Time for some Q&A

If you don't feel like chatting, browse our FAQs below. 

Frequently Asked Questions Capitec

Our FAQs

To make things a little easier, we've divided the types of frequently asked questions into different sections. Remember that Global One covers all aspects of transacting, saving, insuring and accessing credit – the most popular section.

Choose an FAQ topic

Global One

Very. All branch transactions require your card and PIN, with fingerprint biometrics and photographic identification as additional security measures. Biometrics also enables us to track all transactions by service consultants, which ensures that only you can access your accounts and money. Our Mobile and Internet banking services also include security measures to keep your money safe.

The following daily card limits apply to keep your money safe. They can instantly be changed on Internet banking or by visiting your nearest branch.

  • daily limit of up to R5 000 per day for cash withdrawals
    • temporary limit of up to R10 000 can be set for up to 3 days
  • daily limit of up to R50 000 for card machine purchases
    • temporary card machine purchase limit of up to R120 000 can be set for up to 3 days
  • daily limit of up to R50 000 for local online shopping and telephone/mail orders
    • A temporary online shopping and telephone/mail order limit of up to R120 000 can be set for up to 3 days
  • International online/telephone/mail order purchases are limited to R50 000 per transaction up to your daily

As an alternative to large amounts of cash, you can use the following options:

  • Use our app to make immediate payments  to any other bank for only R7.50
  • Use our Internet banking
  • Register for Mobile Banking (*120*3279#) and transfer money to any Capitec client using their verified cellphone number
  • Visit a branch and ask our service consultants to do the electronic funds transfer from your account to the beneficiary’s bank account for you. The money will usually be available after 2 working days
  • For direct purchases, you may increase your card purchase limit through our app or at a branch up to a maximum of R120 000 per day for 3 days

For large amounts of cash, you have the following options:

  • Use our appInternet banking or ask one of our service consultants to increase your ATM withdrawal limit up to R10 000 for up to 3 days
  • Remember that drawing and carrying large amounts of cash is risky

You don’t need a Capitec branch to access your Global One account. You can pay for your shopping, accounts or fuel with your Global One card at zero purchase fees. You can also use our Remote Banking services (banking app/Internet/*120*3279#) to manage your money any time or place. Remember that if you want to draw cash, you can do it at any PnP, Shoprite, Checkers, Spar and Boxer till point at a lower fee than ATMs. Check out the transaction fees.

Credit insurance is compulsory for all term loans. You might not need it for a credit card or access facility, depending on your personal credit profile. Our credit insurance is designed to protect you should something happen and you are unable to earn an income. Have peace of mind knowing that you are covered for:

  • Death – full outstanding amount
  • Permanent disability – full outstanding amount
  • Temporary disability – a maximum of 12 repayments
  • Unemployment or inability to earn an income other than as a result of disability (includes retrenchment) – a maximum of 24 repayments (3-month waiting period for retrenchment, notification of retrenchment or termination of employment)

We offer a range of credit solutions that are right for your specific needs. Our access facility gives you up to R500 000 revolving credit to use whenever you need it, while you could get a credit card with a limit of up to R500 000, at an interest rate from prime.

We also offer credit for your needs at specific education, medical, vehicle and home improvement partners. Unlike a traditional personal loan, these loans are offered at a discounted interest rate and over an extended term.

And with Capitec Home Loans you could buy the home of your dreams by applying online in 4 easy steps.

It's based on your credit history with other credit providers and a calculation of your affordability. Use our credit calculator for a better idea of what credit costs.

All inactive accounts become dormant after 12 months. This means that the account will be frozen for security reasons and no further transactions can be made. To prevent this, simply transact on your account at least once every 12 months. If you'd like to reactivate a dormant account, visit your nearest branch. 

You’ll earn interest on a positive balance from the first rand, but the amount will depend on how much is in your account. To earn higher interest rates, consider opening a flexible or fixed-term savings plan. Rates may change from time to time, so check our rates and fees for the latest info or download our savings flyer.

Simplified banking means you can open an account from the comfort of your home. Switch your account, salary and debit orders in a few easy steps. 

Our banking app gives you the control to open your account from anywhere, using just your smartphone. Simply download our app, enter your SA ID number and take a few selfies!

We offer competitive currency conversion rates. We recommend that you receive your inward payment in foreign currency as it means you can

  • Receive more rand in your account
  • Receive the money faster and you'll save on intermediary bank costs
  • Have more competitive fees

Foreign currency payments are automatically converted and available for credit to your account, upon receipt of your Balance of Payment declaration. Read more about international payments.

Yes, you may only use your Global One card for travel-related expenses, and we may ask you for proof of travel. Read more about using your Global One card overseas. Note that supplementary Global One cards can only be used in South Africa.

If you're not from South Africa and you want to open a Capitec account, we can help you under either of the following conditions:

  • You have a permanent residence permit and are employed
  • You have a temporary residence permit with a work permit and are employed

Find out more here.

We offer the following services to individual clients only (business clients are specifically excluded):

  • Issue debit cards that can be used outside of South Africa
  • Help clients receive money from abroad into their accounts
  • Open accounts for foreign nationals who are on contract in South Africa

Find out more about our foreign exchange services.

If you are liable to pay tax in a country other than South Africa we need your foreign tax number. Capitec is required by law to obtain certain international tax information from all our clients. The information will be reported to the relevant countries through the South African Revenue Services (SARS), based on the United States Foreign Account Tax Compliance Act (FATCA) and the Organisation for Economic Co-operation and Development (OECD) Common Reporting Standard for the Automatic Exchange of Financial Account Information. New and existing clients are required to confirm all countries other than South Africa where they are a resident for tax purposes or liable to pay tax. Clients must provide their tax identification number for the listed countries. If you are unsure of any information, please contact a professional tax consultant.

Remote banking

Opening a Capitec account has never been this easy, fast and secure. All you need is to download our app, have your SA ID number handy and take a few selfies!

Remote onboarding is a process that enables you to open a Global One account or activate our banking app on your smartphone, without visiting a branch.

Yes, the app creates a biometric signature by taking a selfie that scans your unique facial features. It then instantly compares your picture with the Department of Home Affairs database to authenticate that it’s you opening the account.

The test is to see if the facial features match a living person, rather than a photo or a video of a person. This ensures fraud cannot be committed by simply holding up a photo or video of someone.

The entire process is done on our banking app and you only have to enter your SA ID number and take a few selfies – you don’t have to visit a branch.

If everything runs smoothly, it can be successfully done in 8 simple steps.

Remember our perfect selfie tips:

  • Remove any masks, glasses or hats
  • Make sure you have good, clear lighting (not too dark or too sunny)
  • Make sure your camera lens is clean

  • Foreign/non-South African citizens
  • Minors (under 18)
  • South African citizens who do not reside within South Africa

The image of your face is used as an electronic signature to sign agreements.

These details are needed for legal and compliance reasons.

You can choose to have your card delivered or visit any branch to collect your card.

To open a Capitec account from anywhere in minutes, you need:

  • Your SA ID number
  • An up-to-date email address and SA cellphone number
  • A smartphone to take selfies

You immediately have full functionality of the Capitec Bank app, and you can fund your account with a transfer or direct deposit. You can also activate your virtual card on the app to shop safely online, and use Pay me to create a personalised QR code for Capitec clients to instantly pay money into your account.

Simply reopen the app. You will either resume where you dropped off or restart the process – depending on where you stopped. If the selfie you take to restart the process doesn’t match the initial selfie, the process will fail.

Remember our perfect selfie tips:

  • Remove any masks, glasses or hats
  • Make sure you have good, clear lighting (not too dark or too sunny)
  • Make sure your camera lens is clean
  • Ensure you have a solid background behind you

You may be using a version of the app that’s outdated

  • Visit your app store and update to the latest version of the app

Remote onboarding – troubleshooting

Remember our perfect selfie tips:

  • Remove any masks, glasses or hats
  • Make sure you have good, clear lighting (not too dark or too sunny)
  • Make sure your camera lens is clean
  • Ensure you have a solid background behind you

Close the app, reopen it and allow the app to access your phone’s camera.

Alternatively on Android, if a pop-up doesn’t appear when you open the app, go to your phone’s Settings and change the Capitec app permissions to allow the camera to be used.

  • Navigate to Settings
  • Choose Apps
  • Choose Capitec Bank app
  • Choose Permission
  • Toggle Camera access permission to Allow

Alternatively on iOS, if a pop-up doesn’t appear when you open the app, go to your phone’s Settings and change the Capitec app permissions to allow the camera to be used.

