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Mobile Banking
We know that you're pressed for time and don't always have a free moment to come in and see us. Mobile Banking offers easier and more convenient ways to manage your money and transact on your account, any time or place using your cellphone.
Need more info on our mobile banking services? Find out more below or contact us.
“Money management made even easier. ”
Mobile Banking
Mobile Banking means you can bank on the go using your cellphone to access your transaction/savings account, Savings Plan or multi loan. You don't need to pay a monthly subscription and your Mobile Banking PIN will keep all your transactions secure. No matter where you are, Mobile Banking allows you to:
- Buy airtime
- Buy electricity
- View account balances
- View last electricity token purchased
- Do multi loan withdrawals
- Pay Capitec Bank clients
- Transfer money between your accounts
- Register for SMS Update for added security
Access Mobile Banking Now
If you've already registered for Mobile Banking, dial *120*3279# to access this service. If you're out of airtime, simply dial *130*3279# to top up your cellphone free of charge! If you have any questions about our Mobile Banking, check out the FAQ below.
SMS Update
As part of our mobile banking services, you're able to get transaction notifications, including account info and card limit change notifications, conveniently by SMS for your transaction/savings account and Savings Plans.
-
Money in/out
- Choose notifications for money in, money out or both
- Choose your notification times (7am – 6pm, 5am – 10pm or 24hrs)
- Choose your notification limits for transactions above R100
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Card limit changes
- Get a notification whenever your daily withdrawal limit is changed
- Get a notification whenever your swipe limit is changed (debit MasterCard® only)
- Get a notification whenever your card-not-present limit is changed (debit MasterCard only)
SMS Balance Enquiry
To access this service, simply SMS BAL to 31646 and get an SMS with your transaction/savings account balance and available balance.
Register for Mobile Banking
If you're already a Capitec Bank client, simply pop in to your nearest branch with your Global One card and cellphone to register for mobile banking services on the go.
If you're not a Capitec Bank client, please bring the following to register for Mobile Banking:
- Your cellphone
- Identification document
- Original proof of residential address (any of the approved documents in your name with your street address)
Mobile Banking FAQs
A: There is no wait at all. Once you have successfully registered at one of our branches you can start using Mobile Banking immediately.
A: Mobile Banking offers simple, easy-to-use banking on your cellphone. Your preferences and cellphone determine the type of mobile banking services that you'll be able to access. Mobile Banking using unstructured supplementary services data (USSD) allows you to use any cellphone to access the service by dialling *120*3279# to perform banking on the go. If you don't have airtime, dial *130*3279# first to top up your airtime – your mobile network operator allows this transaction free of charge.
A: USSD (unstructured supplementary services data) is a technology similar to SMS. USSD is present on all South African GSM (global system for mobile communications) networks. It's more secure than SMS as it does not store any typed information on the cellphone. The service is session-based, which means that in each session you will be validated and transaction information can be saved.
A: The session duration is determined by the mobile network operators and typically allows you to transact within 2–3 minutes (ask your mobile network operator how long their USSD sessions last). If you've lost connection or the session times out and you've already typed information in or made a menu selection, you can continue your transaction at the point where you left off by redialling the service within 5 minutes of the disconnection or timeout.
A: This means that you've reached the time limit for a session set by your mobile network operator – this is referred to as having "timed out". If this happens and you confirmed your transaction by entering your Mobile Banking PIN, the transaction will still be processed and a SMS confirmation will be sent to you. If you've not confirmed by entering your Mobile Banking PIN yet, you can resume the transaction by dialling the service within 5 minutes.
A: Almost any cellphone that can receive and send SMSs can be used to access Mobile Banking.
A: Mobile network operators usually charge 20c for 20 seconds. You can confirm the exact cost with your mobile network operator. If you run out of airtime, dial *130*3279# to top up your own cellphone. This transaction is free of charge.
A: Mobile Banking requires you to register a Mobile Banking PIN at the branch when you register for the service. This PIN is used whenever you do a financial transaction and must NEVER be shared with anybody. If your cellphone is lost or stolen, you can suspend access to the service at your nearest branch or by calling Client Care on 0860 10 20 43. You can also change your Mobile Banking PIN at any time using Mobile Banking should it have been compromised.
