Bank on our app

Pay people and accounts, make immediate payments, get credit and more without having to visit a branch.

Capitec banking app

How to get the app

Simply search “Capitec Bank” in your app store or use the links below to download our remote banking app.

You can do it all on our app

The app is designed with your convenience in mind, with quick and simple navigation, as well as the following added features:

Open a Capitec account

Simply take a selfie and enter your ID number – no branch visit needed!

Personalise your home screen

See all your accounts and balances at a glance.

Scan to pay

Scan all the major QR codes straight from the app.

Create a personalised Pay me QR code

For a quick, safe way for Capitec clients to instantly pay money into your account.

Customise your favourites

Set up shortcuts on your home and sign-in screens for one-tap access to the features you use the most.

Track your spend

Get a quick overview of how you're spending your money with categories like food, transport or communication.


You can receive all your Money In/Money Out messages either on our app for free, or as an SMS at a cost.

Use biometrics

Sign in and authenticate with fingerprint or facial recognition if your phone supports this.

Activate your virtual card

It’s free, safe and easy to load for all your app, online and scan to pay transactions.

Manage contactless card transactions

Turn your card’s tap to pay function on and off. 

It's free

Our app is free to download and there’s no monthly subscription.

It's also free to use on most networks: MTN, Vodacom, Cell C and Telkom subscribers pay zero data charges when they use our app.  

You'll save

Beneficiary payments can be done at a fraction of the branch cost.

Plan and manage your budget

Take control of your money and track your spending.

It's convenient

You can access the app on the go from your cellphone.

Added security

Every transaction is protected by your Remote PIN, so never share it – keep it secret.

What can you do on it?


  • Make payments (people or accounts)
  • Make an immediate payment for just R6.50
  • Buy airtime, data and SMS bundles (for yourself or a friend)
  • Buy electricity (for yourself or a friend)
  • View your last electricity tokens purchased
  • Add beneficiaries (your own, Capitec-registered or credit card)
  • View, sort, update and delete beneficiaries
  • Add recurring (stop orders) and future-dated payments
  • View transaction or beneficiary payment history
  • Do credit facility transfers
  • Stop and/or dispute debit orders
  • Email electronically stamped statements
  • Buy airtime in custom amounts
  • Pay a Capitec client using their verified cellphone number
  • Pay DStv accounts
  • Send cash to family and friends
  • Track your spend with a quick overview of your transactions with categories like food, transport and communication
  • Approve DebiCheck mandates
  • Manage contactless card transactions by turning Tap to Pay on and off
  • Sign in and authenticate with fingerprint or facial recognition if your phone supports this
  • Activate your virtual card. It’s free, safe and easy to load for all your app, online and scan to pay transactions

  • View your available account balances
  • View account details
  • View transaction details
  • Buy and sell shares on the EasyEquities widget
  • View or email your transaction history (money in and money out)
  • Transfer money between your savings accounts
  • Add recurring (stop orders) and future-dated transfers
  • Send your account details by email or SMS
  • Create flexible savings accounts
  • Fix your savings accounts
  • Choose a name for your flexible savings accounts

  • See how much credit you could get
  • Apply for a personal loan or credit card
  • View credit plan balances
  • View credit plan details
  • Do credit facility transfers
  • View your credit rating and ways to improve it
  • Make a payment into your credit account

  • Stop lost or stolen cards immediately
  • Update your daily card limits
  • Activate Tap to Pay

  • Step-by-step guide to create your budget
  • Track your spending on the go and take control of your money

View your profile using the menu at the top of the home screen and do the following:

  • Change your Remote app PIN
  • Change your SMS Update settings to free in-app transaction notifications
  • View your notice history
  • View or email tax interest certificates
  • View your Remote Banking agreement
  • Save and verify your email address for added security
  • Personalise your home screen 
  • Use biometric sign in and authenticate using your fingerprint or facial recognition