Stolen card or suspected fraud? Stop your card immediately. Want your payments and subscriptions to continue? Replace it instead.
Stopping a card is permanent. All transactions and subscriptions linked to that card will stop.
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Alternatively, click below to automatically open WhatsApp and add Capitec as a contact.
If you’d like to speak to a Client Care agent to report and stop your lost or stolen Personal Banking Card, call us on 0860 10 20 43 or +27 21 941 1377 (if outside SA).
Stopping a card is permanent. All transactions and subscriptions linked to that card will stop.
If you’d like to speak to a Call Centre agent to report and stop your lost or stolen Business Banking Card, call us on 0860 30 92 50and choose option 1 (available 24 hours a day).
Misplaced your card? You may not need to stop it.
Freeze your card if you've temporarily misplaced it and expect to find it again soon. The Freeze Carde feature is designed to help protect your account while you look for your card. It's not intended to stop subscriptions or payments.
If you think your card is temporarily misplaced, you can freeze your card instantly on our app. Unfreeze it later if you find it – no replacement needed.
If you want a new card without interrupting payments and subscriptions, you can replace your card.
If your card has been stolen or you suspect fraud, you need to stop it immediately.
| Stop card | Replace card | Freeze card |
| Use this option if your card is stolen or you suspect fraud | Use this if you want a new card but don’t want to stop existing subscriptions or payments | Use this card if your card is temporarily misplaced |
| Stopping your card is permanent and cannot be undone | Replacing your card gives you a new card and card number | Freezing your card is temporary. The card is blocked but not closed |
| When you stop a card, it’s closed straight away | Existing payments and subscriptions continue | All transactions stop while the card is frozen (this includes withdrawals, purchases, subscriptions and card‑based payments) |
| All transactions and all subscriptions linked to the card will decline | Digital wallets linked to the card will continue to work | When you unfreeze it, the same card and card details stay active |
| The card will no longer work in digital wallets | No need to re-set subscriptions or payments | You do not need a new card. You can only freeze your card on our app |
| You need to get a new card with new card details. For physical cards, you’ll pay a replacement fee. For virtual cards, simply create a new one on our app | You can replace your card on our app. | A frozen card cannot be added to Google Pay, Apple Pay, Samsung Pay or Garmin Pay |