  • Navigate to Settings and choose Privacy
  • Choose Capitec Bank app
  • Turn Camera permission On

Android

  • Check that the cellphone number you provided earlier in the process is correct
  • Make sure you have an active cellphone connection with good signal so we can authenticate your device

iOS/Huawei EMUI10

  • Check that the cellphone number you provided earlier in the process is correct
  • Make sure you have enough airtime to send the authentication SMS from your phone
  • Make sure you’re using your standard SMS app (not Truecaller, Facebook Messenger, etc.)

If you’re using a dual-SIM phone, make sure you’re sending the SMS from the number you provided earlier in the process

You may have entered a term loan account number.

You may be using a version of the app that’s outdated

  • Visit your app store and update to the latest version of the app

Debit card delivery

Currently, only new clients who open their savings account on our app can get their (first) card delivered.

If you've already opened your account on our app and chose not to have your card delivered, you can still have it delivered if you've changed your mind. Simply:

  • Sign in on our app
  • Tap Cards
  • Choose Order Card and follow the on-screen instructions

There’s no charge – your card will be delivered to your door for free.

Note: Currently, only new clients who open their savings account on our app can get their (first) card delivered.

Clients who opened their savings account on our app can activate their card once it’s been delivered:

  • Sign in on our app
  • Tap Cards
  • Choose Activate Card and follow the on-screen instructions

  • Your card PIN is secured behind the Card PIN tab in your card carrier
  • Peel the tab off carefully to uncover your PIN
  • Place the peeled-off tab against a clear white background to view your 4-digit PIN

Once you've activated your card, you can reset your PIN at a Capitec ATM or self-service terminal. Find your nearest branch or ATM here.

Please call our Client Care Centre on 0860 10 20 43 and have your delivery reference number handy. You can refer to your card delivery SMS and/or emails for more guidance.

Note: Currently, only new clients who open their savings account on our app can get their (first) card delivered. Existing clients cannot order replacement or supplementary cards for delivery.

If you'd prefer to collect your card at a branch, you may cancel your card delivery on our app:

  • Simply sign in on our app
  • Tap Cards
  • Choose Cancel Delivery (under your Card Delivery status)
  • Follow the on-screen instructions

Alternatively, you can call our Client Care Centre on 0860 10 20 43 or visit your nearest branch. Please have your delivery reference number handy.

Credit card delivery

To apply for a credit card and have it delivered, you have to:

  1. See how much credit limit you could get online or on our app
  2. Click I am Interested after completing your online estimate
  3. Wait for an agent to call and go through the full application process with you
  4. The agent will ask if you want to have your credit card delivered, or collect it at a branch

There is no fee to have your new credit card delivered to your door.

Your card should be delivered to you within 3 – 5 working days, based on your availability to schedule the delivery.

Anybody who does a credit card estimate online or on the app, clicks the I am Interested button and has their credit card approved telephonically, qualify to have their first credit card delivered.

The identity of the recipient needs to be verified before the card can be handed over, so you need to show the courier either your SA ID document, Smart ID card, driver's license or passport. The courier will scan your ID and upload a copy electronically.

Provided the courier is not already on the way, you can change the date and time of your card delivery by calling our 24hr Client Care Centre on 0860 10 20 43.

Note: No changes can be made after 4pm on the day before the original delivery date.

Unfortunately you can’t change your mind to rather have your card delivered once you’ve selected to collect your card in branch.

When the courier contacts you to arrange delivery, you need to inform them who will accept the delivery on your behalf. 

Note: The nominated person will have to present his/her ID document, together with yours.

CCD couriers will give you a call within 3 – 5 working days of ordering your card. If you’d like to track your card, you can call them directly on 010 020 1028 and use your ID number as reference. You will receive regular SMS messages throughout the delivery process

The courier will attempt to call you to see if the delivery can still be made. If not, the card will be returned, and the courier will schedule a new delivery slot.

This is not currently available. Only if you do a credit card estimate online or on the app, click the I am Interested button and have your credit card approved telephonically, can you get your (first) credit card delivered. Existing clients cannot order replacement or supplementary cards for delivery.

There’s no need to visit a branch. Once your credit card has been delivered, call our 24hr Client Care Centre on 0860 10 20 43 to activate your credit card and set up your daily transaction limits.

  • Your credit card PIN is secured behind the Card PIN tab in your card carrier
  • Peel the tab off carefully to uncover your PIN
  • Place the peeled-off tab against a clear white background to view your 4-digit PIN

Note: If you lose your peel-off tab and can’t remember your PIN, a PIN reset can be done at a Capitec ATM or self-service terminal at a fee of R7. If you’re unable to read the PIN, take the peeled-off tab to a branch and a PIN reset can be done at no additional fee.

Once you've activated your credit card, you can reset your card PIN at a Capitec ATM or self-service terminal. Find your nearest branch or ATM here.

Please call our Client Care Centre on 0860 10 20 43 and have your ID number or delivery reference number handy. You can refer to your card delivery order SMS and/or emails for more guidance.

Note: Currently, only if you do a credit card estimate online or on the app, click the I am Interested button and have your credit card approved telephonically, can you get your (first) credit card delivered. Existing clients cannot order replacement or supplementary cards for delivery.

If you'd prefer to cancel your card delivery, you will be liable for a cancellation fee of R150, which will be deducted from your main savings account.

To cancel the delivery, have your delivery reference number handy and:

  • Call our 24hr Client Care Centre on 0860 10 20 43
    • Press 1 – Card or cash related
    • Press 5 ­– Card enquiries 

Card limits

Whether you prefer to tap to pay, scan to pay, shop online or on your favourite apps, or draw cash, knowing your card limits and how to set them could help you safely make purchases and save on unnecessary fees.

The default daily limit is R1 000. If you've reached your R1 000 tap to pay limit, you will have to insert your card and PIN for the rest of the day’s transactions.

Note: Some card machines may require you to enter your PIN when you tap to pay regardless of the tap to pay limit.

The following daily limits apply to keep your money safe. They can instantly be updated on our app, on Internet banking or by visiting your nearest branch.

The following limits can be set:

  • Cash withdrawal daily limit can be set to a maximum of R5 000. The temporary limit can be set to a maximum of R10 000
  • Card machine purchase daily limit is R50 000. The temporary limit can be set to a maximum of R1 million
  • The daily online shopping/scan to pay/telephone and mail order limit can be set to a maximum of R50 000. The temporary limit can be set to a maximum of R1 million

Temporary limits are great for when you want to make purchases that cost more than what you would normally spend. You can instantly update your card’s temporary limits on our app or Internet banking, or by visiting your nearest branch.

The updated limits will expire after 3 days and return to your daily limit maximum.

The following limits can be set:

  • Temporary cash withdrawal limit can be set to a maximum of R10 000
  • Temporary card machine purchase limit can be set to a maximum of R1 million

Temporary online shopping/scan to pay/telephone and mail order limit can be set to a maximum of R1 million

As an alternative to large amounts of cash, you can use the following options:

  • Use our app to make an immediate payment to any other bank for only R7.50
  • Use our Internet banking
  • Register for Mobile Banking and transfer money to any Capitec client using their verified cellphone number
  • Visit a branch and ask a service consultant to do the electronic funds transfer from your account to the beneficiary’s bank account for you. The money will usually be available after 2 working days
  • For direct purchases, you may increase your card purchase limit on our app or at a branch up to a maximum of R1 million per day for 3 days

Virtual card

Frequently asked questions about our virtual card

It’s free, secure and easy to load for all your app, online and scan to pay transactions.

Your virtual card is free, secure and easy to use and you can find it on our app. It’s linked to your Global One account, but it is not a duplicate of your physical Capitec card and has a different number and CVV.

A virtual card is specially designed for safer online shopping and scan to pay purchases, so you can simply choose to use it as your default payment card or enter the card details at checkout. You can also load it on all your favourite apps such as Uber, Netflix, takealot.com and MrD for quick and seamless purchases and payments.

Similar to a physical card you can use it to:

  • Do online shopping (so you don’t have to enter your physical card's details)
  • Use it as the default card when you scan to pay on our app to make QR payments at retailers such as Checkers, Shoprite and Pick n Pay

  • It’s free to activate and use, and you can replace it immediately on our app
  • You don’t have to use your physical debit card details for online purchases anymore
  • It’s safer than a physical card. You never have to worry about it being lost, stolen or duplicated
  • You can set a different limit for the virtual card which can provide an extra layer of protection when using the card for online or QR purchases
  • You can manage the virtual card and its limits on our app
  • If your wallet or physical card is lost or stolen, the physical card can be stopped on our app. However, the virtual card will continue to work, so you’ll never be stranded without any means of payment

Yes, the same rules apply as with the debit card.

