Know what you get, know what you pay
We’ve kept most of our digital fees the same for the 5th year in a row. We’ve also added new digital solutions and features on our app. The fees below are effective as of 1 March 2023.
We’ve kept most of our digital fees the same for the 5th year in a row. We’ve also added new digital solutions and features on our app. The fees below are effective as of 1 March 2023.
Monthly administration fee
Monthly administration fee
Purchase at local Mastercard® card machine3,6,8,10,13 | FREE |
Card purchase online/scan to pay/telephone/Apple Pay/Samsung Pay/Google Pay3,6,7,8,13 | FREE |
International processing fee13 | 3.00 |
Airtime/data/SMS bundles (app/Internet/ *120*3279#1) | 0.50 |
Electricity (app/Internet/ *120*3279#1) | 1.00* |
Airtime (other bank ATM) | 8.00 |
Pay bills/vouchers/LOTTO (app/Internet/ *120*3279#1) | 1.50* |
Capitec Pay (app/Internet) | 1.00 |
*The following fees are effective as of 1 June, 2023.
Transfer between own accounts (app/Internet/ *120*3279#1/Capitec ATM/branch2) | FREE |
Payment received from Mastercard® MoneySend(card /virtual card) | 1.00 |
Early release: fixed-term savings (Capitec ATM)9 | 9.50 |
Early release: tax-free savings9 | |
Capitec ATM | 9.50 |
Branch | 300.00 |
Payment to Capitec client (with verified cellphone number) | |
App/Internet/ *120*3279#1 | 1.00 |
Capitec SST | 5.00 |
Payment to other Capitec account | |
App/Internet | 1.00 |
Branch | 10.00 |
Capitec SST | 5.00 |
Payment to other bank | |
App/Internet | 2.00 |
Branch | 10.00 |
Capitec SST | 5.00 |
Immediate payment to other bank (app/Internet/card) | 7.50 |
Send Cash | |
R40 - R1 000 (app/Internet/ *120*3279#1)11,12 | 9.50 |
R1 010 - R3 000 (app/Internet)11,12 | 16.00 |
PayShap | |
Less than R100 | FREE |
R100.01 - R1 000 | 1.50 |
R1 000.01 - R3 000 | 3.00 |
Add, amend or cancel recurring payment (stop order) | |
---|---|
App/Internet | FREE |
Capitec SST | 5.00 |
Branch | 10.00 |
Recurring payment (stop order) | |
App/Internet/branch to other Capitec account2 | 1.00 |
App/Internet/branch to other bank2 | 2.00 |
Recurring payment to own account (app/Internet/SST/ branch) | FREE |
Stop debit order (app/Internet/ branch2) | 10.00 |
Printed DebiCheck list (branch2) | 10.00 |
DebiCheck authentication | |
App/Internet/ *120*3279#1 | 1.00 |
Capitec SST | 5.00 |
Branch2 | 10.00 |
PnP/Shoprite/ Checkers/Boxer tillpoint4 | 1.75 |
Capitec ATM | 9.50 per 1 000 |
Other bank ATM | 10.50 per 1 000 |
International Mastercard® ATM3,4,6,8,10 | 80.00 |
International Mastercard®card machine3,4,6,8,10 | 9.00 |
Main savings account statement | |
---|---|
App/WhatsApp/Internet/ *120*3279#1 | FREE |
Capitec ATM/SST | 4.00 |
Branch2 | 16.00 |
Flexible savings/tax-free savings plan statement | |
App/Internet | FREE |
Capitec ATM/SST | 4.00 |
Branch2 | 16.00 |
Fixed-term savings/tax-free savings plan statement | |
App/Internet | FREE |
Capitec ATM/SST | FREE |
Branch2 | FREE |
Credit card statement (first statement free) | |
App/Internet/ *120*3279#1 | FREE |
Branch2 | 16.00 |
Credit card transaction history | |
App/Internet | FREE |
Capitec ATM/SST | 4.00 |
Branch2 | 16.00 |
Capitec (app/Internet/ *120*3279#1/card/ branch2) | FREE |
Other bank card machine | 0.40 |
International Mastercard® card machine6,10 | 3.00 |
Other bank ATM | 8.00 |
International Mastercard ATM6,10 | 9.00 |
Capitec card machine/Capitec ATM | FREE |
Local other bank card machine/online/scan to pay/telephone | 0.40 |
International Mastercard® card machine/online /scan to pay/telephone6,10 | 3.00 |
Local other bank ATM | 8.00 |
International Mastercard® ATM6,10 | 11.00 |
Internet banking token on keyring/replacement token on keyring | 120.00 |
Replacement/ supplementary card (branch) | 70.00 |
PIN change (app/Internet/ *120*3279#1/Capitec ATM/branch) | FREE |
PIN reset (branch) | 10.00 |
Stop lost/stolen card (app/Internet/ *120*3279#/branch2) | FREE |
In-app message | FREE |
SMS | 0.30 |
FREE | |
SMS | 0.30 |
FREE | |
SMS | 0.30 |
Cash for loan repayment | FREE |
Notes (cash-accepting ATM) | 1.40 per 100 |
Notes (branch) | 4.00 per 100 |
Coins (branch/coin deposit machine) | 15.00 per 100 |
Incoming international payment in rand or foreign currency 4,5 | 50.00 |
Exchange Control Application Fee 4,5 | 1 000.00 |
Disputed debit order: last 40 days (app) | 5.00 |
Disputed debit order: last 40 days (branch) | 50.00 |
Disputed debit order: last 40 days (SST) | 25.00 |
Disputed debit order: after 40 days (branch) | 80.00 |
Disputed debit order: after 40 days (SST) | 40.00 |
Disputed DebiCheck: last 12 months (branch) | 50.00 |
Disputed DebiCheck: last 12 months (SST) | 25.00 |
Reversal of payment request to Capitec account (last 40 days) | 7.00 |
Reversal of payment request to other bank account (last 40 days) | 160.00 |
Local/ international card machine/online/ scan to pay/ telephone purchase (unsuccessful dispute, last 60 days)10 | 80.00 |
Card delivery fee | FREE |
Cancellation of card delivery | 150.00 |
Fix savings account (app/Internet/ branch) | FREE |
Card limit update (app/Internet) | FREE |
Card limit update (branch2) | 10.00 |
Card limit update (SST) | 5.00 |
Debit order | 3.50 |
Returned debit order: DebiCheck (insufficient funds) | FREE |
Returned debit order: EFT (insufficient funds) | 7.00 |
Close account (branch) | 10.00 |