Fees 2025 Retail - Article Header - Desktop
 

This year, we’re giving you more value with 5 key fees – making banking simpler, clearer and more affordable than ever.  

2025 fees:

  • Monthly fee R7.50
  • Capitec to Capitec payment R1
  • Payment to other banks R2
  • Debit order R3
  • Immediate payment to any other bank R6
  • Cash withdrawals (per R1 000) at any bank’s ATM in SA R10  

Valid from 1 March 2025.

 
Transact Icon
Global One

Monthly administration fee

R7.50
Credit Icon
Credit card

Monthly administration fee

R50.00

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Any South African card machine-FREE-
Online/scan to pay/Apple Pay/Samsung Pay/Garmin Pay/Google Pay3,6,7,8,12-FREE-
Airtime/data/SMS bundles0.50--
Electricity1.00--
Airtime (other bank ATM)-10.00-
Pay bills / vouchers / LOTTO2.00--
Vehicle licence renewal (service fee)50.00--
Capitec Pay1.00--
International processing fee12-3.00-
Any South African card machine
Digital13
(App1 / Online / USSD)
-
CardFREE
Branch2-
Online/scan to pay/Apple Pay/Samsung Pay/Garmin Pay/Google Pay3,6,7,8,12
Digital13
(App1 / Online / USSD)
-
CardFREE
Branch2-
Airtime/data/SMS bundles
Digital13
(App1 / Online / USSD)
0.50
Card-
Branch2-
Electricity
Digital13
(App1 / Online / USSD)
1.00
Card-
Branch2-
Airtime (other bank ATM)
Digital13
(App1 / Online / USSD)
-
Card10.00
Branch2-
Pay bills / vouchers / LOTTO
Digital13
(App1 / Online / USSD)
2.00
Card-
Branch2-
Vehicle licence renewal (service fee)
Digital13
(App1 / Online / USSD)
50.00
Card-
Branch2-
Capitec Pay
Digital13
(App1 / Online / USSD)
1.00
Card-
Branch2-
International processing fee12
Digital13
(App1 / Online / USSD)
-
Card3.00
Branch2-

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Transfer between own accountsFREEFREE (ATM)FREE
To Capitec client (it’s immediate)1.00-6.00
To other South African bank2.00-6.00
Immediate payment to other South African bank6.00-6.00
Send cash10,1110.00 per 1 000.00--
Payment received from Mastercard® MoneySend-1.00-
International payments
Receive an international payment in rand or foreign currency4,550.00--
Make an international payment in rand or foreign currency4,5175.00--
Transfer between own accounts
Digital13
(App1 / Online / USSD)
FREE
CardFREE (ATM)
Branch2FREE
To Capitec client (it’s immediate)
Digital13
(App1 / Online / USSD)
1.00
Card-
Branch26.00
To other South African bank
Digital13
(App1 / Online / USSD)
2.00
Card-
Branch26.00
Immediate payment to other South African bank
Digital13
(App1 / Online / USSD)
6.00
Card-
Branch26.00
Send cash10,11
Digital13
(App1 / Online / USSD)
10.00 per 1 000.00
Card-
Branch2-
Payment received from Mastercard® MoneySend
Digital13
(App1 / Online / USSD)
-
Card1.00
Branch2-
Receive an international payment in rand or foreign currency4,5
Digital13
(App1 / Online / USSD)
50.00
Card-
Branch2-
Make an international payment in rand or foreign currency4,5
Digital13
(App1 / Online / USSD)
175.00
Card-
Branch2-

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Add, amend or cancelFREE-6.00
To own accountFREE-FREE
To other Capitec account1.00-1.00
To other South African bank2.00-2.00
Add, amend or cancel
Digital13
(App1 / Online / USSD)
FREE
Card-
Branch26.00
To own account
Digital13
(App1 / Online / USSD)
FREE
Card-
Branch2FREE
To other Capitec account
Digital13
(App1 / Online / USSD)
1.00
Card-
Branch21.00
To other South African bank
Digital13
(App1 / Online / USSD)
2.00
Card-
Branch22.00