  • You can find your virtual card on the app. It works exactly the same way as your physical Capitec card for online purchases
  • To pay for online goods or services, enter the card details, expiry date and security code as you normally would
  • Tap the virtual card to get your card details
  • To see your hidden card number and security code, tap Show Card Details and enter your Remote app PIN

You can call our 24hr Client Care Centre on 0860 10 20 43 if your need support with your virtual card.

There are several reasons why this could happen, but the most common reason is that the limit for the virtual card is set too low or even not set at all. As a safety feature your virtual card has its own limit, so you need to manage that limit separately.

  • Sign in and tap Cards on the app landing screen
  • Tap the Virtual tab in the top-right of the screen
  • Tap Update permanent limit below your virtual card
  • Enter your preferred limit and tap Update
  • Read and accept the agreement
  • Enter your Remote PIN
  • That’s it! Your virtual card limits have been successfully updated

  • Sign in and tap Cards on the app landing screen
  • Tap the Virtual tab in the top-right of the screen
  • Tap Stop Card below your virtual card
  • Choose a reason for stopping your card
  • Tap Stop
  • Confirm that you want to stop the card
  • That’s it! Your virtual card has been stopped

Want to create a new virtual card? Simply tap New Virtual Card.

  • If you tap the virtual card image, the back of the card will appear with the card number and security code hidden
  • Tap Show Card Details below the card image and enter your Remote app PIN to reveal the hidden card details

  • Tap the menu in the top-right of the app landing screen (3 dots)
  • Tap Settings
  • Tap QR settings
  • Choose Scan to pay
  • Choose which card to use for your scan to pay purchases

Yes, your virtual card is secure. It can only be accessed in your Capitec app, which is protected by either your Remote app PIN or biometrics. Any transactions on this card will also be authenticated using the same security measures.

Scan to pay

Scan to pay is a payment service you can use on our app. It allows you to scan a quick response (QR) code directly from our app to pay for your purchases at participating retailers and merchants. You can use your smartphone to scan any of the major QR codes like MasterpassTM, SnapScan or ZapperTM to pay for purchases in-store, at restaurants, checkouts when you shop online and even to pay your accounts like DStv.

A QR code is a quick response machine-readable code which you can scan using your smartphone. It consists of an array of black and white squares and is similar to a barcode.

Scan to pay is convenient and much safer than carrying cash. It also makes paying contactless, and your card won't even need to leave your wallet. The many layers of security within our app make it very safe to use. All purchases are also subject to the card limits you set and must be authenticated by your biometrics, facial recognition or secret Remote app PIN.

Yes, using our app to scan a QR code to pay is easy and fast.

  1. Tap Scan to pay to pay on the sign in screen
  2. Scan the QR code
  3. Enter an amount
  4. Tap Pay – that's it, you're done!

  1. Sign in on our app and tap Transact
  2. Tap Scan to pay
  3. Read and accept the agreement, then allow the app to access your camera
  4. Tap Scan to scan the QR code
  5. Choose a card to pay with (your debit card is your default payment card)
  6. Enter the amount
  7. Tap Pay

  1. Open the app and enter your secret Remote app PIN
  2. Tap Edit to view your current favourites
  3. Choose Scan to pay from the list of favourites

You can have a maximum of 6 favourites displayed on the home screen. So if you already have 6, you'll have to remove one of your current favourites.

You can scan to pay at any store (in-store and online) that displays a major QR code like MasterpassTM, SnapScan or ZapperTM. Just some of these businesses include our Live Better benefits partners like Dis-Chem and Shell and retailers like Shoprite, Checkers and Pick n Pay. You can also scan to pay your DStv account.

Your Global One debit card is automatically your default payment card. If you have more than one card, you can choose which one you want to use to pay. 

To change your default payment card on our app:

  1. Sign in on our app and tap the menu in the top-right corner
  2. Choose Settings
  3. Choose QR settings
  4. Tap Scan to Pay
  5. Set your default card

Any purchases (online and in-store) and agreements for these purchases are between you and the merchant. Purchases are subject to the relevant merchant’s terms and conditions. You'll need to contact the merchant to resolve the matter. In the event that a merchant is unwilling to resolve the dispute, you may contact Capitec with the supporting evidence and we will process a dispute (chargeback) with the merchant’s bank.

Please contact our 24hr Client Care Centre on 0860 10 20 43 or visit your nearest Capitec branch.

When you use scan to pay, you don't pay any transaction fees. Depending on the card you choose to pay with, there may be card-related fees e.g. if you use your credit card, you may be charged interest on your credit card balance. Also note, data costs may be applicable when using our app based on your network provider.

We use MasterpassTM to display the transaction history. MasterpassTM only returns the last 10 transactions. To view all scan to pay transactions, check your transaction history on our app or your bank statement.

No one can use your phone to scan to pay, unless they have access to your biometrics, facial recognition or secret Remote app PIN.

Immediately report the loss of your phone by contacting our 24hr Client Care Centre on 0860 10 20 43 or visit your nearest Capitec branch.

Once you've scanned a QR code and paid, a notification screen will display on the app confirming the payment.

You can also view your transaction history on our app:

1. Sign in and tap Transact
2. Tap Scan to pay
3. The last 10 transactions will be displayed

When you scan a QR code to pay, the recipient details will be displayed on your smartphone's screen – use these details to identify that you are paying the intended recipient. Remember, you can cancel the transaction if you feel uncertain, uncomfortable or if the incorrect details are displayed.

Yes you can. The other client must simply open our app and tap pay me to create their unique QR code. You then scan their QR code, enter the amount you want to pay, and the money is instantly paid into their account. Read more about pay me.

To use scan to pay on our app, you need a good signal and data connectivity. Network service is a requirement for both you and the recipient of the QR payment. We cannot control or guarantee a mobile operator or internet service provider's network and/or WiFi connectivity when you use our app. Data costs may be applicable when using our app (through a mobile network or WiFi connection) based on your mobile network provider and any charges are your responsibility.

If you accessed scan to pay from your Favourites on the app's sign in screen (without signing in), you won't be able to change the card you are paying with.

The default card will be your Global One debit card. If you'd like to scan to pay using e.g. your credit card or virtual card, first sign in on the app and access scan to pay from your home screen. You'll then be able to choose which card you'd like to pay with.

You can also change your default card for scan to pay transactions on our app:

  1. Sign in on our app and tap the menu in the top-right
  2. Choose Settings
  3. Choose QR settings
  4. Choose Scan to pay
  5. Set your default card

Immediately contact our 24hr Client Care Centre on 0860 10 20 43 or visit your nearest Capitec branch.

Pay me

Pay me is a payment service you can use on our app. It's a quick and safe way for other Capitec clients to instantly pay money into your account.

When you tap Pay me on our app, it generates your very own quick response (QR) code. The person making the payment can then use scan to pay on our app to scan your personalised QR code from their phone and make the payment.

It's a quick response (QR) machine-readable code that you can scan using your smartphone. It consists of an array of black and white squares and is similar to a barcode.

  • Open our banking app and enter your secret Remote App PIN or authenticate using biometrics or facial recognition
  • Tap Transact
  • Tap Pay me
  • Choose either My QR or Custom QR
    • My QR is your default QR code, no amount is specified and the payment will automatically go into your main savings account
    • With Custom QR, you can add the amount to be paid by the other person, a unique reference and choose which account it should be paid into
  • If you have more than one account, tap Options to choose which one you'd like to use for receiving payments
    • Your savings account is automatically set as your default account
    • If you only have a credit card account this will be automatically set as your default account. Note: Payments made from a credit card account using a pay me QR code attracts interest from the date of the transaction, and is not eligible for the 55 days interest-free period

Show your pay me QR code to the other Capitec client making the payment. They can scan it using scan to pay on our app to make the payment

Yes, it’s very safe to use. There are many layers of security within our app to secure your personal information. Once the pay me QR code is generated, the information it contains cannot be changed.

Yes, the many layers of security within our app make scan to pay very safe to use. All purchases are also subject to the card limits you set and must be authenticated by your biometrics, facial recognition or secret Remote app PIN. Once you scan someone's pay me QR code, the payment details will first be displayed on screen for you to confirm and approve.

No, pay me will only support person to person (P2P) payments between Capitec clients until further notice.

For quick access, pay me will automatically be added as a favourite on our app if you're a new client. If you're already a client, you can add pay me as a favourite by doing the following:

  • On the home screen, tap Edit to view current favourites
  • Choose Pay me from the list of favourites

Note: A maximum of 6 favourites are displayed on the home screen. If there are already 6, one of your other favourites must first be removed.

