Does the Capitec Main Account earn interest?

Yes. The Capitec Main Account earns interest on a positive balance, making it suitable for everyday banking while still helping your money grow.

What is the minimum balance for the Main Account?

The Main Account requires a minimum balance of R30.

What fee applies to the Capitec Main Account?

The Capitec Main Account has a monthly admin fee of R7.50. Clients should always check the latest official pricing and fees for the most up-to-date information.

How can I manage my Main Account savings?

You can manage your Main Account and savings plans using the Capitec app, internet banking, *120*3279#, and at Capitec branches.

Can I open additional savings plans with my Main Account?

Yes. You can use your Main Account together with Capitec savings plans to save towards different goals and earn higher interest on qualifying savings options.

Main Account

Earn interest on a positive balance in your main savings account. Get started on our app.

Calculate savings View interest rates Find a branch

Your main account has a R30 minimum balance and just R7.50 monthly admin fee, with easy transactions at lower, transparent bank costs.

Benefits

Earn interest per year on daily balances
Easy transactions at lower, transparent bank costs
Manage your savings plans and your money using our app, *120*3279#, Internet banking and your Main Account card
Grow your money with up to 10 free savings plans and earn higher interest
Access to Mastercard® Priceless® Cities worldwide

Capitec main account interest rates

All interest rates quoted are nominal annual compounded monthly (NACM) rates.

Amount (R)	R0 - R24 999		R25 000 - R99 999		R100 000 - R249 999		R250 000 +
	Nominal	Effective	Nominal	Effective	Nominal	Effective	Nominal	Effective
Interest rate (%)	2.00%	2.02%	2.00%	2.02%	2.00%	2.02%	2.00%	2.02%

R0 - R24 999
	Nominal	Effective
Interest rate (%)	2.00%	2.02%
R25 000 - R99 999
	Nominal	Effective
Interest rate (%)	2.00%	2.02%
R100 000 - R249 999
	Nominal	Effective
Interest rate (%)	2.00%	2.02%
R250 000 +
	Nominal	Effective
Interest rate (%)	2.00%	2.02%