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Supermarket tillpoint4-2.00-
All ATMs (any South African bank)-10.00 per 1 000.00-
International Mastercard® ATM3,4,6,8,9-70.00-
International Mastercard® card machine3,4,6,8,9-10.00-
Supermarket tillpoint4
Digital13
(App1 / Online / USSD)
-
Card2.00
Branch2-
All ATMs (any South African bank)
Digital13
(App1 / Online / USSD)
-
Card10.00 per 1 000.00
Branch2-
International Mastercard® ATM3,4,6,8,9
Digital13
(App1 / Online / USSD)
-
Card70.00
Branch2-
International Mastercard® card machine3,4,6,8,9
Digital13
(App1 / Online / USSD)
-
Card10.00
Branch2-

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Capitec to Capitec1.00-1.00
Capitec to other South African banks2.00-2.00
Capitec to Capitec
Digital13
(App1 / Online / USSD)
1.00
Card-
Branch21.00
Capitec to other South African banks
Digital13
(App1 / Online / USSD)
2.00
Card-
Branch22.00

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
CapitecFREEFREEFREE
Other South African bank card machine / online / scan to pay / telephone6,9-1.00-
International Mastercard® card machine / online / scan to pay / telephone6-3.00-
Other South African bank ATM or International Mastercard® ATM6,9-10.00-
Capitec
Digital13
(App1 / Online / USSD)
FREE
CardFREE
Branch2FREE
Other South African bank card machine / online / scan to pay / telephone6,9
Digital13
(App1 / Online / USSD)
-
Card1.00
Branch2-
International Mastercard® card machine / online / scan to pay / telephone6
Digital13
(App1 / Online / USSD)
-
Card3.00
Branch2-
Other South African bank ATM or International Mastercard® ATM6,9
Digital13
(App1 / Online / USSD)
-
Card10.00
Branch2-

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Capitec card machine / Capitec ATM-FREE-
Other South African bank card machine / online / scan to pay / telephone6,9-1.00-
International Mastercard® card machine / online / scan to pay / telephone6-3.00-
Other South African bank ATM or International Mastercard® ATM6,9-10.00-
Capitec card machine / Capitec ATM
Digital13
(App1 / Online / USSD)
-
CardFREE
Branch2-
Other South African bank card machine / online / scan to pay / telephone6,9
Digital13
(App1 / Online / USSD)
-
Card1.00
Branch2-
International Mastercard® card machine / online / scan to pay / telephone6
Digital13
(App1 / Online / USSD)
-
Card3.00
Branch2-
Other South African bank ATM or International Mastercard® ATM6,9
Digital13
(App1 / Online / USSD)
-
Card10.00
Branch2-

Know what you get and payDigital13
(App1 / Online / USSD)
CardBranch2
Stop lost / stolen cardFREE-FREE
Card replacement (physical): Debit or credit card--70.00
Card replacement (virtual): Debit or credit cardFREE--
Card PIN reset--6.00
PIN changeFREEFREE (ATM)-
Stop lost / stolen card
Digital13
(App1 / Online / USSD)
FREE
Card-
Branch2FREE
Card replacement (physical): Debit or credit card
Digital13
(App1 / Online / USSD)
-
Card-
Branch270.00
Card replacement (virtual): Debit or credit card
Digital13
(App1 / Online / USSD)
FREE
Card-
Branch2-
Card PIN reset
Digital13
(App1 / Online / USSD)
-
Card-
Branch26.00
PIN change
Digital13
(App1 / Online / USSD)
FREE
CardFREE (ATM)
Branch2-