Alternatively, if you choose not to create a favourite, you can tap Transact and then Pay me for access.

Immediately. As soon as the other person makes the payment using scan to pay on our app, it's processed immediately and will reflect in your Capitec savings or credit card account instantly.

You can choose which account (main savings, flexible savings plan or credit card) you would like the money to be paid into. To do this, choose Custom QR add the amount to be paid by the other person, a unique reference number and choose which account it should be paid into. If you choose My QR the payment will automatically go into your main savings account.

No, this benefit will not apply. A credit card payment made using a pay me QR code is considered a cash transaction and will accrue interest from the transaction date.

It costs nothing. Neither the person making the payment, nor the person receiving the payment will pay any costs.

Restart the app and if this does not resolve the problem, contact our 24hr Client Care Centre on 0860 10 20 43 for us to investigate further.

No. Access to our app is authenticated by your biometrics, facial recognition or secret Remote app PIN. We also have many layers of security within our app. These include QR code authentication, data integrity, access control and confidentiality, making it very safe to use. Remember never to share your Remote app PIN and phone access code/password with anyone.

Once you've scanned a QR code and paid, the app will display a success screen that confirms the payment.

Pay me transaction receipts will become available in the near future. In the meantime, you can view your pay me transactions on our app:

  • On the app home screen, tap the account you made the payment from (savings account, credit card or your flexible savings plan)
  • View all your transactions or tap Money In/Money Out for specific transactions

Once you've generated your pay me QR code on our app, you can download and save it to your smartphone's photo gallery. If there’s bad network reception or you don't have data, you can simply use the image you saved (without having to sign in and generate your pay me QR code on the app again) to receive your payment.

You won't be able to generate a custom pay me QR code until your phone is replaced. But if you have a previously generated (My QR) pay me QR code that you may have printed or emailed, you can still use it. If you are unable to print the pay me QR you can visit a Capitec branch and they will print it for you. All you need is an email account so that you can email the pay me QR image to the branch.

If your custom pay me QR code doesn't display, you can still use your default pay me QR code. If your default pay me QR code also doesn't display, please ensure that you've updated to the latest version of our banking app and that you have either a mobile or WiFi connection for the app to retrieve your default QR code.

Note: You don’t need to have data, but a data connection is required.

Yes, choose Custom QR to add the amount the other person will pay, and choose which account it should be paid into. The amount you specify will appear when the person making the payment uses scan to pay on our app to scan your QR code.

Yes, choose Custom QR to add a unique description to your pay me QR code. That description will appear when the person making the payment scans your QR code with scan to pay on their phone.

You might be experiencing a temporary loss in mobile internet connection, causing the app not to display your custom pay me QR code. Once your mobile connection is better, the service should be available again. However, if your default pay me QR code is saved in your smartphone's photo gallery, you can still use it to accept payments.

Yes, your default pay me QR code and custom pay me QR code can be downloaded to your smartphone. Once downloaded, you should be able to view your QR codes in your smartphone's photo gallery.

No, pay me QR codes don't expire.

The QR code will no longer be valid if the account has been closed.

No, they will not be added as a beneficiary in your list. The benefit of pay me is that you don’t need to know the details of the person you're paying. When you scan their pay me QR code, you're able to make a quick once-off payment to the other Capitec client.

If you would like to add someone as a beneficiary for recurring payments, you can tap Pay beneficiary on our app and load their details; either using their registered cellphone number (Capitec clients only) or account details. You can then pay them by EFT.

Alternatively, you can also pay other Capitec clients on Mobile Banking*120*3279# using their registered cellphone number.

Yes, the maximum limit is R500 000. This applies to both receiving a payment using your pay me QR code, and also making a payment using another client's pay me QR code through scan to pay on our app.

No, you can't use your Live Better savings account to make or receive payments using a pay me QR code at this time.

Send cash

Below is a list of frequently asked questions

Capitec clients can use our app, *120*3279# or Internet banking to send cash to friends and family to collect for free at any Ackermans, PEP, PEP HOME, PEP CELL, Shoprite, Checkers, Usave, Game, Pick n Pay, Boxer or Capitec ATM near you.

There are 3 ways to send cash. You can use our banking app, Internet banking or dial *120*3279# and reply 9.

The recipient can visit any Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave, Shoprite or Capitec ATM. It’s free to collect the cash, and the recipient just needs the reference number (shared to the sender through a direct messaging platform i.e. WhatsApp) and the 4-digit secret code.

Clients need to carry their SA ID document, the reference number and the 4-digit secret code to collect cash at Ackermans, PEP, PEP HOME and PEP CELL stores.

You only need to carry the reference number and the 4-digit secret code to collect cash at Pick n Pay, Boxer, Checkers, Usave, Shoprite or a Capitec ATM.

If the cash is not collected, the amount will be paid back into your account after 30 days. If you don't want to wait, you can collect the cash at any Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave, Shoprite or Capitec ATM.

App and Internet banking:

  • You can send up to R3 000 per transaction
  • The daily limit is R5 000, and you can send up to R24 990 cash per month
  • The minimum amount that can be sent is R40

USSD (*120*3279#):

  • You can send up to R1 000 per transaction
  • The minimum amount that can be sent is R40
  • The daily limit is R1 000, and you can send up to R24 990 per month

No, at this time those are the maximum amounts you can send per transaction, per day and per month.

You can call our 24hr Client Care Centre on 0860 10 20 43.

  • To send R40 – R1 000: R10 on our app, online banking or *120*3279#
  • To send R1 010 – R3 000: R16 on our app or online banking

Collecting the cash is free at Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave, Shoprite or Capitec ATM.

Unfortunately not at this time.

You can collect cash at any Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave or Shoprite near you.

DebiCheck

DebiCheck is a type of debit order that puts you in control. With DebiCheck you have to electronically approve the details of a debit order with your bank before it can be processed to your account.

This happens once-off at the start of a contract and reduces the risk of an incorrect or fraudulent debit order being collected since DebiCheck debit orders can only be processed according to the agreement (mandate) that you have confirmed.

Not sure what a debit order is? Learn all about different types of debit options.

DebiCheck requires you to confirm a new contract and mandate before it can be collected from your account. The bank is now able to verify whether the debit order information is correct before processing it. You cannot reverse a DebiCheck that was collected on the date and for the amount that you approved with your bank. You know who is collecting the money from your account and you can resolve any disputes with the service or credit provider.

Other debit order mandates do not need your confirmation before it can be submitted for collection. Banks are unable to verify whether the debit order information is correct before processing it. If the collecting party has an invalid mandate, the EFT debit order will still be processed. EFT debit orders can be reversed immediately if disputed within 40 days.

DebiCheck has already been implemented across many banks and service providers, but there are still those that need to get on board. So while all service providers will eventually be required to use DebiCheck, they might not be ready to give you the option yet.

To give yourself peace of mind, ask the service or credit provider whether they use DebiCheck. If they don’t, ensure that you have a copy of the signed contract or ask for a reference for the telephonically approved (voice) recorded mandate.

If a debit order does not match the information on the register at your bank, you may request that the bank suspend the debit order. The debit order will not be processed to your account in future but you should still contact your service provider to confirm that you are cancelling the debit order. Please note that suspending the debit order does not cancel the contract that you have. This is something you must do directly with the service provider.

Download our latest transaction fees to learn about our fees for DebiCheck transactions.

Authenticated debit orders collected outside of the mandate, either the previous business day or next business day, cannot be disputed effective, Monday, 23 October, 2023.

Mobile banking

Mobile Banking offers simple, easy-to-use banking on your cellphone. Simply dial *120*3279# to buy prepaid airtime and electricity, get balances and statements, send cash to friends and family, pay other Capitec clients, and much more.

If you don't have airtime, dial *130*3279# first to top up your airtime – your service provider allows this transaction free of charge.

There is no wait at all. Once you have successfully registered at one of ​our branches you can start using Mobile Banking immediately.

With USSD (unstructured supplementary services data) you interact directly from your cellphone by making selections from various menus. It’s more secure than an SMS because a USSD message creates a real-time connection, so it doesn’t store any typed information on your phone. You also have to enter your Mobile Banking PIN to confirm certain transactions, keeping your money safe.

Service providers typically allow you to transact within 2 – 3 minutes (ask your service provider how long their USSD sessions last). If you've lost connection or the session times out and you've already typed information in or made a menu selection, you can continue your transaction at the point where you left off by redialling the service within 5 minutes of the disconnection or timeout.

