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    time for some q&a

    If you don't feel like chatting, browse our FAQs below. If you do, call us any time on 0860 10 20 43.

    Need an answer?

    Get in touch and we'll get back to you. We might also add your question to the list.

    Our FAQs

    To make things a little easier, we've divided the types of frequently asked questions into different sections. Remember that Global One covers all aspects of transacting, saving and accessing credit – this is the most popular section.

    Insure

    How many people can be covered on a Capitec Funeral Plan?

    The policyholder can add up to 21 dependants on the one funeral plan.

    How many beneficiaries are allowed?

    The policyholder can have a maximum of 2 beneficiaries.

    Can I add more than one spouse? 

    If you have more than one spouse, the additional spouses can be covered as extended family members.

    How many children can I add?

    You can cover up to 8 children at any one time. Any additional children (more than 8) can be added as extended family members.

    How many parents can I add?

    You can cover up to 4 parents at any one time. Any additional parents can be added as extended family members.

    Who can be added as an extended family member?

    Any additional spouses, children (more than 8) and parents (more than 4) can be added as extended family members. You can also add grandparents and great-grandparents, brothers and sisters (including in-laws), uncles and aunts, nephews and nieces, first cousins, grandchildren and great-grandchildren. 

    Certain of your spouse's close family members can also be added as extended family members. 

    An extended family member must have some form of close family relationship with the policyholder, and this relationship must be in place when the policyholder takes out the cover.

    Do I have to get cover for myself too, or can I only cover others?

    The policyholder/main life assured must have a minimum cover of R5 000 on the policy.

    When does cover start?

    Cover starts as soon as the policy is signed by the policyholder. 

    Why is one policy better than many different ones?

    By having all dependants on one plan, the policyholder pays only one policy fee per month.  Monthly premiums are also generally more affordable if you have one policy instead of multiple policies.

    How long will it take for a death claim to be paid out?

    If all the required documents are provided, the death claim cover amount will be paid out within 24 hours.

    When will the death claim not be paid?

    The claim will not be paid if all the required documents are not provided, if the type of death is natural and within the waiting period (and evidence to have the waiting period waived is not provided), if the claim is deemed to be fraudulent, or if the date of death is after the policy has lapsed or been cancelled.

    Additionally, if the death is due to direct or indirect result of active participation in war, invasion, acts of foreign enemies, hostilities, illegal strikes, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising or riot, military or assumed power, the claim will not be paid.

    Global One 

    How safe is my money?

    Very. Card transactions can only be done with your Global One card and PIN. All branch transactions require your card and PIN, with fingerprint biometrics and photographic identification as additional security measures. Biometrics also enables us to track all transactions by service consultants, which ensures that only you can access your accounts and money. Our Mobile and Internet banking services for registered users also include security measures to keep your money safe.

    How do you keep your fees so low? 

    There are several reasons:

    • We focus on personal banking for individuals only, which enables us to tailor our systems and procedures for one type of client category. Our competitors have to cater for many different types of clients and businesses, resulting in more complex and costly procedures
    • Our systems are modern and technologically advanced which allows us to take advantage of cost-effective technology (i.e. paperless banking) rather than expensive manual procedures
    • Our branches don’t need large admin departments. Instead, we use technology and a dedicated team at our Stellenbosch campus to perform all back office administrative tasks, further reducing costs
    • We promote a cost-saving culture throughout the company. For example, all of our employees, including the executives and the CEO, fly economy class when travelling

    What's the deal with daily card limits?

    The following daily card limits apply to keep your money safe. They can be changed by visiting your nearest branch or through our app or internet banking:

    • A daily limit of up to R5 000 per day for cash withdrawals
      • temporary limit of up to R10 000 can be set for up to 3 days
    • A daily limit of up to R50 000 for card machine purchases
      • temporary card machine purchase limit of up to R120 000 can be set for up to
        3 days
    • A daily limit of up to R50 000 for local online shopping and telephone/mail orders
      • temporary online shopping and telephone/mail order limit of up to R120 000 can be set for up to 3 days
    • International online/telephone/mail order purchases are limited to R50 000 per transaction up to your daily limit.

