Access facility

Get access to revolving credit of up to R500 000 to use anywhere. Plus, you only pay for it when you use it.

See What You Could Get How to Apply Rates and Fees

Why choose an access facility?

Convenient access to up to R500 000 revolving credit
Repay the credit used over a period of up to 60 months
Access your available credit on our app or Internet banking
You only pay for it when you use it

How to apply

Online or on our app
Call us on 0860 66 77 89
Visit a branch

Documents needed

Original ID document (must be 18 years or older)
Latest salary slip
A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)

Manage your access facility on our app

View and access your available balance 24/7
Transfer money to and from your access facility
Choose the repayment amount or period that suits you when you transfer money
You can make additional payments to pay it off faster

Access facility rates and fees

Up to R1 207.50

Initiation fee

R69

Monthly fee

(R0 without active balance owing)

12.50% - 21.00%

Interest rate

(based on your credit profile)

Credit insurance

Depending on your personal credit profile, credit insurance could be optional.
We offer credit insurance if you don’t have your own.

What makes our credit insurance great

Unlike other insurance policies your premiums become lower over time. That’s because the monthly premium is calculated based on how much you owe on your loan. So the more you pay off on your loan, the lower your insurance payment becomes.