What are Capitec’s key 2025 transaction fees?

For 2025, Capitec’s key personal banking fees include a monthly fee of R7.50, R1 for a payment to a Capitec client, R2 for a payment to other South African banks, R3 for a debit order, R6 for an immediate payment to another bank, and R10 per R1 000 cash withdrawal at any South African bank ATM.

From when are the 2025 Capitec transaction fees valid?

The 2025 Capitec personal transaction fees are valid from 1 October 2025. Always check the latest fees on the Capitec website or in the official fees flyer for updates.

How much is Capitec’s monthly administration fee?

Capitec’s monthly administration fee for the main transactional account is R7.50 in 2025, helping keep everyday banking simple and affordable.

What does Capitec charge for ATM cash withdrawals?

Cash withdrawals at any South African bank ATM cost R10 per R1 000 withdrawn. You can also use supermarket till points and other digital options as listed on the fees page to help manage your cash costs.

Where can I see the full list of Capitec transaction fees?

You can view or download the full list of Capitec transaction fees on the Transaction Fees page, where you’ll find a detailed breakdown of purchases, payments, debit orders, cash withdrawals, PayShap, security and more.

Bank on simple fees in 2026

What you see is what you pay. We keep fees simple to beat complex banking.

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Simpler banking starts with affordable fees that make sense. That’s an easier way to manage your money that 25 million South Africans bank on.

2026 key fees:

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

Monthly fee on the Main Account stays the same – R7.50

Valid from 1 March 2026.

What’s new?

Smart ID (service fee) – R10
New Entrepreneur Card issued in branch – R70

What’s changed?

Voucher fee is changing from R2 to R3
Balance enquiry on International Mastercard Machine is changing from R3 to R2

Please refer to the full pricing guide below.

Main account

Monthly administration fee

R7.50

Credit card

Monthly administration fee

R50.00

Know what you get and pay	Digital¹³ _{(App¹ / Online / USSD)}	Card	Branch²
Any South African card machine /online/scan to pay	-	FREE	-
Any international card machine^3,6,7,8	-	FREE	-
International online processing fee^3,6,7,8,12	-	2.00	-
Airtime/data/SMS bundles	0.50	-	-
Airtime Advance	1.00	-	-
Electricity	1.00	-	-
Electricity Advance	3.00	-	-
Airtime (other bank ATM)	-	10.00	-
Pay bills / LOTTO	2.00	-	-
Vouchers	3.00
Vehicle Licence Disc Renewal¹⁴ (service fee)	10.00	-	-
Capitec Pay	1.00	-	-
Capitec Connect SIM	-	-	10.00
Capitec Connect Advance	0.80	-	-
Capitec Connect Airtime/Data/Minutes/SMS bundles (service fee)	FREE	-	-

Any South African card machine /online/scan to pay
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	FREE
Branch²	-
Any international card machine^3,6,7,8
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	FREE
Branch²	-
International online processing fee^3,6,7,8,12
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	2.00
Branch²	-
Airtime/data/SMS bundles
Digital¹³ _{(App¹ / Online / USSD)}	0.50
Card	-
Branch²	-
Airtime Advance
Digital¹³ _{(App¹ / Online / USSD)}	1.00
Card	-
Branch²	-
Electricity
Digital¹³ _{(App¹ / Online / USSD)}	1.00
Card	-
Branch²	-
Electricity Advance
Digital¹³ _{(App¹ / Online / USSD)}	3.00
Card	-
Branch²	-
Airtime (other bank ATM)
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	10.00
Branch²	-
Pay bills / LOTTO
Digital¹³ _{(App¹ / Online / USSD)}	2.00
Card	-
Branch²	-
Vouchers
Digital¹³ _{(App¹ / Online / USSD)}	3.00
Card
Branch²
Vehicle Licence Disc Renewal¹⁴ (service fee)
Digital¹³ _{(App¹ / Online / USSD)}	10.00
Card	-
Branch²	-
Capitec Pay
Digital¹³ _{(App¹ / Online / USSD)}	1.00
Card	-
Branch²	-
Capitec Connect SIM
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	-
Branch²	10.00
Capitec Connect Advance
Digital¹³ _{(App¹ / Online / USSD)}	0.80
Card	-
Branch²	-
Capitec Connect Airtime/Data/Minutes/SMS bundles (service fee)
Digital¹³ _{(App¹ / Online / USSD)}	FREE
Card	-
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 (1.00 on SST¹⁵)
To other South African bank	2.00	-	6.00 (2.00 on SST¹⁵)
Immediate payment to other South African bank	6.00	-	6.00
Send cash^10,11	10.00 per 1 000.00	-	-
Payment received from Mastercard^® MoneySend	-	1.00	-
International payments
Receive an international payment in rand or foreign currency^4,5	50.00	-	-
Make an international payment in rand or foreign currency^4,5	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 (1.00 on SST15)
To other South African bank
Digital¹³ _{(App¹ / Online / USSD)}	2.00
Card	-
Branch²	6.00 (2.00 on SST15)
Immediate payment to other South African bank
Digital¹³ _{(App¹ / Online / USSD)}	6.00
Card	-
Branch²	6.00
Send cash^10,11
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 currency^4,5
Digital¹³ _{(App¹ / Online / USSD)}	50.00
Card	-
Branch²	-
Make an international payment in rand or foreign currency^4,5
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
South African supermarket tillpoint⁴	-	2.00	-
All ATMs (any South African bank)	-	10.00 per 1 000.00	-
International Mastercard^® ATM^3,4,6,8,9	-	70.00	-
International Mastercard^® card machine^3,4,6,8,9	-	10.00	-