    As an alternative to large amounts of cash, you can use the following options:

    • Our app. With immediate payments you can make payments to any other bank for only R10

    • Use our Internet banking
    • You can also register for Mobile Banking and transfer money to any Capitec Bank client using their verified cellphone number
    • You can visit a branch and ask our service consultants to do the electronic funds transfer from your account to the beneficiary’s bank account for you. The money will usually be available after 2 working days

    • For direct purchases, you may increase your card purchase limit through our app or at a branch up to a maximum of R120 000 per day for 3 days

    For large amounts of cash, you have the following options:.

    • Use our appInternet banking or ask one of our service consultants to increase your ATM withdrawal limit up to R10 000 for up to 3 days

    • Remember that drawing and carrying large amounts of cash is risky

    I need cash, but can't find a bank/ATM. What now?

    You don’t need a Capitec Bank branch to access your Global One. Just pay for your shopping, accounts or fuel with your Global One card (zero purchase fees). You can also register for our Remote Banking services (cellphone app/Internet/*120*3279#) to manage your money any time or place. If you want to draw cash, remember that you can access the nationwide Saswitch ATM network. We also have agreements with PnP, Shoprite, Checkers and Boxer so you can draw cash from their tills. Check out the transaction fees.

    Why should I switch to Capitec Bank? 

    Who wouldn’t want simplified and affordable banking? Our fees are less than half the transaction costs of most other banks. Make the switch.

    What is credit life insurance?

    Credit life insurance is offered on all loans of 6 months or longer. It means that your family won’t be liable for the outstanding balance of the loan in the event of your death. We offer credit insurance at a rate of R3.08 – R4.50 per R1 000 you borrow. More credit insurance info.

    Tell me a bit more about your credit offer

    We’re a registered credit provider, which means that we subscribe to the responsible lending principles set out by the NCA. If your application’s successful the money will be available in your transaction/savings account within minutes.

    We offer up to R250 000 credit over 84 months at the most competitive rates in the market. We offer ​credit insurance for loans longer than 6 months. This means that if you are retrenched or in the event of death, we’ll settle your outstanding credit amount. Note that if you’re retrenched and you claim during the waiting period, only 50% of your outstanding credit amount will be covered.

    When you get credit, it is compulsory to have credit insurance to cover retrenchment and death. You do, however, have the freedom of choice to provide an existing policy for a Capitec credit plan, provided that it has all the necessary benefits. Upon applying and qualifying for credit, you’ll automatically get Global One which also gives you access to low-cost transacting, the most simplified banking and a range of savings plans.

    What's my credit estimate based on?

    It's based on your credit history with other credit providers and a calculation of your affordability. Use our credit calculator for a better idea of what credit costs.

    How soon are credit applications approved?

    When you apply for credit at one of our branches, successful applications will be approved in minutes. If you're applying online, by SMS (your name, surname and ID number to 30605 – your SMS will be consent for us to do a credit check) or telephone (call us on 0860 66 77 89), we will get in touch to discuss your options. You must be 18 years or older to qualify.

    The money will be available as soon as your application has been approved and can be accessed using your Global One card or our Remote Banking services.

    I haven't used my account for a while. Why can't I access it?

    All inactive accounts become dormant after 12 months. This means that the account will be frozen for security reasons and no further transactions can be made. To prevent this, simply transact on your account at least once every 12 months. If you'd like to reactivate a dormant account, visit your nearest branch with your ID book and an original proof of residential address.

    How much interest will I earn on my savings?

    You’ll earn the highest interest on a transaction account – depending on how much is in your account. To earn higher interest rates, consider opening a savings plan. Rates may change from time to time, so check our rates and fees for the latest info. Or download our our savings brochure.

    How do I get Global One?

    It’s easy and almost paperless – just visit your nearest Capitec Bank branch with the following:

    • Identification document (for credit applications, you must be 18 years or older)
    • Original proof of residential address (any of the approved documents in your name with your street address)
    • Latest salary slip (credit applications only)
    • 3-month bank statement (credit applications only)

    Can international payments be made to Capitec Bank accounts?

    Yes, but it'll be to your advantage if payments in a foreign currency from abroad are converted to South African rand (ZAR) by the sending bank before the money is paid. This simplifies the transaction and you know how much rand will be paid into your account. Find out more about international payments.

    Can I use my Global One card overseas? 

    Yes, you may only use your Global One card for travel-related expenses, and we may ask you for proof of travel. Click here for more info on this. Note that supplementary Global One cards can only be used in South Africa.

    Can I open an account if I'm not from South Africa?

