Fees 2024 Article Header - Business - Desktop@2x - v2

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

See our full list of fees below.

Any South African card machineFREE
Acquired Card Machine
Cash withdrawal (Zero Purchase)2.00
Combination: Purchase and withdrawal2.00
International Card Machine (Mastercard /VISA)
Purchase2%, max of R200
Cash withdrawal (Zero Purchase)0.00
Combination: Purchase and withdrawal2%, max of R200
Unsuccessful dispute of purchase (chargeback)80.00

Transfer between own accounts (digital/ card)FREE
To Capitec client (it’s immediate)
To other South African bank
Immediate payment to other South African bank (digital/self service)6.50
Batch / Future dated Payment to Capitec Account1.00
Batch / Future dated Payment (to other bank account)2.00
STP Payment40.00
SARS Efiling10.00

Cash Withdrawal at Capitec ATM10.00 per 1 000.00
Saswitch ATM
Cash Withdrawal10.00 per 1000.00
International ATM
Cash withdrawal80.00

Capitec (digital)FREE
Other South African bank ATM (Saswitch and Spark)9.00
International Mastercard ATM10.00

Capitec card machine/Capitec ATMFREE
Other South African bank ATM9.00

Stop lost/stolen card (App/Online)FREE
Replacement/ supplementary card70.00
PIN change (App/Online)FREE


Capitec ATM1.20 per 100.00
Cash Deposit Fee Offsite2.00%
Offsite Deposit Admin Fee28.00

New Card DeliveryFREE
Cancellation of card delivery150.00
Urgent 1st Card or Renewal350.00
International Delivery 1st Card450.00
Cancellation of International Delivery450.00

Debit Order3.50
Debit Order Insufficient Funds7.00
Debit order reversal on client request (<40 days)50.00
Debit order reversal on client request (>40days)100.00

Monthly Statement (Digital)FREE
Daily Batch Statement100.00
Weekly Batch Statement50.00
Twice Monthly Batch Statement30.00

Card limit update (digital)FREE
Exchange control application1 000.00
Balance Order (Sweep)45.00
Auditors Certificate450.00
Referral where account goes into excess100.00
Monthly service fee on Active overdraft69.00

*Inward payment received with “OUR” Charge Option attract a reduced fee as the difference is claimed from the foreign bank

**Outward payment sent with “OUR” Charge Option attract a higher fee as the client agrees to cover the sender’s correspondent bank fee