Updated fees with you in mind
Our fees will change from 1 March, but we’ve kept them simple to give you better value.
Our fees will change from 1 March, but we’ve kept them simple to give you better value.
When it comes to fees, we keep it simple and transparent – so you always know what you get and know what you pay.
Key fee updates
All fees correct as at 16 February 2024, see our full list of fees below.
Global One agreement updates
Data protection clauses were updated & features improved to give you a better experience.
Monthly administration fee
Monthly administration fee
Any South African card machine | FREE |
Online/scan to pay/Apple Pay/Samsung Pay/Google Pay/Garmin Pay3,6,7,8,12 | FREE |
Airtime/data/SMS bundles (digital) | 0.50 |
Airtime/data/SMS bundles (card) | FREE |
Electricity (App/Online/USSD) | 1.00 |
Airtime (other bank ATM) | 9.00 |
Pay bills/vouchers/LOTTO (digital) | 1.50 |
Capitec Pay (digital) | 1.00 |
International processing fee | |
R0 - R10012 | 2.00 |
R101 - R20012 | 3.00 |
R201 - R50012 | 5.00 |
R501 or more12 | 10.00 |
Transfer between own accounts (digital/ card/ consultant) | FREE |
To Capitec client (it’s immediate) | |
Digital | 1.00 |
Self service | 5.50 |
To other South African bank | |
Digital | 2.00 |
Self service | 5.50 |
Consultant | 11.00 |
Immediate payment to other South African bank (digital/self service) | 6.50 |
Send Cash | |
R40 - R1 00010,11 (digital) | 10.00 |
R1 010 - R3 00010,11 (app only) | 16.00 |
Payment received from Mastercard® MoneySend (card) | 1.00 |
To own account (digital/ consultant) | FREE |
To other Capitec account (digital/ consultant) | 1.00 |
To other South African bank (digital/ consultant) | 2.00 |
Add, amend or cancel | |
Digital | FREE |
Consultant | 11.00 |
PnP/Shoprite/ Checkers/Boxer tillpoint4 | 2.00 |
All ATMs (any South African bank) | 10.00 per 1 000.00 |
International Mastercard® ATM3,4,6,8,9 | 80.00 |
International Mastercard®card machine3,4,6,8,9 | 10.00 |
Capitec to Capitec | |
---|---|
R0 - R100 (digital/self service) | FREE |
R101 - R1 000 (digital/self service) | 1.00 |
R1 001 - R3 000 (digital/self service) | 1.00 |
Capitec to other South African bank | |
R0 - R100 (digital/self service) | FREE |
R101 - R1 000 (digital/self service) | 2.00 |
R1 001 - R3 000 (digital/self service) | 3.00 |
Capitec (digital/card/self service/consultant) | FREE |
Other South African bank card machine6,9 | 1.00 |
International Mastercard® card machine6,9 | 3.00 |
Other South African bank ATM | 9.00 |
International Mastercard ATM6,9 | 10.00 |
Capitec card machine/Capitec ATM | FREE |
Other South African bank card machine/online/scan to pay/telephone | 1.00 |
International Mastercard® card machine/online /scan to pay/telephone6,9 | 3.00 |
Other South African bank ATM | 9.00 |
International Mastercard® ATM6,9 | 10.00 |
Stop lost/stolen card (App/Online/ USSD/ Self service/Consultant) | FREE |
Replacement/ supplementary card (Consultant) | 70.00 |
PIN change (App/Online/ USSD/ Consultant) | FREE |
PIN reset (Consultant) | 11.00 |
In-app and Email | FREE |
SMS | 0.35 |
FREE | |
SMS | 0.35 |
Cash for loan repayment | FREE |
Notes (cash-accepting ATM) | 1.40 per 100.00 |
Notes (consultant) | 4.00 per 100.00 |
Coins (consultant/coin deposit machine) | 15.00 per 100.00 |
Incoming international payment in rand or foreign currency 4,5 | 50.00 |
Exchange Control Application Fee 4,5 | 1 000.00 |
New credit card delivery | FREE |
New debit card delivery | 100.00 |
Second delivery attempt | 150.00 |
Cancellation of card delivery | 150.00 |
Debit order (consultant) | 3.50 |
Printed DebiCheck list (consultant) | 11.00 |
Stop debit order (digital/self service/consultant) | 11.00 |
DebiCheck authentication | |
Digital | 1.00 |
Sef service | 5.50 |
Consultant | 11.00 |
Returned (insufficient funds) | |
DebiCheck | FREE |
EFT | 7.00 |
Disputed (Last 40 days) | |
Digital | 5.00 |
Self service | 25.00 |
Consultant | 50.00 |
Disputed (After 40 days) | |
Self service | 50.00 |
Consultant | 100.00 |
DebiCheck last 12 months | |
Self service | 25.00 |
Consultant | 50.00 |
Main savings account | |
---|---|
Digital | FREE |
Self service | 6.00 |
Consultant | 16.00 |
Flexible savings/tax-free savings | |
Digital | FREE |
Self service | 6.00 |
Consultant | 16.00 |
Fixed-term savings/tax-free savings | |
Digital | FREE |
Self service | FREE |
Consultant | FREE |
Credit card statement (first statement free) | |
Digital | FREE |
Consultant | 16.00 |
Credit card transaction history | |
Digital | FREE |
Self service | 6.00 |
Consultant | 16.00 |
Fix savings account (digital/consultant) | FREE |
Early release: tax-free savings (consultant) | 300.00 |
Card limit update (digital) | FREE |
Card limit update (Self service) | 5.50 |
Card limit update (consultant2) | 11.00 |
Close account (consultant) | 11.00 |