    If you're not from South Africa and you want to open a Capitec Bank account, we can help you under any of the following conditions:

    • You have a valid passport
    • You have a valid permanent residence permit
    • You have a temporary work permit

    Find out more here.

    Do you offer foreign exchange services?

    We offer the following services to individual clients only (business clients are specifically excluded):

    • Issue debit cards that can be used outside of South Africa
    • Help clients receive money from abroad into their accounts
    • Open accounts for foreign nationals who are on contract in South Africa

    Find out more about our foreign exchange services.

    What is Capitec Bank's SWIFT code?

    Capitec Bank's SWIFT code is CABLZAJJ. ​Find out more about receiving international payments to your Capitec Bank account​.

    What are my tax obligations if I pay tax in another country?

    If you are liable to pay tax in a country other than South Africa we need your foreign tax number. Capitec bank is required by law to obtain certain international tax information from all our clients. The information will be reported to the relevant countries through the South African Revenue Services (SARS), based on the United States Foreign Account Tax Compliance Act (FATCA) and the Organisation for Economic Co-operation and Development (OECD) Common Reporting Standard for the Automatic Exchange of Financial Account Information. New and existing clients are required to confirm all countries other than South Africa where they are a resident for tax purposes or liable to pay tax. Clients must provide their tax identification number for the listed countries. If you are unsure of any information, please contact a professional tax consultant.

    Business Services

    Do you offer business banking?

    We don’t provide business banking for close corporations, companies, partnerships or trusts. We do, however, offer the following business services:

    My staff want to bank with you. Can you help? 

    We'll visit your workplace with a mobibank to help your staff get Global One facilities. They’ll need to bring a South African ID book and an original proof of residential address with their full name and address on it. Contact us now to arrange it.

    We also offer a free financial skills programme for employee groups to help them manage their own money, which we’ll gladly present at your workplace.

    General 

    What's your branch code?

    Our branch code (also known as a clearing code) for electronic transactions or Internet banking is 470010.

    Where can I find a branch?

    Our branches are conveniently located nationwide near main commuter routes and in shopping malls. Use our branch locator to find your nearest branch.

    Why can't I find the name of the product/service in my agreements?

    It may be because we recently updated our product references. For the latest references, see our product/service reference guide .

    What is the National Credit Act?

    The National Credit Act (NCA) is a piece of legislation that came into effect on 1 June 2007 to guard against overindebtedness and unscrupulous lending. The NCA also regulates the way in which credit is marketed to protect you from abusive marketing practices. We’re a registered credit provider and all our credit products are NCA-compliant. Please remember this when approaching all credit providers.

    After Saambou Bank and Unibank (Unifer), how do I know I'm safe?

    The failure of both institutions came about as a result of a lack of confidence by corporate depositors who held large deposits with these banks. They withdrew their money, causing the institutions to experience a shortage of cash, which is used to repay depositors their money. The lack of confidence by corporate depositors was caused by concern that the banks were granting loans that they wouldn’t be able to recover.

    We apply conservative credit polices to ensure that loans are collectable. We also apply very conservative cash management and cash supply management policies. We have a very large portion of long-term contracted funding from large institutions to ensure that our cash supply cannot be negatively influenced by short-term market sentiment. We've successfully and comfortably managed one local bank crisis in 2001 and the international bank crisis in 2008.

    Do you offer credit cards?

    We do offer a credit card.

    Our credit card rates and fees are:

    • Initiation fee: R100
    • Monthly fee: R50
    • Interest rate: 15% - 21% (based on your credit profile)

    Find out more about it on the credit cards page.  

    Do you offer home loans or car finance?

    We offer a home loan up to R5 million over 240 months with SA Home loans. Visit any of our ​Gauteng branches or ​selected KwaZulu-Natal and Western Cape branches and speak to a service consultant.

    For vehicles and anything else for that matter, we offer unsecured credit ​​up to R250 000​ over 84 months. This means that you do not need to use assets (like a house) to get the money. You can use this credit for anything you choose. It’s your decision as to how you spend this money – home renovations, a new car, education or anything else without any asset as security.

    What if I don't have proof of residential address?

    If you’re a South African citizen and an employed individual, pensioner or student, please download and print this Fica Declaration form. Complete it with your landlord, home owner, college residence manager, hostel manager or cohabitant. Then bring it and the other required documents to the branch to open your account:

    • Identification document
    • Latest salary slip (credit applications only)
    • 3-month bank statement (credit applications only)

    Remember that if the declarer is your cohabitant, they must also provide an original proof of their residential address, except where he or she is an existing Capitec Bank client. It’s not a requirement for the declarer to accompany the client to the branch but the client must obtain a copy of the declarer's identification document. If the declarer is an existing Capitec Bank client, it is not necessary to obtain the abovementioned documents.

