Business banking

It doesn’t matter if your business is big or small, if you're starting out or branching out. We have payments, credit, savings and insurance solutions to support and grow any start-up, SME or established enterprise.

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Card Machine

Get a Capitec card machine and save! Buy a Pro for R1299 or Print for R2199 once-off, no contracts or hidden fees.

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Our 2024 Results

Watch the presentation of our audited financial results for year ended 29 February 2024.

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Introducing the Deposit Insurance Scheme

Learn more about what deposit insurance means for your business and how your deposits are protected.

Business bank account

One solution for all your business needs 

We make business banking simple with one account for life. Our day-to-day transactional account is available to all businesses at the same price, with a simple and transparent fee structure.

Here's what you get, for what you pay:

  • Free virtual card for online transactions
  • Zero fees on local card payments
  • Free access to digital channels
  • R1 for payments to other Capitec accounts
  • R2 for payments to other banks
  • R3.50 per debit order
  • R6.50 for immediate payments
  • R10 per R1000 to draw cash at any bank’s ATM in South Africa
  • R1.20 per R100 to deposit cash at any Capitec ATM
  • R50 monthly service fee

Free access to digital banking   

See how simple and easy digital banking can be. Customise your banking for instant access to the things that matter the most to you, so you can effortlessly run your business from our app and online banking platform.

  • Enjoy a single view of all your business banking 
  • Easily switch between your business and personal banking profile on our app
  • Get complete control and access to exactly what you need, when you need it

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You can use our app and online banking to: 

Online business banking

  • Do realtime payments, batch payments and payroll processing  
  • Grant user access and permissions 
  • Integrate with accounting software platforms 
  • Implement authorisation flows and controls 
  • Enjoy the peace-of-mind of audit trails 

Business transactional account

A Relationship Banker will give you personalised service and support for all your business needs.

What we offer

  • Easily apply for personalised credit solutions
  • Get assistance to activate and use your account

Start using your account today! Call our Relationship Suite on 0860 30 92 50 if you need help and let's get down to business.

Business transaction account


Choose a bank that not only makes running your business simpler, but treats you like somebody who also has a personal life. At Capitec Business, we’re committed to innovation and use technology to enhance our banking services so you can focus on the things that really matter to you.

Business savings account


We know that it takes passion, dedication and commitment to build a business. So let us help you with simple savings and investment products with competitive interest rates that offer you value to grow your profits.

Business credit application


We have simplified the credit application process to make it easy for you to access the credit you need to grow your business or support your cash flow. We offer many different credit options, so read more to see which of them are right for your business and what you’re aiming to achieve.