What personal banking services does Capitec offer?

Capitec offers everyday transactional accounts (Global One), debit cards, digital payments, mobile and online banking, savings options, credit facilities, financial tools and customer support — all designed for simple and affordable personal banking.

How do I open a personal bank account with Capitec?

You can open a personal bank account with Capitec in-app, online, or in branch. The Global One account is the main personal transactional account and gives you access to payments, digital tools and banking services. Identification and required documentation vary by channel.

Can I manage my Capitec personal account using the mobile app?

Yes. You can use the Capitec mobile banking app to check balances, make payments, send cash, buy vouchers, manage cards, apply for credit or financial products, and get alerts — all from your phone.

Is Capitec personal banking safe?

Yes. Capitec uses secure login, encryption and multi-factor authentication (Remote PIN or token) to protect your personal banking. Follow fraud prevention advice from the Fraud Centre to keep your account safe.

Where can I find help and support for personal banking?

Help and support for personal banking are available in the Capitec app, on the website’s Help Centre pages, and by contacting Capitec’s client care or visiting a branch. FAQs, guides and tools are also available online.

Simplified banking

Imagine banking that works for you – just like it does for over 24 million South Africans. They’re banking smart, paying less and getting more value every day with us. Bank with them – bank Capitec.

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Transact

Use your card, bank on our app or Tap to Pay, you choose.

Transact

Save

Open up to 10 savings plans and buy shares on our app.

Save

Insure

Get more cover for less with our Funeral Cover and more.

Insure

Credit

Choose a personalised credit solution that suits your needs.

Credit

Annual results 2026

Our headline earnings are up 23% to R16.8bn. See how our growth is making a meaningful difference.

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Free Capitec Connect-to-Connect calls

Switch to Connect to enjoy free Connect-to-Connect calls. No setup, opt-in or effort needed.

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New Samsung Galaxy A05 deal

Get 5GB (30-day) every month, for 12 months when you buy a phone from Capitec Connect on our app.

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Thank you for 25 years

We're celebrating 25 years of progress. See how we're honouring the journey you've helped shape.

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Personal Banking

Bank on simple fees in 2026

In a world full of confusing and changing prices, we innovate to keep bank fees simple.

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Open an Entrepreneur Account

Run your business from your phone. Plus, get access to credit, a personalised bank card and rewards.

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Capitec Rewards

Enjoy cash back, exclusive discounts and amazing deals.

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Banking for your firsts

Your dreams? We see them. Bank on us to help you study, save and stay connected.

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Capitec Connect

Connect your way with affordable everyday prepaid bundles for data, minutes, WhatsApp and streaming – plus a Connect Advance with Capitec Connect.

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VAS

Do life on the go. Buy airtime and electricity, pay bills and more – 24/7.

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Transact

Use your card, bank on our app, shop online or pay with your phone. There are many ways to pay, but with us you're guaranteed to pay quick-quick – one of the reasons why we are SA’s best digital bank.

Save

We believe in easy ways to save. That's why you can buy shares on our app, and open up to 10 savings plans to help you save for a rainy day, that new car or a little extra for your retirement.

Insure

Death and other unexpected life events could affect your family or your ability to repay debt. That's why you always get more cover for less with our Funeral Cover and Credit Insurance.

Credit

Whether you need a loan now or revolving credit for later, a credit card for day-to-day transactions or a home loan – we’ve got it all.