Affordable banking for students and first-time earners

Our Main Account is a simple, low-fee bank account with budgeting tools, savings options and digital banking on our app – ideal if you’re a student or starting your first job.

Unlike many student bank accounts, we give you one simple, affordable, full-featured account with the same fees and tools for life.

How we support students with low-cost accounts

We don’t give students a ‘lite version' of banking with extra rules. You get the same account and features as all our clients, built for everyday life, not a temporary phase.

With our Main Account you get:

• A low monthly account fee without hidden costs
• Simple pricing for everyday banking like cash withdrawals, buying data or sending immediate payments
• Free online banking on our app
• Cash back and discounts through Live Better Rewards
• Access to affordable data and airtime with Capitec Connect
• A Debit Card and Virtual Debit Card to use on campus, in-store or online

Budgeting tools that simplify student life

Budgeting is easier when you can see, control and track your money in real time.

On our app, you can:

• See every transaction instantly with free in-app notifications
• Track your spending on food, data, transport and more
• Set personalised card limits
• Pay friends or split bills in seconds
• Buy prepaid data and electricity anytime

Savings and transfers made easy for first-time earners

We make saving easy for first-time earners with:

• Up to 10 free Savings Accounts
• The option to name your Savings Accounts to match your goals – like ‘Emergency fund’, ‘Laptop’ or ‘First car’
• Automatic transfers to help you save without thinking about it
• Interest that helps your money grow over time