Send cash anywhere in the country using your phone

How to send cash using our app

1. Tap Transact
2. Tap Send cash and enter your Remote PIN
3. Tap the button to send cash
4. Choose "From" account
5. Enter the amount you want to send
6. Create a 4-digit secret code (this will be used to collect the cash )
7. Tap Next
8. Read the terms and conditions, tick the boxes and tap Accept
9. Tap Yes to confirm the transaction
10. You'll receive an SMS with the reference number – send it to the recipient
11. Send the secret code to the recipient in a separate message

Note: You will need to have access to our banking App in order to send cash

How to send cash using USSD

1. Dial *120*3279# and reply 9
2. Accept the terms and conditions
3. Reply 1
4. Choose "From" account
5. Enter the amount you want to send
6. Create a 4-digit secret code (this will be used to collect the cash)
7. Enter your Mobile Banking PIN

Note: You will need to be registered for Mobile Banking in order to send cash.

The reference number

• The reference number for the cash sent will be SMSed to your registered cellphone number
• Send the SMS to the recipient, who needs the reference number to collect the cash
• Remember to send the secret code in a separate message, as it will not appear in the SMS

How much does it cost?

You can use *120*3279# or our app to send cash.

Sending cash between R40 - R1 000 will cost R8 when using our app or *120*3279#.

Sending cash between R1010 - R3 000 using our app will cost R16.

Collecting the cash at Capitec ATMs, Shoprite, Checkers, Usave, Game, Pick n Pay, Makro and Builders is free

*120*3279#

• You can send up to R1 000 per transaction
• The daily limit is R1 000 and you can send up to R24 999 cash per month

App

• You can send up to R3 000 per transaction
• The daily limit is R5 000 and you can send up to R24 999 cash per month

What you need to collect your cash

• The reference number (this is sent by SMS to the sender)
• The 4-digit secret code

How to collect your cash

1. Visit any Capitec ATM, Shoprite, Checkers, Usave, Game, Makro, Pick n Pay or Builders store near you.
2. When collecting in one of the partner stores, tell the teller that you have a cash transfer from a Capitec client
3. The teller will ask for the reference number
4. You’ll be asked for your name, surname and cellphone number, along with the secret code
5. Once validated, the cash is paid out immediately

What if you can't get your cash?

If, for any reason the cash payout cannot be completed, contact our Client Care Centre on 0860 10 20 43.