bank on your cellphone
bank on your cellphone
Use your cellphone to access your transaction/savings account, savings plans or credit facility. Your Mobile Banking PIN keeps all your transactions secure.

What can I do?
- Buy airtime, data and sms bundles
- Buy electricity
- View account balances
- View last electricity token purchased
- Do credit facility transfers
- Pay Capitec Bank clients (with a verified cellphone number)
- Transfer money between your accounts
- Register for SMS Update for added security
- Approve DebiCheck mandates
- Stop your card if lost or stolen
- Enable or disable tap to pay on your cards
- Send own account details using SMS or email
- Email statement
- Send cash to friends and family
- View the last 5 transactions
Already registered?
Dial *120*3279# to access this service. If you're out of airtime, simply dial *130*3279# free of charge to top up your cellphone!
Got any Mobile Banking questions?
Mobile Banking offers simple, easy-to-use banking on your cellphone. Your preferences and cellphone determine the type of mobile banking services that you'll be able to access. Mobile Banking using unstructured supplementary services data (USSD) allows you to use any cellphone to access the service by dialing *120*3279# to perform banking on the go. If you don't have airtime, dial *130*3279# first to top up your airtime – your service provider allows this transaction free of charge.
There is no wait at all. Once you have successfully registered at one of our branches you can start using Mobile Banking immediately.
USSD (unstructured supplementary services data) is a technology similar to SMS. USSD is present on all South African GSM (global system for mobile communications) networks. It's more secure than SMS as it doesn't store any typed information on the cellphone. The service is session-based, which means that in each session you will be validated and transaction information can be saved.
The session duration is determined by the service providers and typically allows you to transact within 2 – 3 minutes (ask your service provider how long their USSD sessions last). If you've lost connection or the session times out and you've already typed information in or made a menu selection, you can continue your transaction at the point where you left off by redialling the service within 5 minutes of the disconnection or timeout.
This means that you've reached the time limit for a session set by your service provider – this is referred to as having "timed out". If this happens and you confirmed your transaction by entering your Mobile Banking PIN, the transaction will still be processed and a SMS confirmation will be sent to you. If you've not confirmed by entering your Mobile Banking PIN yet, you can resume the transaction by dialing the service within 5 minutes.
Almost any cellphone that can receive and send SMSs can be used to access Mobile Banking.
Service providers usually charge 20c for 20 seconds. You can confirm the exact cost with your service provider. If you run out of airtime, dial *130*3279# to top up your own cellphone. This transaction is free of charge.
Mobile Banking requires you to register a Mobile Banking PIN at the branch when you register for the service. This PIN is used whenever you do a financial transaction and must NEVER be shared with anybody. If your cellphone is lost or stolen, you can suspend access to the service at your nearest branch or by calling Client Care on 0860 10 20 43. You can also change your Mobile Banking PIN at any time using Mobile Banking should it have been compromised.
Your Mobile Banking service is linked to a specific cellphone number. This means that once you've registered, you can only use a cellphone containing your SIM card with your verified cellphone number. If your cellphone is damaged or you replace it, you'll need to insert your SIM card with your verified cellphone number in the new cellphone.
Access Mobile Banking immediately and change your PIN. If you can't change your Mobile Banking PIN, suspend your Mobile Banking service immediately by visiting your nearest branch or by calling our 24hr Client Care Centre on 0860 10 20 43. Remember to keep your PIN secret and never write it down or share it with anyone, even if they claim to be Capitec Bank staff. Read these Mobile Banking security tips.
You must cancel your Mobile Banking service to ensure that no one else can access your account. Please visit any of our branches or call our 24hr Client Care Centre on 0860 10 20 43.
To reset your Mobile Banking PIN, visit your nearest branch with an identification document or Global One card.
We have no control over the municipalities' and electricity issuers' systems and, as a result of technical issues on their systems, we may not be informed or aware of problems. We'll either deliver the electricity token by SMS if we receive it or reverse your money immediately if it failed.
Any Capitec Bank client with a verified cellphone number (i.e. they have registered for SMS Update, Mobile Banking or Internet banking) can be paid using only their cellphone number. Before making a payment, ask your beneficiary to confirm that they have verified their cellphone number with us.
Any Capitec Bank client with a verified cellphone number (i.e. they have registered for SMS Update, Mobile Banking or Internet banking) can be paid using only their cellphone number. Before making a payment, ask your beneficiary to confirm that they have verified their cellphone number with us.
There is no monthly subscription fee for Mobile Banking. For more info view our rates and fees.
Yes. The following daily transaction limits apply:
- Prepaid airtime,data bundles and sms bundles up to R505 collectively
- Prepaid electricity up to R10 000 (depending on your vendor)
- Capitec Bank client payments up to R3000
This is a safety mechanism to protect your account from unauthorised access. You have a maximum of 5 attempts before your Mobile Banking PIN is blocked. If your Mobile Banking PIN is blocked by accident, visit your nearest branch to reset your Mobile Banking PIN.
You can only view the last electricity token that you bought.
The multi-loan was discontinued on 27 February 2016 and has been replaced by the credit facility. Visit your nearest branch to see if you qualify for up to R5 000.
We currently support Telkom Mobile, Cell C, MTN and Vodacom for direct airtime top-up.
We use direct airtime top-up, which means that voucher-based amounts don't apply. The airtime amounts have been carefully chosen for the convenience of all our clients.
Ask your local electricity provider to find out whether you qualify and, if so, how you go about receiving it.
Call Client Care and suspend access to the service. Then contact your service provider to confirm what the issue is and restore your cellular service. You will then need to visit your nearest Capitec Bank branch to reactivate Mobile Banking. Click here for Mobile Banking safety tips and information.
For technical reasons beyond our control, Mobile Banking can only be used within the borders of South Africa.

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