Transacting options
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Global One Gold Card
This debit card is linked to your Daily Savings Account, and gives you access to an international cashless payment system. Just swipe your card and enter your secret PIN for the safest, most secure payments.
- No fee on debit card purchases at retailers nationwide on point-of-sale machines.
- Pay for shopping and draw cash at any Pick n Pay, Shoprite, Checkers, PEP, Boxer or Score for only R1 per transaction.
- Draw cash at any Capitec Bank ATM for only R3.75 per transaction.
- Draw cash at another bank’s ATM for a fixed fee of R7.00 per transaction.
Download a Global One brochure
To download a PDF brochure, simply click on the link below.
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Other transactions
- Stop orders and debit orders at only R2.75 each.
Daily transaction limits
The following daily transaction limits apply to protect your funds:
- R3 000 per day at ATMs. This can be increased for a three-day period up to a maximum of R10 000 per day by visiting a branch and speaking to a consultant.
- R10 000 per day for debit card purchases.
Unbeatable bank fees
At Capitec Bank there are no hidden costs. We want clients to have a clear understanding of what they pay.
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Debit card purchases |
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| Local point-of-sale transaction |
FREE |
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| International point-of-sale transaction** |
FREE |
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Cash withdrawals (fixed fee*) |
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| Pick n Pay, Boxer or Score cashier |
1.00 |
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| Shoprite, Checkers or PEP cashier with purchase (cashback) |
1.00 |
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| Capitec Bank ATM |
3.75 |
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| Spark/Cash Axcess ATM |
3.75 |
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| Other bank ATM |
7.00 |
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| International point-of-sale** |
4.75 |
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| International ATM |
35.00 |
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Deposits |
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| Cash |
75c per R100 |
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| Cash for loan repayment |
FREE |
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| Salary cheque |
FREE |
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| Non-salary cheque |
3.75 |
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Balance enquiries |
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| Capitec Bank cashier |
FREE |
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| Capitec Bank ATM |
FREE |
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| Spark/Cash Axcess ATM |
FREE |
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| Capitec Bank merchant point-of-sale |
FREE |
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| Pick n Pay, Boxer or Score cashier |
0.40 |
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| Other bank ATM |
3.75 |
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| International ATM |
4.75 |
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| International merchant point-of-sale |
4.75 |
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Interaccount transfers (Capitec Bank cashiers and ATMs) |
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| Own linked accounts |
FREE |
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| Other Capitec Bank accounts |
2.75 |
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| Other bank accounts |
2.75 |
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Other |
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| Monthly administration |
4.50 |
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| Prepaid airtime vouchers (other banks’ ATMs) |
1.00 |
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| Account statement |
2.75 |
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| Stop order/Debit order (in branch) |
2.75 |
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| Create, amend or cancel stop order (in branch) |
3.75 |
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| Temporary/Permanent withdrawal limit increase |
4.50 |
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| Special clearance cheque |
50.00 |
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| Replace/Additional card |
30.00 |
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| PIN change |
FREE |
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| PIN reset |
2.75 |
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| Merchant point-of-sale transaction declined |
FREE |
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| Capitec Bank ATM withdrawal declined (insufficient funds) |
FREE |
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| Other bank ATM withdrawal declined (insufficient funds) |
3.75 |
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| International ATM withdrawal declined (insufficient funds) |
4.75 |
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| International merchant point-of-sale transaction declined |
4.75 |
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| Returned debit order |
3.75 |
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| Reversed debit order on request (last 40 days) |
3.75 |
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| Reversed debit order on request (after 40 days) |
15.00 |
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| Cheque deposit: returned cheque |
60.00 |
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| Late recall of transfer to Capitec Bank account (per transaction) |
3.75 |
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| Late recall of transfer to other bank account (per transaction) |
90.00 |
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Open an account
To pay the lowest transaction fees, visit your nearest branch with your:
- South African ID book
- Proof of residence (for example, a municipal rates and taxes account in your name with your street address, not older than 3 months).
Financial Intelligence Centre Act [ 283KB ]
