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    fica documents info

    As an accountable institution, we must comply with Financial Intelligence Centre Act (FICA) requirements. This means that for identification and verification purposes, clients must provide us with certain personal information and documents to open an account.

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    1. Original identification document


    Download our full FICA flyer for the most current requirements for a minor*, or contact our Client Care Centre on 0860 10 20 43 for more information. 

    We accept any of the following documents to verify identity.

    South African citizen/resident



    Valid Green Barcoded  ID/Smart ID card/SA passport

    Abridged/unabridged birth certificate of minor/court order/guardian appointment letter from the Master of the High Court

    Adult YES NO
    Minor (under 16 years)*

    NO

    YES

    Parent (for minor)*

    YES

    NO

    Guardian (for minor)*

    YES

    NO
    Supplementary cardholder YES NO

    Foreign national

    .


    Valid Foreign Passport Valid permanent residence Original Salary Slip/Employer letter
    Adult YES YES YES
    Minor (under 16)* YES NA NO
    Parent (for minor)* YES YES YES
    Guardian
    (for minor)*
    YES YES YES
    Supplementary cardholder YES YES YES

    2. Original proof of residential address


    We accept any of these documents with the date, your full name and/or initials, surname and your complete South African residential address.

    ATM printout (from another bank)

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • This account at another bank must be active

    Bank statement (from another bank)

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • This account at another bank must be active
    • An over-the-counter statement must contain the bank’s official stamp

    Body corporate or share block correspondence

    Age (Months)PostEmailCounter
    Up to 3 monthsYESNOYES

    Cellphone account

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • E.g. Vodacom, MTN, Cell C

    Councillor letter

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • The letter must be on a municipality letterhead
    • The letter must contain an official stamp from the municipality
    • The letter must contain the signature of the councillor
    • Proof of employment or pensioner status must also be provided

    Document issued in the name of a trust

    Age (months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • Letters of authority as issued by the Master of the High Court
    • FICA Declaration form to be completed by any of the listed trustees (up to 3 months)

    • Copy of the identification document of the trustee who completed the FICA Declaration form

    • Original residential address verification document issued in the name of the trust (that matches any acceptable document listed)

    Electronic statement

    Age (Months)PostEmailCounter
    Up to 3 monthsNOYESNO

    • Must be printed on an official letterhead or include the recognisable logo and information of the organisation (may not be emailed to a Capitec Bank branch)

    Employer confirmation letter

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • An employee must live on employer’s premises or live on the premises owned by the employer
    • The letter must be on an official company letterhead
    • The letter must include the signature of the employer

    FICA Declaration form

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • This form can be used if you are unable to provide any other type of proof of residential address listed here, and you live with someone who can provide this proof (e.g. spouse, family)

    • The declarer must complete the FICA Declaration form

    • The declarer must include a copy of their ID and an original proof of residential address document

    • Get this form at any of our branches or our you can download it here.

    Home loan statement (from another bank)

    Age (Months)PostEmailCounter
    Up to 6 monthsYESYESYES

    • An over-the-counter statement must include the bank’s official stamp

    Insurance policy document

    Age (Months)PostEmailCounter
    Up to 12 monthsYESYESYES

    IRP5 certificate

    Age (Months)PostEmailCounter
    Up to 12 monthsYESYESYES

    Motor vehicle licence document

    Age (Months)PostEmailCounter
    Up to 12 monthsYESNOYES

    • E.g. motor vehicle licence document notification, renewal notification or traffic fine

    Rates and taxes (utility) account

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • An over-the-counter account must be on a municipality letterhead and contain the official stamp from the municipality

    Rental or lease agreement

    Age (Months)PostEmailCounter
    Up to 12 monthsYESNOYES

    • Must include the physical address where you currently live and must be signed within the prescribed 12-month validity period

    Retail credit account

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • E.g. Edgars, Woolworths, Jet

    Salary slip or advice

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    Student registration letter

    Any other communication from a tertiary institution that’s posted to your residential address, indicating that you are a registered student, may be accepted

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • Any other communication from a tertiary institution, indicating that you are a registered student, may be accepted

    Tax return or any official document issued by SARS on their letterhead

    Age (Months)PostEmailCounter
    Up to 12 monthsYESYESYES

    Telkom account (or any other fixed-line service provider)

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    Third-party account statement

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • The document must be on an official letterhead or bear the recognisable logo and information of the organisation, e.g. doctor's account, MultiChoice account

    Tribal village or traditional authority letter

    Age (Months)PostEmailCounter
    Up to 3 monthsYESYESYES

    • The letter must contain confirmation that you live on the communal property that is under control of the traditional authority
    • The letter must include the signature and stamp of the designated official

    • In addition to the tribal village letter or traditional authority letter, proof of your employment or pensioner status must be provided

    TV licence or card

    Age (Months)PostEmailCounter
    Up to 12 monthsYESNONO

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