number of consumers who may be facing similar issues, I intend to highlight WesBank's practices to the relevant authorities and media outlets, ensuring that the public is aware of the challenges faced by consumers. I request that WesBank: 1. Process the release of the vehicle papers within 7 working days. 2. Confirm in writing that the account has been settled. I trust that WesBank will take this opportunity to demonstrate its commitment to fair and transparent practices. Please find the details below: - Account Number: 85277041122 - Vehicle: 2009 JAGUAR XF 3.0 V6 LUXURY Yours sincerely, cc: National Credit Regulator (NCR)
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Replies (0)DR
AM
Alice M
1 reviews | Active since Jan 2020
13 Mar 2026, 03:46
Great service from WESBANK
I had a very exceptional service from WESBANK. I could not settle the balance owed in my account in 7 days as prescribed however the 30% discount was still validated even in 5-week period. I really appreciate the grace and service from Gadinewe, complaints department.
Helpful (0)
|Replies (0)AM
Alice M
1 reviews | Active since Jan 2020
13 Mar 2026, 03:46
Great service from WESBANK
I had a very exceptional service from WESBANK. I could not settle the balance owed in my account in 7 days as prescribed however the 30% discount was still validated even in 5-week period. I really appreciate the grace and service from Gadinewe, complaints department.
0
Replies (0)PS
Patricia S
1 reviews | Active since Jan 2020
12 Mar 2026, 06:02
They delaying to pay...
They delaying to pay off my shortfall and telling me that there's a possibility of not making payment.
Helpful (0)
|Replies (0)PS
Patricia S
1 reviews | Active since Jan 2020
12 Mar 2026, 06:02
They delaying to pay...
They delaying to pay off my shortfall and telling me that there's a possibility of not making payment.
0
Replies (0)jM
janine M
1 reviews | Active since Jan 2020
10 Mar 2026, 19:43
Same Bank, Multiple Interest Rates – And Apparently Cash Is No Longer King
I am currently in the process of purchasing a vehicle through Omoda Alberton and financing through Wesbank , and the experience has left me questioning how the system actually works for consumers. The dealership initially submitted my application through their F&I department and received a rate from WesBank. As an FNB Private Client who does ALL my banking with the group (including my home loan), I decided to also approach WesBank directly to see whether I could obtain a better rate. I am such a loyal FNB person I even convinced our company to switch to FNB Interestingly, I did receive a better interest rate directly from WesBank than the one initially presented through the dealership. However, the dealership then indicated that if I proceed with my own financing directly with the bank, I will lose the negotiated vehicle discounts on this demo model because the finance would not be processed through their F&I department. In other words, the consumer is placed in a position where arranging your own finance may cost you the discount on the vehicle, presumably because commissions on the finance deal are affected. What became even more confusing is the following sequence: • The dealership initially obtained one interest rate from WesBank • I obtained a better rate directly from WesBank • The dealership then went back and obtained another different rate from WesBank • After that, the new offer I received directly from WesBank was suddenly higher again. At this stage we have multiple different interest rates from the same bank, for the same applicant, for the same vehicle, within the same transaction and same dealership. To be fair, I must specifically acknowledge Rebone from WesBank, who has been extremely helpful and has genuinely tried to assist me through the process. Unfortunately it seems that internal systems and dealership structures limit what can actually be done once applications are loaded into the system. Another interesting observation for consumers: It appears cash is no longer king in the motor industry. Paying cash actually results in paying more for the vehicle, while financing through certain channels appears to unlock discounts. That feels somewhat counter-intuitive for many buyers. From a consumer perspective this situation also raises a broader question around transparency. If the same bank can issue different interest rates for the same deal depending on how the application is submitted, it becomes difficult for customers to know whether they are truly receiving the best available rate or whether intermediary structures influence the outcome. Plus it's more of you fix it and that differs too. WesBank has built its reputation over decades as one of South Africa’s leading asset-based finance providers and promotes customer-focused values. I am hopeful that this matter can be resolved fairly so that: 1. The best available interest rate offered by WesBank is honoured. 2. The vehicle discounts already negotiated remain in place. 3. The transaction can proceed transparently without the consumer being penalised for engaging directly with the bank. As a consumer this experience highlights the importance of transparency in vehicle finance. If different rates can be produced by the same bank for the same applicant and vehicle depending on whether the application is submitted through a dealership F&I office or directly with the bank, it becomes very difficult for customers to know whether they are truly receiving the most competitive rate available. I trust that Wesbank, FNB and Omoda Alberton can assist in resolving this matter constructively so that the deal can proceed fairly for all parties involved.
Helpful (0)
|Replies (0)jM
janine M
1 reviews | Active since Jan 2020
10 Mar 2026, 19:43
Same Bank, Multiple Interest Rates – And Apparently Cash Is No Longer King
I am currently in the process of purchasing a vehicle through Omoda Alberton and financing through Wesbank , and the experience has left me questioning how the system actually works for consumers. The dealership initially submitted my application through their F&I department and received a rate from WesBank. As an FNB Private Client who does ALL my banking with the group (including my home loan), I decided to also approach WesBank directly to see whether I could obtain a better rate. I am such a loyal FNB person I even convinced our company to switch to FNB Interestingly, I did receive a better interest rate directly from WesBank than the one initially presented through the dealership. However, the dealership then indicated that if I proceed with my own financing directly with the bank, I will lose the negotiated vehicle discounts on this demo model because the finance would not be processed through their F&I department. In other words, the consumer is placed in a position where arranging your own finance may cost you the discount on the vehicle, presumably because commissions on the finance deal are affected. What became even more confusing is the following sequence: • The dealership initially obtained one interest rate from WesBank • I obtained a better rate directly from WesBank • The dealership then went back and obtained another different rate from WesBank • After that, the new offer I received directly from WesBank was suddenly higher again. At this stage we have multiple different interest rates from the same bank, for the same applicant, for the same vehicle, within the same transaction and same dealership. To be fair, I must specifically acknowledge Rebone from WesBank, who has been extremely helpful and has genuinely tried to assist me through the process. Unfortunately it seems that internal systems and dealership structures limit what can actually be done once applications are loaded into the system. Another interesting observation for consumers: It appears cash is no longer king in the motor industry. Paying cash actually results in paying more for the vehicle, while financing through certain channels appears to unlock discounts. That feels somewhat counter-intuitive for many buyers. From a consumer perspective this situation also raises a broader question around transparency. If the same bank can issue different interest rates for the same deal depending on how the application is submitted, it becomes difficult for customers to know whether they are truly receiving the best available rate or whether intermediary structures influence the outcome. Plus it's more of you fix it and that differs too. WesBank has built its reputation over decades as one of South Africa’s leading asset-based finance providers and promotes customer-focused values. I am hopeful that this matter can be resolved fairly so that: 1. The best available interest rate offered by WesBank is honoured. 2. The vehicle discounts already negotiated remain in place. 3. The transaction can proceed transparently without the consumer being penalised for engaging directly with the bank. As a consumer this experience highlights the importance of transparency in vehicle finance. If different rates can be produced by the same bank for the same applicant and vehicle depending on whether the application is submitted through a dealership F&I office or directly with the bank, it becomes very difficult for customers to know whether they are truly receiving the most competitive rate available. I trust that Wesbank, FNB and Omoda Alberton can assist in resolving this matter constructively so that the deal can proceed fairly for all parties involved.
0
Replies (0)