    For a list of the approved documents and further information, please download the Fica flyer.

    How many branches/ATMs do you have?

    We have over ​690 branches nationwide – a number which is always increasing. They’re conveniently situated near main commuter routes and in malls.

    We have more than 930 ATMs at our branches and more than 2 400 ATMs inside other businesses. Saswitch connectivity gives you further access to more than 12 000 additional ATMs nationwide. Remember that you pay a fixed fee at these other ATMs no matter how much you draw.

    We also have agreements with selected retailers allowing you to draw cash at their tills for even less than it costs at an ATM! Alternatively, you can register for Remote Banking so you can manage your money anywhere, anytime with your cellphone or the Internet.

    Mobile Banking (*120*3279#)

    What is Mobile Banking?

    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 dialling *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.

    How long must I wait until I can use Mobile Banking?

    There is no wait at all. Once you have successfully registered at one of our branches you can start using Mobile Banking immediately.

    What is USSD?

    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.

    How long does a session last after I access the service?

    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.

    My cellphone suddenly stopped responding. What happened?

    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 dialling the service within 5 minutes.

    What type of cellphone do I need for Mobile Banking?

    Almost any cellphone that can receive and send SMSs can be used to access Mobile Banking.

    What are the airtime costs for using 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.

    How secure is Mobile Banking?

    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.

    Can I use someone else's cellphone for Mobile Banking?

    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.

    What must I do if someone knows my Mobile Banking PIN?

    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 34. 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.

    I've lost my cellphone. What​ ​must I do?

    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.

    I've forgotten my Mobile Banking PIN?

    To reset your Mobile Banking PIN, visit your nearest branch with an identification document or Global One card.

    I bought airtime and did not receive it. Why?

    We have no control over the service providers' systems and, as a result of technical issues on their systems, we may not be informed or aware of problems. This means that there could be delays in your airtime being topped up. We'll try process the transaction or reverse it the next business day after a reconciliation has been done.

    I bought electricity and didn't receive it. Why?

    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.

    I used the wrong number on a prepaid purchase. What now? 

    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.

    How do I know that the Capitec Bank clients I can pay are valid? 

    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.

    What if I made a payment to the wrong Capitec Bank client?

    We can't be held liable for incorrect payments, nor can we reverse payments after they have been processed. You need to ensure that the cellphone number is correct before making a payment. A confirmation screen will be presented to you during the transaction to confirm that the details are correct before entering your Mobile Banking PIN.

    What are the fees for Mobile ​Banking​?

    There is no monthly subscription fee for Mobile Banking. Balance enquiries, transfers to your own linked accounts, airtime purchases, electricity purchases and viewing your last electricity token purchased are FREE. Payments to other Capitec Bank clients, and money in or money out SMSs, after registering for SMS Update on Mobile Banking, will be charged for. View our rates and fees.

    Are there daily transaction limits?

    Yes. The following daily transaction limits apply:

    • Prepaid airtime up to R300
    • Prepaid electricity up to R10 000 (depending on your vendor)

    • Capitec Bank client payments up to R3000

    Why was my PIN blocked after I entered it incorrectly a few times?

    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.

    I lost/deleted the SMS with my electricity token. Can I view it again?

    You can only view the last electricity token that you bought.

    Why can't I use SMS Mul​ti Loan anymore?

    The multi loan will be 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.

    I bought airtime, but didn't receive a confirmation. Where is it?

    We use direct airtime top-up, which means that the cellphone number you choose will be topped up directly without the need for vouchers. For the person receiving the airtime, the whole transaction is simple and no action is required of them. They will get an SMS from us confirming that their cellphone was topped up and the amount of the top-up.

    Which service providers are supported for airtime purchases?

    We currently support 8ta, Cell C, MTN and Vodacom for direct airtime top-up.

    Why are airtime amounts the same for all service providers?

    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.

    How will I receive my prepaid electricity token?

    It'll be displayed on your cellphone screen and will also be sent to you by SMS.

    I haven't received my free basic electricity token. How do I get this?

    Ask your local electricity provider to find out whether you qualify and, if so, how you go about receiving it.

