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    bank better, live better

    what you should know before travelling

    Whether you’re looking for an affordable, local holiday or a once-in-a-lifetime international holiday, you can make your dream trip happen.

    What you should know before travelling

    In the first article of this 3-part series, we helped you narrow down where and how you’d like to travel. By now you should also have drawn up a budget and have a good idea of how much you can afford to spend. Now it’s time to start planning your trip. Remember, planning a memorable holiday requires doing enough research and comparing your options.

    Package deals

    Semi- or all-inclusive options are a good choice for families and travellers who are not sure how to go about booking a holiday independently – there’s also a lot less admin involved.

    When looking at package deals, read the fine print carefully to see what’s included or excluded, the basics to look out for include:

    • Flights 
    • Airport transfers 
    • Accommodation 
    • Meals

    Also keep in mind that off-season or “shoulder season” (spring and autumn) prices are generally lower than peak season.

    Tip 1: Check the weather – you often find discounted package deals over the rainy season in places like Thailand, Zanzibar or Bali.

    Tip 2: Often “all inclusive” deals only cover specific meals and drinks. Those cocktails that aren’t covered by a package deal can quickly add up and break your travel bank. So remember to set aside some extra cash to enjoy an evening out. 

    Tip 3: Budget for tips for service staff – usually 10% to 20% of your bill. While no one can force you to tip, it is a good thing to leave something. Eat out at affordable local restaurants instead of at your hotel. You can also explore takeaway options or trying local street food vendors to save on your bill.

    Keep an eye on our dedicated Travelstart page for discounted holiday packages exclusive to Capitec clients. You can also save R100 on domestic flights and R400 on international flights when you book and pay with your activated Capitec card.

    Independent travel

    If you’re not interested in getting a travel package, you could make all the travel arrangements yourself. This can be tricky, but can save you money if you know what to look out for.


    Flights can be booked online directly from the airline. You may need to have a valid credit card, so if you earn R3 000 or more, consider applying for one with us. Once you have your card ready, remember to set your limits for online shopping before using it online.

    Tip: Airlines and travel sites can record your visits by installing cookies on your browser. This is to trick you into buying your flights sooner and encourage impulse buying by raising the prices shown with each visit. To avoid this, switch to private browsing whenever you book flights. Also keep in mind that travel time, seat category, layovers and your travel dates all influence the price of your ticket.

    Car hire

    Hiring a car can be a great way to save money while travelling. It can also be cheaper than taxis if you’re a small group who can split the cost. But remember, to legally drive overseas you’ll need an international driving permit.

    Tip: You can save 10% on your car rental price in 53 000 locations worldwide when you book and pay with your Capitec card on our dedicated booking page.

    Bus tickets

    For affordable, no-frills local travel, nothing beats going by bus. It does take more time than flying, but it’s reliable, convenient and won’t cost a fortune. 

    Tip: Use your Capitec debit or credit card to buy a Greyhound or Citiliner bus ticket online, through their call centre or at a Greyhound kiosk between 1 February and 13 March and immediately get a 20% discount. After 13 March and the standard 15% discount will apply. Read more here.


    When it comes to accommodation and finding a hotel, do research. Look for online reviews from previous visitors to ensure that what is advertised is actually what you’ll get. Also visit the hotel’s website to see if you can book discounted deals directly through the site without paying an agent’s booking fee. 

    Tip 1: For self-catering accommodation, use reputable sites to book privately-owned accommodation based on your specific requirements. Remember to check the location, facilities and reviews before booking.

    Paying for travel 

    Saving up beats paying interest on a loan. With a Global One facility, you get a main savings account for transacting and 4 free savings plans that offer interest from 5%. Alternatively, if you already have a minimum of R10 000 saved, and a lead time of 6 months or more before you need the funds, you could turn one of your plans into a fixed-term savings plan and earn up to 9.15% interest on your deposit.

    • You can use your Capitec debit or credit card to pay for purchases abroad – pay zero currency conversion fees for card machine purchases worldwide wherever you see the Mastercard® logo.
    • Capitec credit card holders can use their card with an interest-free repayment period of 55 days. You can also get free basic travel insurance when you pay for flights using your Capitec card

    Action your big goals

    Setting realistic annual goals is a great way to help build the life and career you want. The more practical and informed your approach, the more likely you are to achieve your dreams. We’d like to help you reach at least one goal this year, so we’ve created a 3-part series of handy checklists for 4 major financial goals. Whether you want to save for your education, a dream holiday or buy a car or home, we’ve got you covered.

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