Rates and fees
Running a business can be overwhelming, but your banking fees shouldn't be. Here are our latest rates and fees, effective 1 March.
Running a business can be overwhelming, but your banking fees shouldn't be. Here are our latest rates and fees, effective 1 March.
Here's what you get, for what you pay:
See our full list of fees below.
| Any South African card machine | FREE |
| Acquired Card Machine | |
| Purchase | 0.00 |
| Cash withdrawal (Zero Purchase) | 2.00 |
| Combination: Purchase and withdrawal | 2.00 |
| International Card Machine (Mastercard /VISA) | |
| Purchase | 2%, max of R200 |
| Cash withdrawal (Zero Purchase) | 0.00 |
| Combination: Purchase and withdrawal | 2%, max of R200 |
| Unsuccessful dispute of purchase (chargeback) | 80.00 |
| Transfer between own accounts (digital/ card) | FREE |
| To Capitec client (it’s immediate) | |
| Digital | 1.00 |
| To other South African bank | |
| Digital | 2.00 |
| Immediate payment to other South African bank (digital/self service) | 6.50 |
| Payments | |
| Batch / Future dated Payment to Capitec Account | 1.00 |
| Batch / Future dated Payment (to other bank account) | 2.00 |
| STP Payment | 40.00 |
| SARS Efiling | 10.00 |
| Cash Withdrawal at Capitec ATM | 10.00 per 1 000.00 |
| Saswitch ATM | |
| Cash Withdrawal | 10.00 per 1000.00 |
| International ATM | |
| Cash withdrawal | 80.00 |
| Capitec (digital) | FREE |
| Other South African bank ATM (Saswitch and Spark) | 9.00 |
| International Mastercard ATM | 10.00 |
| Capitec card machine/Capitec ATM | FREE |
| Other South African bank ATM | 9.00 |
| Stop lost/stolen card (App/Online) | FREE |
| Replacement/ supplementary card | 70.00 |
| PIN change (App/Online) | FREE |
| PIN reset | FREE |
| FREE | |
| SMS | 0.35 |
| Capitec ATM | 1.20 per 100.00 |
| Cash Deposit Fee Offsite | 2.00% |
| Offsite Deposit Admin Fee | 28.00 |
| New Card Delivery | FREE |
| Cancellation of card delivery | 150.00 |
| Urgent 1st Card or Renewal | 350.00 |
| International Delivery 1st Card | 450.00 |
| Cancellation of International Delivery | 450.00 |
| Debit Order | 3.50 |
| Debit Order Insufficient Funds | 7.00 |
| Debit order reversal on client request (<40 days) | 50.00 |
| Debit order reversal on client request (>40days) | 100.00 |
| GlobalBiz | |
| Monthly Statement (Digital) | FREE |
| Daily Batch Statement | 100.00 |
| Weekly Batch Statement | 50.00 |
| Twice Monthly Batch Statement | 30.00 |
| Card limit update (digital) | FREE |
| Exchange control application | 1 000.00 |
| Balance Order (Sweep) | 45.00 |
| Auditors Certificate | 450.00 |
| Referral where account goes into excess | 100.00 |
| Monthly service fee on Active overdraft | 69.00 |
*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