    ​I can't use my phone even though I have airtime. What now?

    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.

    Can I use Mobile Banking when travelling overseas?

    For technical reasons beyond our control, Mobile Banking can only be used within the borders of South Africa.

    Cellphone Banking App

    Is the cellphone app secure?

    The app was developed with security top of mind. Once the app is installed and activated on your cellphone, your money will be safe. Keep your Remote PIN secret and never share it with anyone.

    Can my accounts be accessed by an unauthorised SIM swap?

    No. No other person can access your accounts using the app if they do an unauthorised SIM swap on your cellphone number because it's linked to your cellphone.

    What if the cellphone on which I activated the app was lost/stolen?

    This is why we ask you to choose a Remote PIN that’s NOT EASY to guess. Keep your Remote PIN secret and never share it with anyone – it will help keep your money safe. Contact us immediately if your cellphone is lost or stolen and we will suspend your Remote Banking access.

    Can I activate the app on more than one cellphone or a tablet device?

    No. For security reasons, you cannot.

    How much does it cost to use the app?

    Access is free – there’s no subscription fee. Transaction fees apply for payments and payment notifications. See our transaction fees for details.

    Cell C, Vodacom and MTN subscribers with Android, Blackberry 10 and iOS devices pay zero data fees when using our app. This means you don’t need airtime or data to use the app, and you don’t pay for any airtime or data you do use on these networks and devices.

    We're still negotiating with Telkom, and phones with Windows Mobile, Blackberry 6 and 7 will soon be supported too.

    Can I use the app overseas?

    Yes, as long as you've already activated the app and the country you’re visiting supports roaming and you’ve activated international data roaming. Note the international roaming costs charged by your service provider. You can also use the app without roaming by accessing a secure WiFi network.

    Can I use the app when it's offline?

    You can use it to sign in and approve Remote Banking (Internet) transactions.

    I forgot to sign out after using the app. Is my money safe?

    Yes. You will be automatically signed out 5 minutes after last using the app.

    What happens if my card is lost or stolen, or has expired?

    When your card expires and is reissued, you will need to update the card details according to your new card. Alternately you can delete your old card details and load the new card.

    What should I do if my mobile device is lost or stolen?

    Your card information is safe and secure with MasterPass, and is not stored on your device. Without your personal SecureCode no one besides you will be able to transact with your MasterPass app.

    Capitec Bank MasterPass™ App

    What is the Capitec Bank MasterPass app?

    MasterPass by MasterCard® is a free digital wallet which stores payment and contact information in one central, secure location. This app improves your online shopping experience by making the checkout procedure faster and safer.

    It makes it faster because you only need to enter your card, billing and shipping details once. It is saved to the app and does not need to be re-entered.

    Is my card information stored within the MasterPass wallet?

    No, as soon as your card information has been entered into the wallet, your card number is automatically replaced by a token. This token will be used for transactions, keeping your card information private and secure at all times.

    What type of devices support the Capitec Bank MasterPass app?

    MasterPass has been designed to function on smartphones and tablets that support Android OS, Apple iOS and Windows. The smartphone and tablet needs to have an active SIM card and mobile data for it to operate.

    How do I download and install the Capitec Bank MasterPass app?

    To use MasterPass all you need to do is download the MasterPass app and register. Follow these steps:

    1. Before you start, ensure that you are registered for online shopping (e.g. MasterCard® SecureCode™) at a branch and have sufficient data
    2. Download the Capitec Bank MasterPass app from the Apple, Android or Windows app stores on your phone
    3. Install the app and accept the terms and conditions
    4. Scan your card or enter your card number. The wallet can take up to 6 MasterCard or Visa cards
    5. Load your billing and shipping information
    6. Secure your information with a password. For extra security, your MasterPass profile password should differ from your other apps
    7. You are now ready to experience quick, secure and convenient online shopping

    How do I use the Capitec Bank MasterPass app once I've downloaded it?

    1. When you are shopping online and you would like to check out your basket, choose the MasterPass option at any participating store
    2. A QR code (Quick Response code*) with a numeric code below it will be displayed
    3. Open the Capitec Bank MasterPass app and scan the QR code or enter the numeric code in the space provided
    4. MasterPass will then prompt you to choose a card from your list of cards
    5. Once you have chosen your (Capitec Bank) preferred card, MasterPass will request the CVC/CVV of your chosen card and SecureCode™ password that you set up when you registered for online shopping at the branch
    6. After you have successfully entered your SecureCode password, the payment will be processed and you will receive confirmation by e-receipt. You can go back to your list of e-receipts within the app at any time

    *QR code is a matrix type/2D barcode that is optically readable that contains information within it with regards to the payment.