This means that you've reached the time limit for a session set by your service provider – this is referred to as having ‘timed out’. If this happens and you confirmed your transaction by entering your Mobile Banking PIN, the transaction will still be processed and a SMS confirmation will be sent to you. If you haven’t confirmed by entering your Mobile Banking PIN yet, you can resume the transaction within 5 minutes by dialling *120*3279#.

Almost any cellphone that can receive and send SMSs can be used to access Mobile Banking.

Service providers usually charge 20c for 20 seconds. You can confirm the exact cost with your service provider. If you run out of airtime, dial *130*3279# to top up your own cellphone. This transaction is free of charge.

You have to register a Mobile Banking PIN at the branch when you register for the service. This PIN is used whenever you do a financial transaction and must NEVER be shared with anybody. If your cellphone is lost or stolen, you can suspend access to the service at your nearest branch or by calling Client Care on 0860 10 20 43. You can also change your Mobile Banking PIN at any time using Mobile Banking should it have been compromised.

Your Mobile Banking service is linked to a specific cellphone number. This means that once you've registered, you can only use a cellphone containing your SIM card with your verified cellphone number. If your cellphone is damaged or you replace it, you'll need to insert your SIM card with your verified cellphone number in the new cellphone.

Dial *120*3279# immediately and change your PIN. If you can't change your Mobile Banking PIN, suspend your Mobile Banking service immediately by calling our 24hr Client Care Centre on 0860 10 20 43 or visiting your nearest branch. Remember to keep your PIN secret and never write it down or share it with anyone, even if they claim to be Capitec employees. Read these Mobile Banking security tips.

You must cancel your Mobile Banking service to ensure that no one else can access your account. Call our 24hr Client Care Centre on 0860 10 20 43 or visit any of our branches.

To reset your Mobile Banking PIN, visit your nearest branch your ID or Global One card.

Unfortunately we have no control over the municipalities' and electricity issuers' systems, and we might not be informed or aware of problems. We'll either deliver the electricity token by SMS if we receive it or reverse your money immediately if it failed.

Any Capitec client with a verified cellphone number (i.e. they have registered for SMS Update, Mobile Banking or Internet banking) can be paid using only their cellphone number. Before making a payment, ask your beneficiary to confirm that they have verified their cellphone number with us.

There is no monthly subscription fee for Mobile Banking. For more info view our rates and fees.

The following daily transaction limits apply:

  • Prepaid airtime, data bundles and SMS bundles: Up to R505 collectively 
  • Prepaid electricity: Up to R10 000 (depending on your vendor)
  • Payments to Capitec clients: Up to R3 000

This is a safety mechanism to protect your account from unauthorised access. You have a maximum of 5 attempts before your Mobile Banking PIN is blocked. If your Mobile Banking PIN is blocked by accident, visit your nearest branch to reset your Mobile Banking PIN.

Yes, but you can only view the last electricity token that you bought.

We currently support Telkom Mobile, Cell C, MTN and Vodacom for direct airtime top-up.

We use direct airtime top-up, which means that voucher-based amounts don't apply. The airtime amounts have been carefully chosen for the convenience of all our clients.

Ask your local electricity provider to find out whether you qualify and, if so, how you go about receiving it.

Call our Client Care Centre on 0860 10 20 43 and suspend access to the service. Then contact your service provider to confirm what the issue is and restore your cellular service. You will then need to visit your nearest Capitec Bank branch to reactivate Mobile Banking. Read about our Mobile Banking safety tips and information.

For technical reasons beyond our control, Mobile Banking can only be used within the borders of South Africa.

Credit for home improvement

It’s credit offered at a discounted interest rate over an extended term, that you can use to pay for home improvements. You can only apply through our partners’ websites or at any Capitec branch.

• Enjoy a discounted, fixed interest rate for the term of your loan

• Get up to R500 000 over 84 months

• Apply online or visit a Capitec branch

To apply for credit, you must be permanently employed, 18 years or older and have a valid SA ID document/smart ID card.

The credit assessment will be based on our credit granting rules and your personal credit profile and affordability. You may also need to provide:

  • Your latest 3 consecutive salary slips
  • A bank statement showing your latest 3 consecutive salary deposits (only if your salary is not paid into your Capitec account)
  • No proof of residential address is needed; however, you may be asked to provide supporting documents to complete your application.

For more information, visit capitecbank.co.za.

Follow the link on one of our partners’ websites and complete 3 easy steps to see how much you could qualify for.

No, you do not have to be a Capitec client to apply.

You can’t use credit for home improvement to settle an existing loan. But if the existing loan reflects on the credit bureau and you qualify for either a Capitec personal loan or access facility, it can be settled with the proceeds.

You will need:

  • Your latest 3 consecutive salary slips
  • A bank statement showing your latest 3 consecutive salary deposits (only if your salary is not paid into your Capitec account)
  • No proof of residential address is needed; however, you may be asked to provide supporting documents to complete your Application

The interest rate you qualify for is based on your personal credit profile, salary details and affordability. Credit for home improvement is offered at a discounted interest rate, which means you’ll pay less interest compared to any of our other credit products. Once you’ve taken credit with Capitec, you can view your interest rate on your statement or agreement.

There could be various reasons why your credit application was declined and it could vary from client to client.

The most common reasons are:

  • Affordability – you do not meet the minimum affordability criteria
  • Low credit score – when our standard credit scoring model indicates that the credit score for your application is below the minimum required
  • You are under debt administration. Once you are under debt administration, we are not allowed to enter into a credit agreement with you
  • One or more of your Capitec accounts were previously handed over to an external debt collector due to non-payment

We unfortunately cannot provide you with credit while you’re in the debt review process. Only once you have fully paid up your accounts and the debt counsellor has issued you with a clearance certificate, will you be able to apply for credit again.

No, you cannot apply for credit if you are blacklisted.

Your credit score is determined by your credit profile. Below are some guidelines on how to build and maintain a good credit score:

  • If you usually pay for everything in cash, it would help to open some credit facilities to show good credit behaviour
  • Make sure you pay your accounts on time, every time. Don’t skip payments – even if you pay double the next month, it will negatively affect your credit profile
  • Don’t be tempted by easy credit. Avoid loan sharks and ‘pay day’ loans
  • Every time you apply for credit it shows on your credit record. Too many checks will reduce your score, so don’t just apply for credit everywhere you go
  • Make sure you complete any credit application carefully so there are no errors on your credit profile
  • If you think you may not be able to pay your loan or account, contact your credit provider to discuss repayment options. Don’t ignore the problem

We encourage you to download our free Money Guide to get tips and learn more about how to manage your money.

To help improve a low credit score:

  • Make sure that any accounts in arrears are brought up to date, and that all defaulted accounts are settled in full. If you need to, contact each creditor and try to arrange a suitable payment arrangement to help you settle the accounts
  • Ensure that all your remaining accounts are paid on time each month and try not to make any new credit applications
  • Avoid quick, ‘pay day’ loans as this will reflect on your credit profile and contribute to a lower credit rating
  • Once you have done the above, maintain good payment behaviour for at least 3 – 6 months before you apply for credit again

The credit will have to be repaid in full according to the Capitec credit agreement signed.

Credit for home improvement is used for a specific need like building materials and/or labour. It’s offered at a discounted interest rate and over an extended term. You can only apply through our partners’ websites.

A term loan or personal loan can be used for various needs and the money is paid into your bank account on approval, but you won’t receive a discounted interest rate or an extended term.

You can apply online directly from our partners’ websites. Complete 3 easy steps to see if you qualify, and if you do a consultant will contact you to complete your application.

Once your application has been approved, you just have to approve your DebiCheck debit order.

The interest rate you qualify for is based on your personal credit profile and affordability. Credit for home improvement is offered at a discounted interest rate, which means you’ll pay less interest compared to any of our other credit products. Once you’ve taken credit with Capitec, you can view your interest rate on your statement or agreement.

Once you’ve completed the online estimate steps, you’ll have the option to choose ‘I’m interested’ or ‘Cancel’. If you’d like to go ahead with the credit application, choose ‘I’m interested’ and a consultant will contact you to complete your application.

You will receive a call from our call centre to request that you send the documents required to CreditDocuments@capitecbank.co.za. Make sure that you send us all the required documents to complete your application and ensure the provisional quote you send is the final one.

You can call us on 0860 88 88 40, Monday – Friday 8am – 6pm or Saturdays 8am – 1pm.

Credit for your needs

It’s credit offered at a discounted interest rate over an extended term, that you can use to pay for a specific need. You can only apply through one of our partners from their website.  

