Move to a simpler way to bank. Capitec has taken the complexity out of banking, with technology that cuts costs and puts the value back in your pocket . Switch to the bank that invests in innovative solutions to simplify your life… so you can live better.
our 2020 fees
We update our bank fees on 1 March every year. Last year, we helped our clients save over R200 million by lowering our digital banking fees. For the second year in a row, we will not be increasing these fees in 2020.
Move to simpler banking. Go cash-free with our new card – just tap to pay and you’re on your way. Debit or credit, our Global One card gives you many ways to access your money and transact worldwide.
get personalised credit
Move to a simpler way to get credit. Get an estimate online or use our banking app to apply for a loan of up to R250 000. You’ll get a personalised offer based your affordability, and you can choose between the amount you want, the lowest monthly instalment or the lowest interest rate, starting at 12.9%.
study further for less
Move to instant savings. Get R4 000 off any GetSmarter online short course from leading SA universities. To qualify simply register and pay with your Capitec card
bank on your phone
Be safe and bank from home with our cellphone banking app. You can pay people and accounts, make immediate payments, get account balances and email stamped statements – just about everything you would normally do at a branch. It really is like having a bank in your pocket – perfect for when you have to do banking while stuck at home.
using your credit card
Your credit card gives you more ways to get what you need. Use it for everyday purchases and online shopping.
credit cards or retail accounts, which is better?
Credit cards and retail accounts make it possible for us to buy these items when we need them, and then pay them off in instalments. But which is better?