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    transact

    know what you get, know what you pay

    No one likes paying bank fees, so we do whatever we can to keep ours as low as possible. And we don’t do hidden costs. Ever! Choose the best way to transact. The fees below are effective as of 1 March 2014.

    rates and fees

    Transaction fees (R)

    One monthly administration fee
    5.00
    Minimum account balance
    25.00

    Access

    Activation/Monthly subscription (card, Mobile Banking1, Internet Banking)

    FREE

    Security

    Security token on cellphone (Internet Banking)
    FREE
    Security token on keyring (Internet Banking)
    60.00
    Replacement security token on keyring (Internet Banking)
    60.00
    Replacement/Supplementary card
    40.00

    PIN change (card/ATM, Mobile Banking1, branch2)

    FREE

    PIN reset (branch2)

    3.20

    Transfers/Payments/Purchases

    Create, amend or cancel recurring payment (stop order)

    Internet Banking
    1.50

    Branch2

    4.25
    Recurring payment (stop order)

    Internet Banking

    1.50

    Branch2

    3.20
    Debit order
    3.20

    Returned debit order

    4.25
    Returned early debit order
    FREE

    Transfer to own account (card/ATM, Mobile Banking1, Internet Banking, branch2)

    FREE

    Payment to Capitec Bank/other bank account

    Card
    3.20

    Internet Banking

    1.50

    Branch2

    3.20

    Payment to Capitec Bank client with a verified cellphone number (Mobile Banking1)

    1.50

    Purchase at local/international6 card machine3

    FREE

    Purchase online/telephone/mail6,7

    FREE

    Airtime/Electricity (card machine, Mobile Banking1)

    FREE

    Airtime (other bank ATM)

    1.00

    Cash Withdrawals (fixed fees4)

    PnP/Shoprite/Checkers/Boxer tillpoint

    1.05
    Capitec Bank ATM
    4.60
    Other bank ATM
    7.30

    International card machine3,6

    5.30

    International ATM3,6

    40.00

    Balance Enquiries/Notifications/Statements

    Balance enquiry

    Capitec Bank

    FREE

    Capitec Bank ATM

    FREE

    Local card machine

    0.40

    Other bank ATM

    4.25

    International ATM/card machine6

    5.30
    Notifications
    Registration
    FREE
    Email/SMS (transactions and balances)
    0.40
    Fax
    1.50

    Transaction/Savings account statement

    Internet Banking

    FREE

    Branch2

    3.50
    Fixed-term savings account statement

    Internet Banking

    FREE

    Branch2

    FREE

    Deposits

    Salary cheque
    FREE
    Non-salary cheque
    16.00
    Cash for loan repayment
    FREE
    Notes (cash-accepting ATMs)
    55c per R100
    Coins (cash-accepting ATMs)
    R1.15 per R100
    Notes/Coins (branches)
    R1.15 per R100
    Special clearance cheque
    75.00
    Returned cheque deposit
    95.00

    Incoming international payment in rand (fixed fee)5

    80.00

    Incoming international payment in foreign currency5

    80.00

    Declined transactions (insufficient funds)

    Card machine purchase
    FREE
    Capitec Bank ATM
    FREE
    Other bank ATM
    4.25

    International ATM/card machine6

    5.30

    Disputed transactions

    Reversed debit order on request (last 40 days)

    4.25
    Reversed debit order on request (after 40 days)
    25.00
    Late recall of transfer to Capitec Bank account
    4.25
    Late recall of transfer to other bank account
    95.00

    Other

    Card limit change
    3.20
    Close account
    4.25

    Need to see another section? Choose here:

    Payments

    Things you should know:

    1. Your mobile network operator will charge a fee for network access
    2. Excludes Client Care Centre transactions
    3. Limited to travel-related transactions in terms of Section B16 of the Exchange Control Rulings of the South African Reserve Bank
    4. Fixed fee means it does not increase as the value of the transaction increases
    5. See our website for more information on foreign exchange services
    6. Supplementary cards can’t be used internationally
    7. Limited to R20 000 per international transaction, up to your daily limit, in terms of Section B16 of the Exchange Control Rulings of the South African Reserve Bank
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