5 key fees you need to know
We’ve made our fees simpler and more affordable so you always know what you pay.
We’ve made our fees simpler and more affordable so you always know what you pay.
This year, we’re giving you more value with 5 key fees – making banking simpler, clearer and more affordable than ever.
2025 fees:
Valid from 1 March 2025.
Monthly administration fee
Monthly administration fee
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
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 bundles | 0.50 | - | - |
Electricity | 1.00 | - | - |
Airtime (other bank ATM) | - | 10.00 | - |
Pay bills / vouchers / LOTTO | 2.00 | - | - |
Vehicle licence renewal (service fee) | 50.00 | - | - |
Capitec Pay | 1.00 | - | - |
International processing fee12 | - | 3.00 | - |
Any South African card machine | |
---|---|
Digital13
(App1 / Online / USSD) | - |
Card | FREE |
Branch2 | - |
Online/scan to pay/Apple Pay/Samsung Pay/Garmin Pay/Google Pay3,6,7,8,12 | |
Digital13
(App1 / Online / USSD) | - |
Card | FREE |
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) | - |
Card | 10.00 |
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) | - |
Card | 3.00 |
Branch2 | - |
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
Transfer between own accounts | FREE | FREE (ATM) | FREE |
To Capitec client (it’s immediate) | 1.00 | - | 6.00 |
To other South African bank | 2.00 | - | 6.00 |
Immediate payment to other South African bank | 6.00 | - | 6.00 |
Send cash10,11 | 10.00 per 1 000.00 | - | - |
Payment received from Mastercard® MoneySend | - | 1.00 | - |
International payments | |||
Receive an international payment in rand or foreign currency4,5 | 50.00 | - | - |
Make an international payment in rand or foreign currency4,5 | 175.00 | - | - |
Transfer between own accounts | |
---|---|
Digital13
(App1 / Online / USSD) | FREE |
Card | FREE (ATM) |
Branch2 | FREE |
To Capitec client (it’s immediate) | |
Digital13
(App1 / Online / USSD) | 1.00 |
Card | - |
Branch2 | 6.00 |
To other South African bank | |
Digital13
(App1 / Online / USSD) | 2.00 |
Card | - |
Branch2 | 6.00 |
Immediate payment to other South African bank | |
Digital13
(App1 / Online / USSD) | 6.00 |
Card | - |
Branch2 | 6.00 |
Send cash10,11 | |
Digital13
(App1 / Online / USSD) | 10.00 per 1 000.00 |
Card | - |
Branch2 | - |
Payment received from Mastercard® MoneySend | |
Digital13
(App1 / Online / USSD) | - |
Card | 1.00 |
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 pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
Add, amend or cancel | FREE | - | 6.00 |
To own account | FREE | - | FREE |
To other Capitec account | 1.00 | - | 1.00 |
To other South African bank | 2.00 | - | 2.00 |
Add, amend or cancel | |
---|---|
Digital13
(App1 / Online / USSD) | FREE |
Card | - |
Branch2 | 6.00 |
To own account | |
Digital13
(App1 / Online / USSD) | FREE |
Card | - |
Branch2 | FREE |
To other Capitec account | |
Digital13
(App1 / Online / USSD) | 1.00 |
Card | - |
Branch2 | 1.00 |
To other South African bank | |
Digital13
(App1 / Online / USSD) | 2.00 |
Card | - |
Branch2 | 2.00 |
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
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) | - |
Card | 2.00 |
Branch2 | - |
All ATMs (any South African bank) | |
Digital13
(App1 / Online / USSD) | - |
Card | 10.00 per 1 000.00 |
Branch2 | - |
International Mastercard® ATM3,4,6,8,9 | |
Digital13
(App1 / Online / USSD) | - |
Card | 70.00 |
Branch2 | - |
International Mastercard® card machine3,4,6,8,9 | |
Digital13
(App1 / Online / USSD) | - |
Card | 10.00 |
Branch2 | - |
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
Capitec to Capitec | 1.00 | - | 1.00 |
Capitec to other South African banks | 2.00 | - | 2.00 |
Capitec to Capitec | |
---|---|
Digital13
(App1 / Online / USSD) | 1.00 |
Card | - |
Branch2 | 1.00 |
Capitec to other South African banks | |
Digital13
(App1 / Online / USSD) | 2.00 |
Card | - |
Branch2 | 2.00 |
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
Capitec | FREE | FREE | 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 | |
---|---|
Digital13
(App1 / Online / USSD) | FREE |
Card | FREE |
Branch2 | FREE |
Other South African bank card machine / online / scan to pay / telephone6,9 | |
Digital13
(App1 / Online / USSD) | - |
Card | 1.00 |
Branch2 | - |
International Mastercard® card machine / online / scan to pay / telephone6 | |
Digital13
(App1 / Online / USSD) | - |
Card | 3.00 |
Branch2 | - |
Other South African bank ATM or International Mastercard® ATM6,9 | |
Digital13
(App1 / Online / USSD) | - |
Card | 10.00 |
Branch2 | - |
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
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) | - |
Card | FREE |
Branch2 | - |
Other South African bank card machine / online / scan to pay / telephone6,9 | |
Digital13
(App1 / Online / USSD) | - |
Card | 1.00 |
