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    transact

    know what you get, know what you pay

    No one likes paying bank fees, so we do what we can to keep ours as low as possible. And we don’t do hidden costs. Ever! 

    The fees below are effective as of 1 March 2015.

    rates and fees

    Transaction fees (R)

    One monthly administration fee
    5.00
    Minimum account balance
    25.00

    Access

    Activation/Monthly subscription (card, *120*3279#1, app, Internet)

    FREE

    Security

    Token on cellphone (app/Internet)

    FREE

    Token on keyring (Internet)

    70.00

    Replacement token on keyring (Internet)

    70.00
    Replacement/Supplementary card
    50.00

    PIN change (card/ATM, *120*3279#1, app, Internet, branch2)

    FREE

    PIN reset (branch2)

    3.40

    Transfers/Payments/Purchases

    Add, amend or cancel recurring payment (stop order)

    App/Internet

    FREE

    Branch2

    4.50
    Recurring payment (stop order)

    App/Internet 

    1.50

    Branch2

    3.40
    Debit order
    3.20

    Returned debit order

    4.50

    Transfer to own account (card/ATM, *120*3279#1, app, Internet, branch2)

    FREE

    Early release (fixed-term savings) (Capitec Bank ATM)9

    3.20

    Payment to other bank/Capitec Bank account

    App/Internet 

    1.50

    Branch2

    3.40

    Payment to Capitec Bank client with verified cellphone number (*120*3279#1)

    1.50

    Purchase at local/international6,8 card machine3,6,8

    FREE

    Purchase online/telephone/mail6,7

    FREE

    Airtime/Electricity (*120*3279#1, app)

    FREE

    Airtime (other bank ATM)

    1.25

    Cash Withdrawals (fixed fees4)

    PnP/Shoprite/Checkers/Boxer tillpoint

    1.25
    Capitec Bank ATM
    5.00
    Other bank ATM
    8.00

    International card machine3,6,8

    6.00

    International ATM3,6,8

    45.00

    Balance Enquiries/Notifications/Statements

    Balance enquiry

    Capitec Bank (*120*3279#1, app, Internet, branch2)

    FREE

    Capitec Bank ATM

    FREE

    Local card machine

    0.40

    Other bank ATM

    4.50

    International ATM/card machine6

    6.00
    Notifications
    Registration
    FREE
    Email/SMS (transactions and balances)
    0.40
    Fax
    1.50

    Transaction/Savings account statement

    Internet 

    FREE

    Branch2

    3.75
    Flexible savings account statement
    Internet
    FREE

    Branch2

    3.75

    Fixed-term savings account statement

    Internet

    FREE

    Branch2

    FREE

    Deposits

    Salary cheque
    FREE
    Non-salary cheque
    18.00
    Cash for loan repayment
    FREE

    Notes (cash-accepting ATM)

    70c per R100

    Coins (cash-accepting ATM)

    R1.40 per R100

    Notes/Coins (branch)

    R1.40 per R100
    Special clearance cheque
    80.00
    Returned cheque deposit
    100.00

    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
    4.50

    International ATM/card machine6

    6.00

    Disputed Transactions

    Reversed debit order on request (last 40 days)

    20.00
    Reversed debit order on request (after 40 days)
    30.00
    Late recall of transfer to Capitec Bank account
    4.50
    Late recall of transfer to other bank account
    100.00
    Local card machine purchase
    50.00
    International card machine purchase
    110.00

    Other

    Card limit change
    3.40
    Close account
    5.00

    Need to see another section? Choose here:

    Payments

    Things you should know:

    1. Your service provider 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 foreign exchange services for more information
    6. Supplementary cards can’t be used internationally
    7. 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
    8. See foreign exchange services for more information on direct currency conversion
    9. An early release ATM transfer can only be done from a multiple deposit fixed-term savings account with a balance of less than R10 000
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