  • Enjoy a discounted interest rate 
  • Repay your credit over a longer term 
  • No need to visit a branch, apply online  
  • The credit is paid directly to the partner, so no further payments need to be made 

To apply, you must be 18 years or older and have valid SA ID document/smart ID card. The credit assessment will be based on our credit granting rules and your personal credit profile and affordability. You may also need to provide: 

  • Your latest 3 consecutive salary slips 
  • A bank statement showing your latest 3 consecutive salary deposits (only if your salary is not paid into your Capitec account) 
  • No proof of residential address is needed; however, you may be asked to provide supporting documents to complete your application 

Follow the link on the partner's website and complete 3 easy steps to see how much you could qualify for. 

No, you do not have to be a Capitec client to apply. 

You can't use this type of credit to settle an existing loan. But if the existing loan reflects on the credit bureau and you qualify for either a Capitec personal loan or access facility, it can be settled with the proceeds. 

You will need: 

  • Valid SA ID document/smart ID card  
  • Your latest 3 consecutive salary slips 
  • A bank statement showing your latest 3 consecutive salary deposits (only if your salary is not paid into your Capitec account) 
  • A standard invoice or quote from one of our listed partners, not older than 30 days 
  • No proof of residential address is needed; but you may be asked to provide supporting documents to complete your application 

The interest rate you qualify for is based on your personal credit profile, salary details and affordability. The credit is offered at a discounted interest rate, which means you'll pay less interest compared to any of our other credit products.  

There are various reasons why your credit application could be declined. The most common reasons are:  

  • Affordability. You do not meet the minimum affordability criteria 
  • You have a low credit score. See how you can improve your credit score to qualify for credit in future  
  • You are under debt administration. Once you are under debt administration, we are not allowed to enter into a credit agreement with you 
  • One or more of your Capitec accounts were previously handed over to an external debt collector due to non-payment 

We unfortunately cannot give you credit while you’re in the debt review process. Only once you have fully paid up your accounts and the debt counsellor has issued you with a clearance certificate, will you be able to apply for credit again. 

No, you cannot apply for credit if you are blacklisted. 

Your credit score is determined by your credit profile. Below are some guidelines on how to build and maintain a good credit score: 

  • If you usually pay for everything in cash, it would help to open some credit facilities to show good credit behaviour 
  • Make sure you pay your accounts on time, every time. Don’t skip payments – even if you pay double the next month, it will negatively affect your credit profile 
  • Don’t be tempted by easy credit. Avoid loan sharks and 'pay day’ loans 
  • Every time you apply for credit it shows on your credit record. Too many checks will reduce your score, so don’t just apply for credit everywhere you go 
  • Make sure you complete any credit application carefully so there are no errors on your credit profile 
  • If you think you may not be able to pay your loan or account, contact your credit provider to discuss repayment options. Don’t ignore the problem 

We encourage you to download our free Money Guide to get tips and learn more about how to manage your money. 

To help improve a low credit score: 

  • Make sure that any accounts in arrears are brought up to date, and that all defaulted accounts are settled in full. If you need to, contact each creditor and try to arrange a suitable payment arrangement to help you to settle the accounts 
  • Ensure that all your remaining accounts are paid on time each month and try not to make any new credit applications 
  • Avoid quick, 'pay day' loans as this will reflect on your credit profile and contribute to a lower credit rating 
  • Once you have done the above, maintain good payment behaviour for at least 3 – 6 months before you apply for credit again 

This is credit for a specific need, which is offered at a discounted interest rate and over an extended term. You can only apply through one of our partners from their website.  

A term loan or personal loan can be used for various needs and the money is paid into your bank account on approval, but you won't receive a discounted interest rate or an extended term. 

You can apply online directly from the relevant partner's website, or scan the QR code in-store to start your application (where available). Complete 3 easy steps to see if you qualify, and if you do a consultant will contact you. 

Once your application has been approved, you just have to approve your DebiCheck debit order and then the money will be paid directly to the partner. 

The interest rate you qualify for is based on your personal credit profile and affordability. The credit is offered at a discounted interest rate, which means you'll pay less interest compared to any of our other credit products. Your interest rate and monthly fee will show on your statement or agreement. 

Please pay me

Please pay me is the clickable version of QR Pay me. Clients can use it to share a secure payment link using our app's Pay me share option.

Two clients need to be together in the same place to make payments using QR Pay me.

Please pay me lets clients who are not together in the same place make and receive payments without sharing their bank account details.

You pay no fees for sending a Please pay me secure link because it is a Capitec to Capitec payment.

You pay no fees for a Please pay me payment because it is a Capitec to Capitec payment.

You can contact Client Care on 0860 00 20 43

Yes, you can use the link more than once.

You can choose Pay me under favourites on our app screen if you're not signed in, or go to Transact> Pay me once you sign in.

Depending on your needs, you can choose a static or custom QR code.

You can add an amount and description when you choose custom QR

Choose Share Now (next to the download option) to ask for a payment.

The app will open a list of available messaging apps.

Choose the messaging app you want to use and share the link.

Payments are immediate.

The account your payment will come into will be set to your main savings account.
You can change the account in Settings>QR Settings>Pay me>Default Account

The account you pay from will be set to your main savings account. You can change the account in Settings>QR Settings>Scan to Pay>Default Account

They will be sent to a secure website page where they can add their card details to get payments from other banks.

The website page will also have the option to download our app and use it to open an account.

Custom QR lets you add the description of the payment and the amount you need to be paid.

Your bank statement will have the details of the person who paid you.

My QR is a payment request without a specified amount. Custom QR lets you specify the amount you are requesting to be paid.

No, it can only be used on our app right now. We have plans to include USSD in the future.

Yes, you can forward a link sent to you for someone else to pay.

Pay me will be added as a favourite on our app if you're a new client. If you're already a client, you can add pay me as a favourite:

- Tap Edit on our app's homescreen to view your current favourites
- Choose Pay me from the list of favourites

Home Loans

Yes, you can visit Capitec Home Loans (www.capitechomeloans.co.za) to apply online

You can visit Capitec Home Loans (www.capitechomeloans.co.za) to apply online or visit your nearest Capitec branch.

SA Home Loans is a mortgage finance provider. Their aim is to offer the best in every service associated with being a home loan provider. Capitec Home Loans is brought to you by SA Home Loans. Capitec Bank originates the application on behalf of SA Home Loans, while SA Home Loans assesses and approves the credit application.

No, Capitec Home Loans is in association with and funded by SA Home Loans

The maximum home loan amount on offer for permanently employed clients is R5 million and R3.9 million for self-employed clients.

Anyone between the ages of 18 – 60 years old, who is permanently employed or self-employed, has a good credit record and is not under debt counselling could qualify for a Capitec home loan. The home loan amount you qualify for will be based on your personalised risk profile, credit profile and affordability.

Note: There are specific requirements for foreigners (non-South African citizens):

  • The home loan amount issued may not exceed 50% of the purchase price of the property
  • The buyer must obtain consent from the Reserve Bank prior to the transaction being finalised. The application to the Reserve Bank can only be handled by an appointed dealer which includes the commercial banks
  • Proof must be provided that the funds for the deposit come from the country of origin. This can be done by the attorneys involved in the property transfer
  • A statement of foreign assets and liabilities must also be made available

Before you start shopping around, you can use the Capitec Home Loans affordability calculator to get a detailed breakdown of what we may be able to offer you. Remember that the affordability calculator provides you with an estimate, but the final offer is subject to a full risk, affordability and credit assessment.

No, you do not have to be a Capitec client to apply for a Capitec home loan.

Yes, we may be able to offer you a more competitive interest rate on your home loan if you move to Capitec. A full risk, affordability and credit assessment will be done based on your personalised profile to determine whether you qualify.

We can assist with the process of financing a property if it’s for investment purposes, but the maximum loan offered will only be up to 80% of the value of the property. In other words, if the property value is R1 million, you will have to pay a 20% deposit of R200 000 upfront. Capitec Home Loans will then assist with financing the balance.

As a general rule, the monthly bond repayment amount may not exceed 30% of your gross monthly income.

If you switch to Capitec Home Loans, we may be able to offer you a more competitive interest rate on your home loan.

If you move your bond and pay a lower interest rate and monthly instalment, you could free up some money in your monthly budget. You can use the cash on projects such as home improvements.