A: Your Mobile Banking service is linked to a specific cellphone number. This means that once you've registered, you can only use a cellphone containing your SIM card with your verified cellphone number. If your cellphone is damaged or you replace it, you'll need to insert your SIM card with your verified cellphone number in the new cellphone.
A: Access Mobile Banking immediately and change your PIN. If you can't change your Mobile Banking PIN, suspend your Mobile Banking service immediately by visiting your nearest branch or by calling our 24hr Client Care Centre on 0860 10 20 34. Remember to keep your PIN secret and never write it down or share it with anyone, even if they claim to be Capitec Bank staff.
A: If your cellphone has been lost or stolen, you must cancel your Mobile Banking service to ensure that no one else can access your account. Please visit any of our branches or call our 24hr Client Care Centre on 0860 10 20 43.
A: To reset your Mobile Banking PIN, visit your nearest branch with an identification document or Global One card.
A: We have no control over the mobile network operators' systems and, as a result of technical issues on their systems, we may not be informed or aware of problems. This means that there could be delays in your airtime being topped up. We'll try process the transaction or reverse it the next business day after a reconciliation has been done.
A: We have no control over the municipalities' and electricity issuers' systems and, as a result of technical issues on their systems, we may not be informed or aware of problems. We'll either deliver the electricity token by SMS if we receive it or reverse your money immediately if it failed.
A: Any Capitec Bank client with a verified cellphone number (i.e. they have registered for SMS Update, Mobile Banking or Internet Banking) can be paid using only their cellphone number. Before making a payment, ask your beneficiary to confirm that they have verified their cellphone number with us.
A: Any Capitec Bank client with a verified cellphone number (i.e. they have registered for SMS Update, Mobile Banking or Internet Banking) can be paid using only their cellphone number. Before making a payment, ask your beneficiary to confirm that they have verified their cellphone number with us.
A: We can't be held liable for incorrect payments, nor can we reverse payments after they have been processed. You need to ensure that the cellphone number is correct before making a payment. A confirmation screen will be presented to you during the transaction to confirm that the details are correct before entering your Mobile Banking PIN.
A: There is no monthly subscription fee for Mobile Banking. Balance enquiries, transfers to your own linked accounts, airtime purchases, electricity purchases and viewing your last electricity token purchased are FREE. Payments to other Capitec Bank clients, and money in or money out SMSs, after registering for SMS Update on Mobile Banking, will be charged for.
A: Yes. The following daily transaction limits apply:
- Prepaid airtime up to R1 000
- Prepaid electricity up to R2 500
- Capitec Bank client payments up to R5 000
A: This is a safety mechanism to protect your account from unauthorised access. You have a maximum of 5 attempts before your Mobile Banking PIN is blocked. If your Mobile Banking PIN is blocked by accident, visit your nearest branch to reset your Mobile Banking PIN.
A: You can only view the last electricity token that you bought.
A: Mobile Banking was designed to simplify multi loan withdrawals, among other things. Mobile Banking offers new and improved multi loan access to save you time, like being able to see how much money is available before you request it. If you already have SMS multi loan, you may continue using this service until your multi loan runs out or you register for Mobile Banking.
A: We use direct airtime top-up, which means that the cellphone number you choose will be topped up directly without the need for vouchers. For the person receiving the airtime, the whole transaction is simple and no action is required of them. They will get an SMS from us confirming that their cellphone was topped up and the amount of the top-up.
A: We currently support 8ta, Cell C, MTN and Vodacom for direct airtime top-up.
A: We use direct airtime top-up, which means that voucher-based amounts don't apply. The airtime amounts have been carefully chosen for the convenience of all our clients.
A: The electricity token will be displayed on your cellphone screen and will also be sent to you by SMS.
A: Ask your local electricity provider to find out whether you qualify and, if so, how you go about receiving it.
A: Call Client Care and suspend access to the service. Then contact your mobile network operator to confirm what the issue is and restore your cellular service. You will then need to visit your nearest Capitec Bank branch to reactivate Mobile Banking. Click here for Mobile Banking safety tips and information.
A: For technical reasons beyond our control, our Mobile Banking can only be used within the borders of South Africa.
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