    Is Capitec Bank MasterPass secure?

    The app was developed according to the strictest security standards. However, it remains your responsibility to protect your personal information, e.g., your password.

    What cards can I load in the Capitec Bank MasterPass app?

    MasterCard and Visa debit and credit cards, enabled for online shopping.

    Where can I use the Capitec Bank MasterPass app?

    Visit masterpass.co.za to see the latest list of participating merchants. A Buy with MasterPass button will appear on the checkout page of participating stores.

    How much does Capitec Bank MasterPass app cost?

    There are no fees or charges to clients to use the MasterPass app.

    What happens if my card is lost or stolen, or has expired?

    When your card expires and is reissued, you will need to update the card details according to your new card. Alternately you can delete your old card details and load the new card.

    What should I do if I think someone else knows my Capitec Bank MasterPass app password?

    You are able to reset your app profile password by choosing Change Password from the menu. Please note you will be required to re-enter your shipping and billing details for your profile as your old details will no longer be available when you reset your profile password.

    What can I do if I think my card stored in the Capitec Bank MasterPass app has been used fraudulently?

    If you notice any suspicious transactions on your account or suspect that you may have been a victim of fraud, contact us immediately on 0860 10 20 43 to report it.

    How do I view, update or edit any of my profile details that I provided when I first used the Capitec Bank MasterPass app?

    You can update your personal information by choosing the menu at the top of your app home screen. Enter your profile password and view, update or edit any of your details.

    What should I do if my mobile device is lost or stolen?

    Your card information is safe and secure with MasterPass, and is not stored on your device. Without your personal SecureCode no one besides you will be able to transact with your MasterPass app.

    How do I add a new payment card into the Capitec Bank MasterPass app?

    Choose the Cards tab on the home page of your MasterPass app. Choose the + button on your screen and follow the prompts to enter your new card details.

    How do I remove a card from the Capitec Bank MasterPass app?

    From your home screen on your MasterPass app select the Cards tab and select the actual card you would like to remove. You will be asked to Remove Card.

    How do I change my preferred payment card in the Capitec Bank MasterPass app?

    To change your preferred payment card, from your home screen on your MasterPass app choose the Cards tab and choose the card that you would like to set as your new default card. You will be asked to Set as your default card.

    Need some help or assistance with the Capitec Bank MasterPass app?

    Contact us on our 24hr channels:

    T 0860 10 20 43

    F +27 21 941 0770

    E [email protected]

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    Debicheck

    What is Debicheck

    The DebiCheck is a new type of debit order that requires you to confirm your debit order with your bank when entering into a contract with a service or credit provider. Using DebiCheck reduces the risk of an incorrect or a fraudulent debit order being collected because the debit order can only be done according the approved agreement. This does not affect traditional EFT debit orders.

    Don't know what an EFT debit order is? Learn all about different types of debit options.

    What is the difference between DebiCheck debit orders and other debit orders?

    DebiChecks are debit orders that you confirm, but may need to confirm again if there are critical changes to them (e.g. amount, payment date). Each one is registered before the first collection. You can ask your bank for the details of all the registered DebiChecks that may be processed to your account. You will not be able to reverse DebiChecks that match the information on the register at your bank, but can resolve any disputes with the service or credit provider.  Other debit orders do not have to be confirmed by you before collection. Your bank will process the EFT debit orders assuming that  the collecting party has a valid mandate in place. These debit orders can be reversed immediately if disputed within 40 days.

    Can I choose which debit orders are confirmed using DebiCheck? 

    It is not consumers, but the companies who use the debit order system that choose whether they want to use DebiCheck or not. You can ask the service or credit provider if they use DebiCheck to give yourself the peace of mind against incorrect and fraudulent debit orders being collected against your account.

    Will DebiCheck allow me to cancel a debit order?

    If a debit order does not match the information on the register at your bank, you may request that the bank suspend the debit order. The debit order will not be processed to your account in future but you should still contact your service provider to confirm that you are cancelling the debit order. Please note that suspending the debit order does not cancel the contract that you have. This is something you must do directly with the service provider.

    Download our latest transaction fees to learn about our fees for DebiCheck transactions