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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.

Fees - Website Desktop banner@2x
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Global One

Monthly administration fee

R7.00
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Credit card

Monthly administration fee

R50.00

 

Transaction fees (R)

Purchase at local Mastercard® card machine3,6,8,10,13FREE
Card purchase online/scan to pay/telephone/Apple Pay/Samsung Pay/Google Pay3,6,7,8,13FREE
International processing fee133.00
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
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*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)99.50
Early release: tax-free savings9
Capitec ATM9.50
Branch300.00
Payment to Capitec client (with verified cellphone number)
App/Internet/ *120*3279#11.00
Capitec SST5.00
Payment to other Capitec account
App/Internet1.00
Branch10.00
Capitec SST5.00
Payment to other bank
App/Internet2.00
Branch10.00
Capitec SST5.00
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)11,1216.00
PayShap
Less than R100FREE
R100.01 - R1 0001.50
R1 000.01 - R3 0003.00

Add, amend or cancel recurring payment (stop order)
App/InternetFREE
Capitec SST5.00
Branch10.00
Recurring payment (stop order)
App/Internet/branch to other Capitec account21.00
App/Internet/branch to other bank22.00
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#11.00
Capitec SST5.00
Branch2 10.00

PnP/Shoprite/ Checkers/Boxer tillpoint41.75
Capitec ATM9.50 per 1 000
Other bank ATM10.50 per 1 000
International Mastercard® ATM3,4,6,8,1080.00
International Mastercard®card machine3,4,6,8,109.00

Main savings account statement
App/WhatsApp/Internet/ *120*3279#1FREE
Capitec ATM/SST4.00
Branch216.00
Flexible savings/tax-free savings plan statement
App/InternetFREE
Capitec ATM/SST4.00
Branch216.00
Fixed-term savings/tax-free savings plan statement
App/InternetFREE
Capitec ATM/SSTFREE
Branch2FREE
Credit card statement (first statement free)
App/Internet/ *120*3279#1FREE
Branch216.00
Credit card transaction history
App/InternetFREE
Capitec ATM/SST4.00
Branch216.00

Capitec (app/Internet/ *120*3279#1/card/ branch2)FREE
Other bank card machine0.40
International Mastercard® card machine6,103.00
Other bank ATM8.00
International Mastercard ATM6,109.00

Capitec card machine/Capitec ATMFREE
Local other bank card machine/online/scan to pay/telephone0.40
International Mastercard® card machine/online /scan to pay/telephone6,103.00
Local other bank ATM8.00
International Mastercard® ATM6,1011.00

Internet banking token on keyring/replacement token on keyring120.00
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 messageFREE
SMS0.30

EmailFREE
SMS0.30

EmailFREE
SMS0.30

Cash for loan repaymentFREE
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 4,550.00
Exchange Control Application Fee 4,51 000.00

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)1080.00

Card delivery feeFREE
Cancellation of card delivery150.00

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 order3.50
Returned debit order: DebiCheck (insufficient funds)FREE
Returned debit order: EFT (insufficient funds)7.00
Close account (branch)10.00

Important:

  1. Your service provider will charge a fee for network access
  2. Includes Client Care Centre transactions
  3. Limited to travel-related transactions in terms of Section B16 of the Exchange
    Control Rulings 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. Card-not-present transactions limited to R50 000 per international transaction,
    up to your daily limit, in terms of Section B16 of the Exchange Control Rulings of
    the South African Reserve Bank
  8. See our website for more info on direct currency conversion
  9. An early release Capitec ATM transfer can only be done from a multiple deposit
    fixed-term or tax-free savings account with a balance of less than R10 000
  10. Get cash from any international ATM and purchase at any international card
    machine with the Mastercard® logo
  11. Remote banking app limits for sending cash: R3 000 per transaction,
    R5 000 per day, R24 990 per month
  12. Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction,
    R1 000 per day, R24 990 per month
  13. 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. This includes the
    account status enquiry when an international merchant loads your card for payments
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