Using older Android versions for banking is discouraged due to a lack of critical security patches, which increases the risk of financial fraud.
You do not need a flagship phone. For under R1,500 (South Africa), you can buy a second-hand device running Android 9 or 10 (e.g., Samsung A series, Huawei Y series, or Nokia 2.3). capitec apk for android 4.4.2
For users currently on Android 4.4.2, the following alternatives are recommended, listed in order of preference: Using older Android versions for banking is discouraged
Google ended security updates for KitKat in 2017. Modern banking apps rely on TLS 1.2/1.3 encryption protocols and biometric authentication, which KitKat handles poorly or not at all. Consequently, Capitec has officially discontinued support for all Android versions below 8.0. 500 (South Africa)