Open my info

my finds

remove bookmarks
    You don't have any bookmarks saved. Click the star icon on a panel to add it to your bookmarks. Your bookmark has been saved. Bookmark removed.

    privacy & security

    keeping it secure online

    Internet Banking is a convenient service that allows you to manage your money any time or place. Here's what you need to do to keep your cash safe if you're using it.

    Find out what else you can do to access your account safely and securely from our Internet Banking sign-in page. https://direct.capitecbank.co.za/ibank/

    Secure Internet Banking

    We have taken great care to offer you a secure online banking portal to safeguard your money using:

    • secure design
    • daily vulnerability assessments
    • 2-factor authentication through your Internet Banking security token

    Security elements

    Username

    This is the name you choose during registration to assign to your Internet Banking profile for identification purposes. As with all sign-in details, keep your username secret to make it more difficult for criminals to access your account and reduce the possibility of attempted identity theft.

    Note that if you call us (0860 10 20 43) with a specific online banking query, we may ask you for your username. We have to do this to correctly identify your Internet Banking profile before we can help you.

    Password

    Your password is 6 – 18 characters long and includes letters and/or numbers. Choose a Internet Banking password that's hard to guess and not obvious to those who know you. Changing passwords often will stop others from accessing your account at a later stage should they see you typing it while you are signing in. Don't ever share your password with anyone, not even Capitec Bank employees will ask you for it.

    Security token password

    Your security token is linked to your profile and generates unique passwords for authentication purposes during Internet Banking sessions. These passwords help keep your account/s and money secure, and are needed when you sign in to Internet Banking to pay or create beneficiaries and update your profile details. These passwords can be used once and only for a limited time, so they are useless to someone shortly after they've been generated and used. Unlike passwords sent by SMS, they can't be intercepted as long as the security token stays in your possession and you don't enter them anywhere else other than on the Capitec Bank Internet Banking site. During registration you'll need to choose the security type that you prefer using.

    Validating our Internet Banking site

    When you registered for Internet Banking, your service consultant took your photograph and linked it to your Internet Banking profile. Always check that the photograph displayed is in fact you and that it is consistent with the photographs displayed on your previous sessions. If your profile photograph has changed without your knowledge or you suspect that you are not on the Capitec Bank Internet Banking site, do not continue transacting. Please contact us on 0860 10 20 43 immediately.

    If you're in doubt as to whether you are on our website, ensure that the URL (in the address bar) is "https://direct.capitecbank.co.za/ibank/". You can verify the digital certificate and also check the padlock in the browser.

    Internet Banking security tips

    • Ensure that no one has unauthorised access to your computer and security token
    • If you lose your security token (cellphone or keyring), report it immediately on 0860 10 20 43
    • Don't open suspicious or unfamiliar emails and never click on attachments or links in unexpected emails
    • Poor grammar and incorrect spelling is often an indication that any email you receive and/or website you visit should be treated with extreme caution
    • Never access the Capitec Bank website through a link. Instead, always type in the address or save the address as a favourite once you're sure that you're on our website
    • Avoid using public terminals like Internet cafes for online banking
    • Don't open other websites while you are signed in. Only have a single browser window or tab within the browser window open
    • Install and use the latest antivirus software
    • Ensure that your computer has the latest operating system and browser updates installed
    • Check the digital certificate to verify the authenticity of the sign-in page
    • A green indicator will be displayed in the address bar to confirm that you are visiting a secure website. This indicator varies for different browsers but will always appear in one form or another if the site is secure
    • Keep your sign-in details secret. No Capitec Bank employee is allowed to ask you for this information