Transact

Go cashless and find a better way to bank. Simply use our app, pay with your card or tap your phone/watch – it’s easy, fast and safe.

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Updated fees from 1 March

While our fees will change, we’ve still kept them simple to give you the best value.

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Win with Capitec Pay

We're giving away R1 million in cash prizes. To enter, check out safely online with Capitec Pay 3 times or more.

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We can help with your credit repayments

WhatsApp us on 072 822 1582 or SMS your SA ID number or foreign passport number to 30679, and we’ll call you back. You can also call us directly on 0860 66 77 18.

Find a better way to bank

Switch to us and see how easy it is to use less cash with our secure digital payments. Plus, you save on fees while getting cash back!
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Scan to pay

No need for cash or cards, just scan to pay any major QR code from our app!

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Pay me

A safe and contactless way to get paid quick-quick by other Capitec clients .

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Samsung Wallet

You can now add your debit or credit card on the Samsung Wallet to make easy, fast and safe payments with Samsung Pay.

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Virtual card

Your virtual card is the ultimate in digital convenience, and it’s waiting for you on our app. Free, secure & easy to load for app, online & QR purchases.

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More ways to go cash-free

There are many ways to do digital transactions. Find what works for you, and make sure to update your limits to shop online and on your favourite apps.
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Bank on your cellphone

Dial *120*3279# for balances, airtime and account access at no monthly cost.

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Send cash

The money you send can be collected for free anywhere in SA, no bank account needed.

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Immediate payments

For a fee of just R7.50, beneficiaries at other banks can get their money instantly.

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Update limits

Set your card limits to shop online and on your favourite apps.

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Save on fees

See how much you can save when banking on our app.

TransactionAppBranchSavings
Pay meFree----
Statement 1 - 3 monthsFreeR16.00R16.00
Update card limitsFreeR10.00R10.00
Add, amend or cancel recurring paymentFreeR10.00R10.00
Payment to other Capitec accountR1.00R10.00R9.00
DebiCheck authenticationR1.00R10.00R9.00
Payment to another bank accountR2.00R10.00R8.00
Pay me
AppBranchSavings
Free----
Statement 1 - 3 months
AppBranchSavings
FreeR16.00R16.00
Update card limits
AppBranchSavings
FreeR10.00R10.00
Add, amend or cancel recurring payment
AppBranchSavings
FreeR10.00R10.00
Payment to other Capitec account
AppBranchSavings
R1.00R10.00R9.00
DebiCheck authentication
AppBranchSavings
R1.00R10.00R9.00
Payment to another bank account
AppBranchSavings
R2.00R10.00R8.00