Simplify Banking

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. Move to the bank that invests in innovative solutions to simplify your life… so you can live better.

Move to Capitec Open an Account

Open an account

Get your card delivered to your door and move to Capitec without visiting a branch.

move your salary and debit orders

Simplified banking means we will help you open an account, all from the comfort of your home. Switch your account, salary and debit orders in a few easy steps.

bank on your phone

Bank from home with our Capitec Banking App. Pay people, make immediate payments, get account balances and more.

Live Better

Get real rewards, real cash back, real simple.

our 2022 fees

We’ve kept most of our digital fees the same for the 4th year in a row. We’ve also added free payment features on our app. The fees below are effective as of 10 April 2022.

go cash-free

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 by applying for a term loan. Get an estimate online or use our banking app to apply for a loan of up to R250 000.

apply now

Thousands of South Africans are being rewarded with 1% cash back, don’t get left behind.

stay in control of your debit orders

There’s a very good reason why you receive DebiCheck notifications. By approving new debit orders you will make your Capitec account even more secure.

protect yourself against credit card fraud

According to the South African Banking Risk Information Centre (SABRIC), credit card fraud in South Africa is still on the rise.