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.

    language policy

    talk the talk

    We try to ensure that you have the option to bank in your own language. Read our language policy below for more info. 

    1. Introduction

    Section 63(1) of the National Credit Act ("the Act") states that "a consumer has a right to receive any document that is required in terms of the Act in an official language that the consumer reads or understands, to the extent that is reasonable having regard to usage, practicality, expense, regional circumstances and the balance of the needs and preferences of the population ordinarily served by the person required to deliver that document".

    Capitec Bank Limited, registration number 1980/003695/06 ("Capitec"), as a registered credit provider (NCRCP13), was required, as a condition of its registration requirements, to submit its language proposal taking cognisance of the criteria as set out in section 63(1) above. The effective date of approval of Capitec's language policy proposal was 17 August 2009.

    2. Our language policy

    Capitec proposes to provide support to the client and documentation that is required to be delivered to the client in terms of the Act as follows:

    2.1 Capitec will provide credit agreements in the following 3 (three) languages: English, isiZulu and Sepedi. In addition to providing documents required under the Act in English, isiZulu and Sepedi, Capitec will offer a summary of the salient terms of written credit agreements in each of Tshivenda, Xitsonga and Afrikaans. Capitec will provide credit agreements in English, isiZulu and Sepedi within 6 months after approval of Capitec's language proposal. The summary of the salient terms of written credit agreements in each of Tshivenda, Xitsonga and Afrikaans will be provided within 12 months of approval of Capitec's language proposal.

    2.2 Capitec will provide pre-agreement statements and quotations (quotes) in English, isiZulu and Sepedi within 6 months from the date of approval of Capitec's language proposal. Within 12 months of the approval of Capitec's language proposal Capitec will provide quotes in isiXhosa, Afrikaans and Setswana, within 18 months of the approval of Capitec's language proposal Capitec will provide quotes in Sesotho, Xitsonga and siSwati and within 24 months of approval of Capitec's language proposal Capitec will provide quotes in Tsivenda and isiNdebele.

    2.3 Capitec will provide enforcement notices in English, isiZulu and Sepedi within 6 months from the date of approval of Capitec's language proposal. Within 12 months of the approval of Capitec's language proposal Capitec will provide enforcement notices in isiXhosa, Afrikaans and Setswana, within 18 months of the approval of Capitec's language proposal Capitec will provide enforcement notices in Sesotho, Xitsonga and siSwati and within 24 months of approval of Capitec's language proposal Capitec will provide enforcement notices in Tsivenda and isiNdebele.

    2.4 Capitec's brochures regarding Capitec's savings, credit and debit card products are available in English, Afrikaans, isiZulu, isiXhosa, Setswana, Sesotho and Sepedi. The brochures on Capitec's website regarding Capitec's savings, loans and debit card products are available in English, Afrikaans, isiZulu, isiXhosa, Setswana, Sesotho and Sepedi.

    2.5 Capitec's Internet website and Internet Banking is only available in English.

    2.6 Capitec, will within 18 months after the approval of its language proposal, provide ATM transactions in English, isiZulu and Sepedi.

    2.7 Capitec's Client Care Centre provides support in Setswana or Sesotho, isiZulu, isiXhosa, Afrikaans and in English. Should a client contact the Client Care Centre at night and the employees on duty cannot assist the client in his or her preferred language, the client will be contacted in the morning by a Client Care agent in the language the client requested.

    2.8 Insofar as documents required to be furnished under the Act will be provided in isiZulu and Sepedi, and summaries provided in the other proposed languages, this will be done to the extent that it is practical and reasonable. Where, for instance, a certain term or phrase on such a document is not reasonably capable of being translated in a comprehensible concise manner, such term or phrase will be expressed in English (but explained to the client in a language of his or her choice, either verbally or by the aid of a glossary of terms).

    2.9 The timetable referred to in paragraphs 2.1 to 2.6 above excludes the period between November, December and January of each year and the choice of the further incremental dates, for the implementation of the proposed language policy is not arbitrary but predicated on the notions of practicality and expense. During the months of November, December and January Capitec cannot embark on development projects.

    We anticipate that we will experience problems in the translation of specialised financial terminology and legal terminology into languages other than English, resulting in concerns that these documents will currently not have the necessary legal standing in South African law courts or be standardised across all languages. This has resulted in Capitec having to adopt the stance that any documentation requiring clients' signatures must be obtained on the English version only.