Capitec Transaction Fees
know what you get, know what you pay
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.

To download the transact fees flyer for 2022, click here.
Important:
- Your service provider will charge a fee for network access
- Includes Client Care Centre transactions
- Limited to travel-related transactions in terms of Section B16 of the Exchange Control Rulings of the South African Reserve Bank
- Fixed fee means it does not increase as the value of the transaction increases
- See our website for more info on foreign exchange services
- Supplementary cards cannot be used internationally
- Card-not-present transactions limited to R50 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 - See our website for more info on direct currency conversion
- An early release Capitec ATM transfer can only be done from a multiple deposit
fixed-term or tax-free savings account with a balance of less than R10 000 - Get cash from any international ATM and purchase at any international card
machine with the Mastercard® logo - Remote banking app limits for sending cash: R3 000 per transaction,
R5 000 per day, R24 990 per month - Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction,
R1 000 per day, R24 990 per month - A processing (authorisation/clearing) fee will be charged for successful
international transactions, whether the transaction was initiated cross-border
from outside South Africa or locally from within South Africa. This includes the
account status enquiry when an international merchant loads your card for payments