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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 April 2018.

    rates and fees

    Transaction fees (R)

    Credit card – One monthly administration fee
    35.00
    Debit card – One monthly administration fee
    5.80
    Minimum account balance
    25.00

    Access

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

    FREE

    Security

    Internet banking token on keyring (Internet)
    80.70

    Replacement internet banking token on keyring (Internet)
    80.70

    Replacement/Supplementary card (branch2)
    60.53

    PIN change (app/Internet, *120*3279#1, Capitec Bank ATM, branch2)
    FREE

    PIN reset (branch2)

    5.35

    Stop card (app/Internet, branch2)
    FREE

    Stop orders

    Add, amend or cancel recurring payment (stop order)
    (app/internet)
    FREE

    (branch2)
    5.35
    Recurring payment (stop order)
    (app/internet)
    1.60

    (branch2)
    5.35

    Debit orders

    DebiCheck authentication10

    (app/Internet,*120*3279#1)

    1.61

    Card
    FREE

    Branch2
    5.35

    Printed DebiCheck list
    5.35

    Stop debit order (app,branch2)
    5.35

    Transfers/Payments

    Transfer between own accounts (app/Internet, *120*3279#1, Capitec Bank ATM, branch2)
    FREE

    Early release: fixed-term savings (Capitec Bank ATM)9
    5.35

    Early release: tax-free savings9

    Capitec Bank ATM
    5.35

    Branch2
    300.00

    Payment to other bank/Capitec Bank account

    app/Internet *120*3279#1
    1.60

    Branch2

    5.35

    Payment to other bank (immediate)
    10.00

    Payment to Capitec Bank client (with verified cellphone number )(app/Internet, *120*3279#1) 
    1.60

    Payment received from MoneySend
    1.61

    Purchases

    Purchase at local card machine
    FREE

    Purchase at international Mastercard machine3,6,8,11
    FREE

    Purchase online/telephone/mail6,7 (card)
    FREE
    Airtime/Data/SMS bundles & electricity (app/Internet, card)
    FREE

    Airtime/Electricity (*120*3279#1)
    FREE
    Airtime (other bank ATM)
    5.55

    Cash Withdrawals (fixed fees4)

    PnP/Shoprite/Checkers/Boxer tillpoint

    1.61

    Capitec Bank ATM
    6.56
    Other bank ATM
    8.83

    International Mastercard® ATM3,6,8,11
    55.48

    International Mastercard® card machine3,6,8,11
    7.06

    Statements

    Transaction/Savings account statement

    app/Internet 
    FREE

    Capitec Bank ATM 
    2.52

    Branch2
    7.57

    Flexible savings plan statement

    app/Internet
    FREE

    Capitec Bank ATM
    2.52

    Branch2
    7.57

    Fixed-term savings plan statement

    app/Internet
    FREE

    Capitec Bank ATM
    FREE

    Branch2
    FREE

    Tax-free savings plan statement

    app/Internet
    FREE

    Capitec Bank ATM
    FREE

    Branch2
    FREE

    Credit card statement (first statement free)

    app/Internet
    FREE

    Branch2
    7.57
    Credit card transaction history
    app/Internet
    FREE
    Capitec Bank ATM
    2.52

    Branch2
    7.57

    Balance Enquiries

    Balance enquiry

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

    Local card machine

    FREE

    Other bank ATM

    5.55

    International Mastercard® ATM/card machine6,11
    7.06

    Declined Transactions (insufficient funds)

    Card machine purchase
    FREE
    Capitec Bank ATM
    FREE
    Other bank ATM
    5.55

    International Mastercard® ATM/card machine6 
    7.06

    Notifications

    Registration
    FREE

    Send account details

    SMS
    0.40
    Email
    FREE

    Payment notification

    SMS
    0.40
    Email
    FREE
    Fax
    1.61
    SMS update
    0.40

    Deposits

    Salary cheque
    FREE
    Non-salary cheque
    40.35
    Cash for loan repayment
    FREE

    Notes (cash-accepting ATM)
    96c per R100

    Notes/Coins (branch2)
    R2.27 per R100
    Special clearance cheque
    100.88
    Returned cheque deposit
    131.14

    Incoming international payment in rand (fixed fee)5

    100.88

    Incoming international payment in foreign currency5

    100.88

    Disputed Transactions

    Disputed debit order: last 40 days (app)
    20.18

    Disputed debit order: last 40 days (branch2)

    40.35

    Disputed debit order: after 40 days (branch2)

    80.70

    Disputed Debicheck: last 12 months (app)

    20.18

    Disputed Debicheck: last 12 months (branch2)

    40.35
    Late recall of transfer to Capitec Bank account
    5.35
    Late recall of transfer to other bank account
    131.14

    Local card machine purchase (unsuccessful dispute)
    55.48

    International Mastercard® card machine purchase (unsuccessful dispute)
    131.14

    Other

    Card limit update (app/Internet)
    FREE

    Card limit update (branch2)
    5.35

    Fix savings account
    FREE

    Close account (branch)
    5.35
    Debit order
    3.73
    Returned debit order (insufficient funds)
    5.55

    Need to see another section? Choose here:

    Payments
    content

    We adjusted our fees for 2018 to incorporate the VAT increase from 14% to 15%. You can download the latest 2018 fees flyer here.

    Important:

    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 cannot 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 Capitec Bank ATM transfer can only be done from a multiple deposit fixed-term or tax free savings plan with a balance of less than R10 000

    10. R5.30 fee applies if DebiCheck is done through our Client Care Centre
    11. Get cash from any international ATM and purchase at any international card machine with the Mastercard® logo
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