Other possible benefits include:

  • Access to any additional value in your property (known as equity – a once-off cash amount you could get out)
  • Use any equity you receive to reduce your short-term debt, do home improvements or towards education
  • You don't have to worry about paying new bond or home loan registration fees upfront – these costs can be financed as part of your Capitec home loan
  • Moving your bond is a simple process – completing the application online will take you under 5 minutes and we’ll take care of all the paperwork

Email these documents to Info@capitechomeloans.co.za after submitting your application:

Permanently employed (for both applicants, if applicable)

  • Latest 3 months' salary slips
  • Latest stamped 3 months' personal bank statements
  • Copy of SA ID document
  • Copy of marriage certificate or antenuptial contract (ANC) (if applicable)
  • Copy of the signed offer to purchase agreement
  • Personal assets & liabilities statement for loan amounts over R2.5 million

Self-employed (for both applicants, if applicable)

  • Proof of income: Letter of drawings from an accountant (Latest stamped 6 months' personal bank statements
  • Personal assets and liabilities statement
  • Latest stamped 6 months' business account bank statements
  • Latest 2 years' annual financial statements
  • Where annual financial statements are older than 6 months to date, current management accounts not older than 2 months signed by the applicant and accountant must be provided in addition to the annual financial statements
  • Copy of SA ID document
  • Copy of marriage certificate or antenuptial contract (ANC) (if applicable)
  • Copy of registration documents or trust deed
  • Copy of the signed offer to purchase agreement

To increase your chances of approval ensure that you:

  • Have all your documents ready and available to submit, such as salary slips, bank statements or up-to-date financials if you are self-employed (see full list of documents needed to apply here)
  • Used the Capitec Home Loans affordability calculator to work out how much you could qualify for before applying
  • Have taken into account all the added costs that come with home ownership. You must also be able to afford the monthly municipal rates and utilities, homeowner's cover and bond protection insurance. Capitec Home Loans will also have to take these expenses into account when calculating your affordability, and not just the actual bond repayment
  • Made provision to pay a deposit on your home loan if you’re able to
  • Have funds available to pay the transfer fees and bond costs (you will see an estimation of these costs when you use the Capitec Home Loans affordability calculator to see how much you could qualify for)
  • Also provided your spouse or partner's income details in your application. When applying for a joint home loan with a spouse or partner, it is preferable to provide the income details for both applicants – even if the home loan instalment will be paid by only one of the applicants. This will give your home loan provider the ability to accurately work out your household affordability

Provided accurate and up-to-date information on your application form

If you received a ‘provisional yes’ offer after submitting your online application, you'll receive an SMS notification with your application reference number. You can visit Capitec Home Loans and use the reference number and your SA ID number to track your application.

  • Once your application is submitted, you can visit Capitec Home Loans to track your application using your SA ID number and the reference number sent to you
  • You can speak to your dedicated property finance consultant (whose details will be provided to you) at any time
  • You can call us on 0861 200 300 or email Info@capitechomeloans.co.za if you have any questions or queries

Once you complete your online application, you will receive a reference number to track your application online. You'll also receive the details of a dedicated property finance consultant who will help you with your application, and keep you informed throughout the process. You will need to send all the required documents to your dedicated consultant, who will contact you within 1 business day.

No, your application is still subject to a risk, affordability and credit assessment which will determine the final result. You can track the progress of your application online using your reference number.

The interest rate you qualify for on your home loan is based on your perceived lending risk, deposit amount and credit rating

  • Capitec Home Loans in association with SA Home Loans offers standard flexible interest rates and a home loan term of up to 360 months/30 years
  • This gives you the option to repay your bond over a term that you are comfortable with
  • Reducing the term of your home loan can significantly reduce the amount of interest you repay on your bond
  • All of the options and information mentioned above will be explained to you in detail by your dedicated property finance consultant

The interest rate you qualify for is largely based on your risk profile. So the lower your perceived lending risk, the lower the interest rate could be, and vice versa.

Other common factors taken into consideration when calculating your home loan interest rate includes the deposit amount you’re able to pay and your credit rating. For example, the bigger the deposit you pay on a property, the lower the home loan interest rate will be. 100% loans for example, don’t require a deposit but attract a higher interest rate. A similar principle applies to your credit rating – the higher your credit score, the lower your interest rate could be.

A discounted interest rate may be available to qualifying government employees. If you're a government employee and choose to make use of the Government Employee Housing Scheme (GEHS) stop order to SA Home Loans, a discount will be guaranteed.

Once you have applied, your dedicated property finance consultant will explain the terms and conditions to you in detail. You can call us on 0861 200 300 or email Info@capitechomeloans.co.za if you have any questions or queries.

It’s important to understand the full cost implications of buying property. The estimated costs of buying a home include a number of once-off fees, many of which are legal or administrative costs, for which you need to be financially prepared.

Taxes and fees you can expect to pay when buying a property include:

Transfer duty

This is the government tax levied for transferring a property from a seller’s name to a buyer’s name. This percentage amount is paid directly to a transferring attorney, who is then responsible for paying it across to the South African Revenue Services (SARS), on the buyer’s behalf, before the transfer of the property goes through. No property transfer will be recognised until this fee is paid to the state.

The transfer duty amount you’ll be expected to pay depends on the purchase price of the property. There’s no transfer duty paid on properties of R1 million or less, for example; different tax thresholds then apply to the transfer of properties of more than R1 million, calculated according to the price range into which the property falls.

Conveyancing costs

Conveyancing attorneys are paid a fee for registering and transferring a title deed into a buyer’s name. This fee amount is determined on a sliding scale, based on the value of the property.

Bond registration

You can expect to pay a once-off fee to the Deeds Office for the legal registration of your home loan. This fee is a fixed amount based on the amount of your home loan and is paid to the Deeds Office before the registration of your bond. Your bond will have to be registered at the same time as the seller’s bond is cancelled and the transferred is registered with the Deeds Office.

Postage and sundries

The registering (bond) attorney will charge you a small fee for the postage of all necessary documents (i.e. to you, the Deeds Office, estate agent etc.) to register the property in your name.

Home loan initiation fees

There are some administrative setup fees involved in processing your home loan application. This amount is paid on registration of your bond and is often added to your outstanding home loan balance.

Once you’re a homeowner, there are also regular monthly costs to consider that you may not have paid if you were renting:

  • Municipal rates, water and electricity costs
  • Insurance costs like homeowner's cover and bond protection insurance
  • Property maintenance costs and repairs

All new Capitec home loans automatically qualify for up to 40% discount on the bond registration costs. If you have an existing home loan and are switching your bond to Capitec Home Loans, you'll automatically qualify for a discount of up to 50% on the bond registration costs.

Note: Tariff rates are subject to change. These are recalculated and published after the national budget each year.

If you switch your existing home loan from another credit provider, you'll be charged cancellation fees by your provider. This is to cancel the loan with them before registering your home loan with Capitec Home Loans. 

The minimum home loan amount will be determined by your household income and the property options available to you. Use the affordability calculator on capitechomeloans.co.za see how much you could qualify for.

No you cannot, because Capitec Home Loans is brought to you in association with SA Home Loans. Capitec Bank originates the application on behalf of SA Home Loans. SA Home Loans assess and approves the credit application.

A registered formal document that provides proof/confirmation that someone is the owner of a property.

A formal written document from the buyer to the seller offering to buy the property at a certain price. The process is usually facilitated by an estate agent who provides the document to the buyer and seller to sign.

Loan to value (LTV) is the amount borrowed against an asset, represented as a percentage of the current (i.e. marked to market) value of the asset. Paying a deposit decreases the LTV.

Example 1:

Purchase price of the property = R1 million

Loan required = R1 million

LTV = 100%

Example 2:

Purchase price of the property = R1 million

Loan required = R800 000

Deposit amount = R200 000

LTV = 80%

There could be various decline reasons which may vary from client to client.

The most common decline reasons are:  

  • Low credit score: When the Capitec Home Loans' credit scoring model indicates that the credit score for the application is below the minimum required
  • Loan to value: When the home loan deposit amount provided is too low for the given purchase price
  • Repayment to income: The applicant’s income is not sufficient for the home loan amount required

No, unfortunately we’re unable to assist you with a home loan if you’re under debt review, debt administration or debt counselling. Only once you’ve paid up your accounts in full and the debt counsellor has issued you with a clearance certificate, will you be able to apply for a home loan.

No, unfortunately we're unable to assist you with a home loan if you’ve been blacklisted. Only once you’ve paid up your accounts in full and your blacklisted status has been removed from the credit bureaus, will you be able to apply for a home loan.

