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.

know what you get, know what you pay

Transaction fees (R)

To download the transact fees flyer for 2022, click here

Important:

  1. Your service provider will charge a fee for network access
  2. Includes 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 info on foreign exchange services
  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 our website for more info on direct currency conversion
  9. 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
  10. Get cash from any international ATM and purchase at any international card
    machine with the Mastercard® logo
  11. Remote banking app limits for sending cash: R3 000 per transaction,
    R5 000 per day, R24 990 per month
  12. Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction,
    R1 000 per day, R24 990 per month
  13. 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

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