South African 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^® ATM^3,4,6,8,9
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	70.00
Branch²	-
International Mastercard^® card machine^3,4,6,8,9
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	-	1.00	-
International Mastercard® card machine	-	2.00	-
Other South African bank ATM or International Mastercard^® ATM^6,9	-	10.00	-

Capitec
Digital¹³ _{(App¹ / Online / USSD)}	FREE
Card	FREE
Branch²	FREE
Other South African bank card machine
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	1.00
Branch²	-
International Mastercard® card machine
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	2.00
Branch²	-
Other South African bank ATM or International Mastercard^® ATM^6,9
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/Scan to Pay/online/telephone^6,9	-	1.00	-
International Mastercard^® card machine / online / telephone⁶	-	2.00	-
Other South African bank ATM or International Mastercard^® ATM^6,9	-	10.00	-

Capitec card machine / Capitec ATM
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	FREE
Branch²	-
Other South African bank card machine/Scan to Pay/online/telephone^6,9
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	1.00
Branch²	-
International Mastercard^® card machine / online / telephone⁶
Digital¹³ _{(App¹ / Online / USSD)}	-
Card	2.00
Branch²	-
Other South African bank ATM or International Mastercard^® ATM^6,9
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 (ATM)	FREE

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)}	-
Card	FREE (ATM)
Branch²	FREE

Know what you get and pay	Digital^1,¹³	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
Up to 60 days	6.00	30.00

Debit order
Digital^1,¹³	3.00
Branch²	-
DebiCheck authentication
Digital^1,¹³	1.00
Branch²	6.00
Printed DebiCheck list
Digital^1,¹³	6.00
Branch²	6.00
Stop debit order
Digital^1,¹³	6.00
Branch²	6.00
Returned (insufficient funds)
Digital^1,¹³	6.00
Branch²	-
Up to 60 days
Digital^1,¹³	6.00
Branch²	30.00

Know what you get and pay	Digital^1,13	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
Digital^1,13	FREE
Branch²	6.00
Fixed-Term/Notice-Deposit/Tax-Free Savings Plan
Digital^1,13	FREE
Branch²	FREE
Credit Card statement (first statement free)
Digital^1,13	FREE
Branch²	6.00
Credit Card transaction history
Digital^1,13	FREE
Branch²	6.00

Know what you get and pay	Digital^1,13	Branch²
Smart ID¹⁴ (service fee)	-	10.00
Early release: tax-free savings	-	300.00
New Credit/Debit Virtual Card	FREE	-
New Entrepreneur Card issued in branch	-	70.00
Card limit update	-	6.00
Close account	-	6.00
Reversal of payment request
To Capitec account (last 40 days)	6.00	6.00
To other bank account (last 40 days)	70.00	70.00
Notification
In-app and email	FREE	-
SMS	0.35	-

Smart ID¹⁴ (service fee)
Digital^1,13	-
Branch²	10.00
Early release: tax-free savings
Digital^1,13	-
Branch²	300.00
New Credit/Debit Virtual Card
Digital^1,13	FREE
Branch²	-
New Entrepreneur Card issued in branch
Digital^1,13	-
Branch²	70.00
Card limit update
Digital^1,13	-
Branch²	6.00
Close account
Digital^1,13	-
Branch²	6.00
To Capitec account (last 40 days)
Digital^1,13	6.00
Branch²	6.00
To other bank account (last 40 days)
Digital^1,13	70.00
Branch²	70.00
In-app and email
Digital^1,13	FREE
Branch²	-
SMS
Digital^1,13	0.35
Branch²	-

Send account details
Email	FREE
SMS	0.35
Deposits
Cash for loan repayment	FREE
Notes (cash-accepting ATM)	1.40 per 100.00
Coins (coin deposit machine)	15.00 per 100.00
Exchange Control Application fee^4,5	1 000.00
South African supermarket tillpoint (notes and coins)	1.40 per 100.00
Delivery
New Credit Card delivery	FREE
New Debit Card delivery	100.00
New Entrepreneur Card delivery	100.00
Card replacement	150.00
Second Card delivery attempt	150.00
Cancellation of Card delivery	150.00
Vehicle Licence Disc delivery	99.00
Capitec Connect Devices delivery	99.00
Chargebacks
Unsuccessful dispute of a card transaction	30.00

Important:

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 online /scan to pay 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
Service fee does not include application or renewal fee, as charged by the relevant Department of Home Affairs or National Traffic Information System
SST refers to a Self-Service Terminal

Conditions apply. Fees include VAT.
Valid from 04 June 2026. All information correct at time of going to print, 04/06/2026 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

Bank on simple fees in 2026

2026 key fees:

What’s new?

What’s changed?

Main account

R7.50

Credit card

R50.00

Purchases

Payments

Recurring payment (stop orders)

Cash withdrawals

PayShap

Balance enquiries

Declined transactions (insufficient funds, exceeds card limit, international and online purchases turned off)

Security

Debit orders

Statements (1 – 3 months)

Other

Additional fees

Important: