Make a payment

How to add your card to Apple Wallet:  

Step 1: Sign in on our app 

Step 2: Tap Cards and Add to Apple Wallet.

Step 3: Follow the on-screen prompts 

Follow these steps to pay in-store with your phone or watch.

Pay with your credit or debit card. 

What you need to get a credit card:  

• Your original ID document (you must be 18 or older) 

• Your latest salary slip 

• A 3-month bank statement (if your salary isn't paid into a Capitec account) 

• A minimum monthly salary of R3 000 or R5 000 if you're self-employed

How to get a credit card: 

Visit your nearest branch or get a personalised credit estimate online or on our app. 

Find out more

How to get a debit card:

You’ll need to open an account to get a debit card.

To open an account, download our app from the Android, Apple or Huawei app store and follow the on-screen prompts – no branch visit needed!

Have your card delivered for a fee or collect it at a branch for free.

What you need to open an account on our app:

• A smartphone with a South African phone number
• A valid email address
• Your South African ID number 

Learn more

How to add your card to Garmin Pay:  

Step 1:  Download the Garmin Connect Mobile app from your phone’s app store   

Step 2: Go to Garmin Devices and choose your watch 

Step 3: Follow the on-screen prompts to add your card 

How to pay with Garmin Pay:  

Step 1: Press and hold the light key to open the controls menu    

Step 2: Scroll to the wallet icon    

Step 3: Enter your passcode to authenticate     

Step 4: Choose your Capitec card to pay   

Learn more

How to add your card to Google Wallet: 

Step 1: Sign in on our app 

Step 2: Tap Cards 

Step 3: Tap Add to Google Pay and follow the on-screen prompts. 

Follow these steps to pay in-store with Google Pay 

How to add your card to Samsung Wallet:  

Step 1: Open the Samsung Wallet app  

Step 2: Go to the Home tab and select Payment Cards 

Step 3: Tap Add Card 

Step 4: Scan your card, tap your contactless card on the back of your phone, or enter the details manually 

Step 5: Once your card is validated, agree to the terms of service

Step 6: Verify your card when prompted by SMS 

Step 7: Enter your signature on-screen 

Find out how to pay in-store with Samsung Pay  

How to use scan to pay: 

Step 1:  Sign in on our app  

Step 2: Tap Transact

Step 3: Tap Scan to Pay  

Step 4: If it's your first time using scan to pay, read and accept the agreement, then allow the app to access your camera

Step 5: Tap Scan to scan the QR code displayed at the paypoint, on the card machine in-store or at an online checkout

Step 6: Choose a card to pay with (your debit card is your default payment card)

Step 7: Enter the amount

Step 8: Tap Pay

Learn how to add scan to pay to your favourites for quick access. 

How to make EFT payment using our app: 

Step 1: Sign in on our app and tap Transact 

Step 2: Tap Pay beneficiary 

Step 3: Choose the beneficiary and select Pay  

Step 4: Enter the payment details 

Step 5: Tap Pay

Step 6: Enter your PIN or use biometrics to confirm your payment 

How to make immediate payments using our app: 

Step 1: Sign in on our app and tap Transact 

Step 2: Tap Pay beneficiary 

Step 3: Choose the beneficiary and select Pay  

Step 4: Enter the payment details 

Step 5: Tap Immediate payment 

Step 6: Enter your PIN or use biometrics to confirm your payment 

Learn more 

Pay a flat fee of just R175 to make an international payment and receive the current exchange rate. 

How to make an international payment:  

Step 1: Sign in on our app and tap Transact 

Step 2: Tap International payments 

Step 3: Tap Make a payment and follow the on-screen instructions 

Learn more 

How to use PayShap:  

Step 1: Sign in on our app and tap Transact

Step 2: Tap PayShap, then enter cellphone number or ShapID 

Step 3: Choose Bank and enter payment amount 

Step 4: Confirm the payment with your PIN or biometrics 

Learn more 

How to send cash using our app:  

Step 1: Tap Transact 

Step 2: Tap Send cash  

Step 3: Choose 'From' account

Step 4: Enter the amount you want to send

Step 5: Create a 4-digit secret code (this will be used to collect the cash) 

Step 6: Tap Send 

Step 7: Read the terms and conditions, tick the boxes and tap Accept

Step 8: Tap Yes to confirm the transaction 

Step 9: Tap Share Reference Number button 

Step 10: Send the secret code to your recipient in a separate message 

Learn more 

How to pay a bill on our app: 

Step 1: Tap Transact

Step 2: Tap Pay bills

Step 3: Choose or search for a biller

Step 4: Enter the reference number and tap Confirm

Step 5: Review the bill details and tap Pay now

Find out more