Know what you get and payDigital1,13Branch2
Debit order3.00-
DebiCheck authentication1.006.00
Printed DebiCheck list6.006.00
Stop debit order6.006.00
Returned (insufficient funds)6.00-
Disputed debit order
Last 40 days6.0030.00
After 40 days-30.00
DebiCheck last 12 months-30.00
Debit order
Digital1,133.00
Branch2-
DebiCheck authentication
Digital1,131.00
Branch26.00
Printed DebiCheck list
Digital1,136.00
Branch26.00
Stop debit order
Digital1,136.00
Branch26.00
Returned (insufficient funds)
Digital1,136.00
Branch2-
Last 40 days
Digital1,136.00
Branch230.00
After 40 days
Digital1,13-
Branch230.00
DebiCheck last 12 months
Digital1,13-
Branch230.00

Know what you get and payDigital1,13Branch2
Main account / access anytime / tax-free savings planFREE6.00
Fixed-term / notice-deposit / tax-free savings planFREEFREE
Credit card statement (first statement free)FREE6.00
Credit card transaction historyFREE6.00
Main account / access anytime / tax-free savings plan
Digital1,13FREE
Branch26.00
Fixed-term / notice-deposit / tax-free savings plan
Digital1,13FREE
Branch2FREE
Credit card statement (first statement free)
Digital1,13FREE
Branch26.00
Credit card transaction history
Digital1,13FREE
Branch26.00

Know what you get and payDigital1,13Branch2
Early release: tax-free savings-300.00
Card limit update-6.00
Close account-6.00
Reversal of payment request
Reversal of payment request to Capitec account (last 40 days)6.006.00
Reversal of payment request to other bank account (last 40 days)70.0070.00
Notification
In-app and emailFREE-
SMS0.35-
Early release: tax-free savings
Digital1,13-
Branch2300.00
Card limit update
Digital1,13-
Branch26.00
Close account
Digital1,13-
Branch26.00
Reversal of payment request to Capitec account (last 40 days)
Digital1,136.00
Branch26.00
Reversal of payment request to other bank account (last 40 days)
Digital1,1370.00
Branch270.00
In-app and email
Digital1,13FREE
Branch2-
SMS
Digital1,130.35
Branch2-

Send account details
EmailFREE
SMS0.35
Deposits
Cash for loan repaymentFREE
Notes (cash-accepting ATM)1.40 per 100.00
Coins (consultant/coin deposit machine)15.00 per 100.00
Exchange Control Application fee4,51 000.00
Card delivery
New credit card deliveryFREE
New debit card delivery100.00
Second delivery attempt150.00
Cancellation of card delivery150.00
Chargebacks
Unsuccessful dispute of a card transaction30.00

Important:

  1. Your service provider will charge a fee for network access

  2. Includes Client Care Centre and Self Service Terminal transactions

  3. International travel–related transactions in terms of Section B.16 and Section B.4 of the Currency and Exchanges Manual for Authorised Dealers of the South African Reserve Bank

  4. Fixed fee means it does not increase as the value of the transaction increases

  5. See our website for more info on foreign exchange services

  6. Supplementary cards cannot be used internationally

  7. Online international card payments for miscellaneous transactions limited to R50 000 per international transaction in terms of Section B.16 of the Currency and Exchanges Manual for Authorised Dealers of the South African Reserve Bank

  8. See our website for more info on direct currency conversion

  9. Get cash from any international ATM and purchase at any international card machine with the Mastercard® logo

  10. Remote banking app limits for sending cash: R3 000 per transaction, R5 000 per day, R24 990 per month

  11. Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction, R1 000 per day, R24 990 per month

  12. A processing (authorisation/clearing) fee will be charged for successful international transactions, whether the transaction was initiated cross-border from outside South Africa or locally from within South Africa

  13. Not all transactions listed under Digital are available on all of the Digital channels

Conditions apply. Fees include VAT.
Valid from 01 March 2025. All information correct at time of going to print, 24/1/2025 and is subject to change. Capitec Bank Limited is an authorised financial services provider (FSP46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No.: 1980/003695/06