Branch2 | - |
International Mastercard® card machine / online / scan to pay / telephone6 | |
Digital13
(App1 / Online / USSD) | - |
Card | 3.00 |
Branch2 | - |
Other South African bank ATM or International Mastercard® ATM6,9 | |
Digital13
(App1 / Online / USSD) | - |
Card | 10.00 |
Branch2 | - |
Know what you get and pay | Digital13
(App1 / Online / USSD) | Card | Branch2 |
---|---|---|---|
Stop lost / stolen card | FREE | - | FREE |
Card replacement (physical): Debit or credit card | - | - | 70.00 |
Card replacement (virtual): Debit or credit card | FREE | - | - |
Card PIN reset | - | - | 6.00 |
PIN change | FREE | FREE (ATM) | - |
Stop lost / stolen card | |
---|---|
Digital13
(App1 / Online / USSD) | FREE |
Card | - |
Branch2 | FREE |
Card replacement (physical): Debit or credit card | |
Digital13
(App1 / Online / USSD) | - |
Card | - |
Branch2 | 70.00 |
Card replacement (virtual): Debit or credit card | |
Digital13
(App1 / Online / USSD) | FREE |
Card | - |
Branch2 | - |
Card PIN reset | |
Digital13
(App1 / Online / USSD) | - |
Card | - |
Branch2 | 6.00 |
PIN change | |
Digital13
(App1 / Online / USSD) | FREE |
Card | FREE (ATM) |
Branch2 | - |
Know what you get and pay | Digital1,13 | Branch2 |
---|---|---|
Debit order | 3.00 | - |
DebiCheck authentication | 1.00 | 6.00 |
Printed DebiCheck list | 6.00 | 6.00 |
Stop debit order | 6.00 | 6.00 |
Returned (insufficient funds) | 6.00 | - |
Disputed debit order | ||
Last 40 days | 6.00 | 30.00 |
After 40 days | - | 30.00 |
DebiCheck last 12 months | - | 30.00 |
Debit order | |
---|---|
Digital1,13 | 3.00 |
Branch2 | - |
DebiCheck authentication | |
Digital1,13 | 1.00 |
Branch2 | 6.00 |
Printed DebiCheck list | |
Digital1,13 | 6.00 |
Branch2 | 6.00 |
Stop debit order | |
Digital1,13 | 6.00 |
Branch2 | 6.00 |
Returned (insufficient funds) | |
Digital1,13 | 6.00 |
Branch2 | - |
Last 40 days | |
Digital1,13 | 6.00 |
Branch2 | 30.00 |
After 40 days | |
Digital1,13 | - |
Branch2 | 30.00 |
DebiCheck last 12 months | |
Digital1,13 | - |
Branch2 | 30.00 |
Know what you get and pay | Digital1,13 | Branch2 |
---|---|---|
Main account / access anytime / tax-free savings plan | FREE | 6.00 |
Fixed-term / notice-deposit / tax-free savings plan | FREE | FREE |
Credit card statement (first statement free) | FREE | 6.00 |
Credit card transaction history | FREE | 6.00 |
Main account / access anytime / tax-free savings plan | |
---|---|
Digital1,13 | FREE |
Branch2 | 6.00 |
Fixed-term / notice-deposit / tax-free savings plan | |
Digital1,13 | FREE |
Branch2 | FREE |
Credit card statement (first statement free) | |
Digital1,13 | FREE |
Branch2 | 6.00 |
Credit card transaction history | |
Digital1,13 | FREE |
Branch2 | 6.00 |
Know what you get and pay | Digital1,13 | Branch2 |
---|---|---|
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) | 6.00 | 6.00 |
Reversal of payment request to other bank account (last 40 days) | 70.00 | 70.00 |
Notification | ||
In-app and email | FREE | - |
SMS | 0.35 | - |
Early release: tax-free savings | |
---|---|
Digital1,13 | - |
Branch2 | 300.00 |
Card limit update | |
Digital1,13 | - |
Branch2 | 6.00 |
Close account | |
Digital1,13 | - |
Branch2 | 6.00 |
Reversal of payment request to Capitec account (last 40 days) | |
Digital1,13 | 6.00 |
Branch2 | 6.00 |
Reversal of payment request to other bank account (last 40 days) | |
Digital1,13 | 70.00 |
Branch2 | 70.00 |
In-app and email | |
Digital1,13 | FREE |
Branch2 | - |
SMS | |
Digital1,13 | 0.35 |
Branch2 | - |
Send account details | |
---|---|
FREE | |
SMS | 0.35 |
Deposits | |
Cash for loan repayment | FREE |
Notes (cash-accepting ATM) | 1.40 per 100.00 |
Coins (consultant/coin deposit machine) | 15.00 per 100.00 |
Exchange Control Application fee4,5 | 1 000.00 |
Card delivery | |
New credit card delivery | FREE |
New debit card delivery | 100.00 |
Second delivery attempt | 150.00 |
Cancellation of card delivery | 150.00 |
Chargebacks | |
Unsuccessful dispute of a card transaction | 30.00 |
Your service provider will charge a fee for network access
Includes Client Care Centre and Self Service Terminal transactions
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
Fixed fee means it does not increase as the value of the transaction increases
See our website for more info on foreign exchange services
Supplementary cards cannot be used internationally
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
See our website for more info on direct currency conversion
Get cash from any international ATM and purchase at any international card machine with the Mastercard® logo
Remote banking app limits for sending cash: R3 000 per transaction, R5 000 per day, R24 990 per month
Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction, R1 000 per day, R24 990 per month
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
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