Open my info

my finds

remove bookmarks
    You don't have any bookmarks saved. Click the star icon on a panel to add it to your bookmarks. Your bookmark has been saved. Bookmark removed.

    bank better, live better

    stretch your holiday cash

    We tend to have more money available in December than at any other time of year. With a little clever bank better, live better, you can get through January.

    The festive season means bonuses and 13th cheques for quite a few people. This is also the time of year when people may experience the most financial pressure. Here are some tips to get more out of your holiday cash.

    Use the best way to bank

    To save time and money, use our cellphone app or dial *120*3279# to do all your banking. You can pay people and accounts, move money between your own accounts and access your credit facility anywhere 24/7.

    Read:  Why cashless banking is the best way to bank

    Track your spending

    Keeping a record of your expenses is a good habit at any time of the year, but it’s doubly important around the festive season. You can view your transaction history on the app to keep track of what you’re spending and where you’re spending it. You can also use the budget tool to create a special holiday budget.

    Read:  7 money mistakes our app can help you solve

    Do more with your bonus

    Instead of spending it all, use your bonus to pay off debt, or put it into one your 4 savings accounts for a future goal, earning from 4.75% interest.

    Read: What to do with a large cash payout

    Use credit responsibly

    Don’t take credit you may not be able to afford just to cover food and other short-term, end-of-year costs. If you can’t pay it back it will affect your credit profile and your ability to get credit again in the future.

    Read:  The benefits of using credit responsibly

    Limit the gifting

    Save your money by limiting gift costs to a fixed amount and agree that no one can buy anything over that price.

    Try: Our financial tools to help you keep your savings on track. 

    Cut food costs

    December might mean a bigger food grocery bill, but there are ways you can shop and save.

    Read: Shop and save

    Was this article helpful?

    Prevent Credit Card Fraud On Holiday With These Tips

    prevent credit card fraud on holiday

    Before grabbing your passport and heading out the door, make sure you’re aware of potential card scams in the country you’re visiting.

    Read now
    4 Scams To Avoid While On Holiday

    scams to avoid on holiday

    Here are some common scams that could be used to trick you, and handy tips to help keep your money and other valuables safe.

    Read now
    15% Off Bus Tickets with your Capitec Card

    get 15% off bus tickets

    15% off Greyhound and Citiliner bus tickets when paying with your Capitec card

    Read now
    Spoil Yourself In Sandton

    spoil yourself in sandton

    Enjoy these amazing discounts on accommodation, meals and activities in Sandton simply by using your Capitec credit or debit card

    Read now