You can buy a certified pre-owned Android phone running Android 8.0 (Oreo) or later for as little as R500–R800. Compare that to the risk of losing your entire bank balance.
Using banking services on Android 4.4.2 poses a High Critical Risk for the following reasons: capitec apk for android 4.4.2
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). You can buy a certified pre-owned Android phone
Verdict: Installing an old Capitec APK on Android 4.4.2 is a technical exercise in futility. You will not be able to view balances, transfer money, or get a live OTP. Even if an older APK file is located
Even if an older APK file is located and installed (sideloaded) on an Android 4.4.2 device, the following issues are expected: