Find out how we give you simple, affordable, digital-first banking – without hidden costs, complex tiers or compromises.
Many banks talk about low fees, but everyday costs add up with transactions, transfers and withdrawals. We take a different approach – our fees are easy to find and understand, so you know exactly what you’re paying.
We’ve reduced more than 30 pricing points to just 5 fees, making everyday banking simpler and more affordable.
No hidden costs or complex tiers. Just straightforward fees that help you keep more of your money where it belongs – in your pocket.
Our simplified fee structure means:
Want to see how our fees compare? Find all our fees here.
Besides saving on banking fees, you also benefit from transparent pricing, smart digital tools and banking that fits your lifestyle.
Here’s what that value can look like:
Banking shouldn’t be a mission. Whether you’re sending money, buying data or shopping – everything is in your hands with our app:
Affordable banking shouldn’t come at the cost of security. With us, your money is protected with built-in tools that give you control and peace of mind.
These include:
We’re known for affordable banking, but our value goes beyond low fees. Clients also choose us because banking with us is easy and delivers real, everyday value.
Our app lets you manage your money in one place – from payments and credit to insurance. Everything is clear, quick to find and easy to use.
We also add everyday value through Capitec Rewards, where you get deals, discounts and cash when you use your Debit or Credit Card – no points, tiers or complicated rules.
We don’t reserve features and rewards for premium accounts or higher incomes, we offer the same simple pricing, affordable digital tools and value to all our clients.
Switch to us and start banking better today.
We’re widely regarded as one of the most affordable banks in South Africa thanks to our low fees, simple pricing and strong value for money compared to other major banks.
How you bank matters, but most clients pay less after switching. With simple, transparent pricing and fewer fee types, it’s easier to control costs and avoid surprises, which can add up to meaningful savings over time.
No. Our low fees don’t mean fewer features. You get a full affordable digital banking experience including everyday banking, savings, credit, payments and rewards – all designed to be simple, accessible and affordable.
We’re known for keeping monthly banking costs lower and simpler than other banks. Our pricing focuses on affordability, simplicity and transparency. By reducing transaction fees from more than 30 price points to just 5, we make it easier to know what you’re paying and avoid unexpected costs.