Your credit score is determined by your credit profile. Below are some guidelines to build and maintain a good credit score:

  • If you’re used to paying for everything in cash, it’s a good idea to open some credit facilities to show good credit behaviour
  • Make sure you pay your accounts on time, every time. Don’t skip payments – even if you pay double the next month, it will negatively affect your credit profile
  • Don’t be tempted by easy credit. Avoid loan sharks and “pay day” loans
  • Every credit check on your profile is noted and too many checks will reduce your score – so don’t apply for credit everywhere you go
  • Make sure you fill out your credit applications carefully, so there are no errors on your profile

If you think you may not be able to pay your loan or account, contact your credit provider to discuss repayment options. Don’t ignore the problem

A low credit score can be improved by following these steps:

  • Ensure that any arrear accounts are brought up to date, and that all defaulted accounts are settled in full. Contact each creditor, if need be, and try to arrange a suitable payment arrangement which would allow you to settle the accounts
  • Ensure that all your remaining accounts are paid on time each month and avoid making new credit applications
  • Don’t take out any quick, “pay day” loans as this will reflect on your credit profile and contribute to a lower rating
  • Once you’ve done the above, wait for at least 3 – 6 months – maintaining your good payment behaviour – in order for your credit rating to improve before you apply for a home loan

Insure

The policyholder can add up to 21 family members on their funeral plan.

The policyholder can have a maximum of 2 beneficiaries.

If you have more than one spouse, the additional spouses can be covered as extended family members.

You can get cover for up to 8 children at any one time. Any additional children (more than 8) can be added as extended family members.

You can get cover for up to 4 parents at any one time. Any additional parents can be added as extended family members.

You can add any additional spouses, children (more than 8) and parents (more than 4) \as extended family members. You can also add grandparents and great-grandparents, brothers and sisters (including in-laws), uncles and aunts, nephews and nieces, first cousins, grandchildren and great-grandchildren.

Certain of your spouse's close family members can also be added as extended family members.

An extended family member must have some form of close family relationship with the policyholder, and this relationship must be in place when the policyholder takes out the cover.

The policyholder/main life assured (you) must have a minimum cover of R5 000 on the funeral plan.

Cover starts as soon as the funeral plan is signed by the policyholder.

Having all dependants on one plan means that the policyholder pays only one premium per month. Monthly premiums are also generally more affordable if you have one funeral plan instead of multiple plans.

If all the required documents are provided, the death claim cover amount will be paid out within 24 hours.

The claim will not be paid if all the required documents are not provided, if the type of death is natural and within the waiting period (and evidence to have the waiting period waived is not provided), if the claim is deemed to be fraudulent, or if the date of death is after the policy has lapsed or been cancelled.

We will not pay a claim if it is as a direct or indirect result of unlawful and criminal acts (where a life assured dies due to participation in any unlawful or criminal act), active participation in war, invasion, acts of foreign enemies, hostilities, illegal strikes, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising or riot, military or usurped power.

Dis-Chem partnership

To get 2% cash back on selected items in-store you need to activate Live Better and pay with your Capitec card (debit or credit) or scan to pay (if available in-store).

Activate using any one of these methods:

  • Existing clients with an active Global One account can follow the prompts on our app to accept the Live Better Agreement, or accept the Live Better Agreement in branch
  • This will activate your Live Better savings account for you to receive Live Better rewards
  • New clients automatically have Live Better activated when opening a Global One account

Pay with your Capitec card (debit or credit) or scan to pay (if available in-store) at a Dis-Chem or Baby City store to get 2% cash back on selected items.

In-store cash back excludes:

  • Baby formula
  • Baby feeding accessories
  • Wicode payments
  • Gift card payments
  • Dis-Chem Benefit card redemptions
  • Plastic bags
  • Prescription medication

No, you must activate Live Better before you can start accumulating cash back.

Cash back gets paid into your Live Better savings on the 10th of every month, as per the Live Better benefit payment terms and conditions.

No, cash back will never expire.

  1. Sign in on our app
  2. Tap Transact on the tab bar
  3. Tap Transfer money
  4. Choose your “To account” and enter the amount you want to transfer along with a description, if needed. Tap Transfer
  5. Tap Done to return to your Live Better savings transaction history, or Transfer again to make another transfer from your Live Better savings

  1. Sign in on our app
  2. Your rewards balance will show under Live Better

No. You can only swipe one Dis-Chem Benefit card per transaction to earn additional rewards (as per the Dis-Chem Loyalty Ts and Cs).

You will only receive Capitec Live Better cash back if you pay for the transaction with your Capitec debit or credit card.

Simply activate Live Better and pay with your Capitec debit or credit card at a Dis-Chem or Baby City store to earn 2% back. As an additional benefit you can swipe your Dis-Chem Benefit card to also earn 1.5% back in rewards on your Dis-Chem Benefit card.

For any Live Better queries or questions, contact Capitec’s Client Care Centre on 0860 10 20 43 or email clientcare@capitecbank.co.za

Alternatively, send queries or questions to the Dis-Chem support desk on careline@dischem.co.za or call 0860 347 243.

Shell Partnership

You can ask a Shell service champion for a card at any participating Shell service station in South Africa.

You can register using any one of these methods:

  • USSD: dial *120*7368# and follow the prompts
    You must use your own cellphone to register, as the cellphone number used to register will be linked to the card. Standard USSD rates apply
  • QR code: scan the QR code on the back of the V+ card. This will take you to the registration page
  • Online: visit v-plus.co.za and follow the steps
  • Telephone: call Shell’s Help Desk on 031 001 3390

Swipe your registered V+ card and pay with your Capitec card or scan to pay at participating Shell service stations to get 20c per litre cash back on fuel (fuel transaction) and 0.5% cash back on selected items in-store at Shell Select (non-fuel transaction). This excludes tobacco, phone cards, lubricants, car wash and municipal services.

No, you must register your V+ card before you can start accumulating cash back.

Yes, your cash back will expire 12 months from the date of issue.

No, cash withdrawals cannot be made from the V+ card.

When you swipe your V+ card for a fuel transaction, the service champion will let you know how much cash back you have available to use. Your previous balance will also reflect on your receipt. The new balance for fuel or non-fuel transactions will only update on the system after 5 minutes.

Alternatively, you can check your cash back balance anytime when you:

  • Dial *120*7368#
  • Scan the QR code on the back of your card and follow the prompts
  • Log into your account on v-plus.co.za
  • Call Shell’s Help Desk on 031 001 3390

Before you can spend your cash back for the first time, you must set a PIN for your V+ card.

Simply:

  • Visit v-plus.co.za
  • Log in or register using your V+ card number and cellphone number
  • Go to Manage cards
  • Set your PIN

You can then spend your cash back on fuel or anything you need at Shell Select when you swipe your V+ card and enter your PIN.

No, you do not get cash back when spending the cash back you accumulated on your card.

You can have up to 3 active cards linked to your account. These should be registered with the same ID number and cellphone number.

All cards have the same ability to get and spend cash back, so you can't limit spending to one card only. This means:

  • Because all cards are linked to one account, the cash back accumulated on each separate card is displayed as one total amount
  • You cannot allocate cash back to specific cards only
  • You cannot choose only one card to spend the cash back with
  • As long as you have the V+ card PIN, you can use any of your registered cards to spend your accumulated cash back

If you need more than 3 cards linked to your account, contact Shell’s Help Desk for assistance on 031 001 3390.

No, you can only swipe one card per transaction.

You get 20c per litre of fuel cash back when you swipe your registered V+ card and pay with your Capitec card or scan to pay. If you swipe your registered V+ card without paying with a Capitec card, you only get 15c per litre cash back on fuel.

Contact Shell’s Help Desk on 031 001 3390 and they will change it for you.

You can call Shell’s Help Desk on 031 001 3390 from Monday – Friday, 8:30am – 3:45pm.

Business Banking

Click or tap the Open an Account button wherever you see it on the Business bank website and fill in the quick contact form. A Relationship Banker will contact you shortly after to open your Capitec Business account.

Simply go back to the webpage, you will either resume where you dropped off or restart the process – depending on where you stopped. If the selfie you take to restart the process doesn't match the initial selfie, the process will fail. Remember our perfect selfie tips:

  • Remove any masks, glasses or hats
  • Make sure you have a solid background and good, clear lighting (not too dark or too sunny)
  • Make sure your camera lens is clean

You will have access to a dedicated team of professional and well-equipped Relationship Bankers.

A Virtual Card is a completely digital bank card which is accessible on your app or online and has the same characteristics of a physical card. It allows you to make purchases online as well being able to set it as the default card for scan to pay transactions, safely and securely. In addition, you can use your virtual card details on platforms such as Uber, FlySafair, Netflix, Takealot or MrD… just remember to set your online limits on Online Banking.

You can open an account on any desktop, mobile phone or Tablet device with an internet browser. To access our mobile App, please check your phone's operating system version in your phone's Settings. The App is only available on:

  • Android phones running version 5.0 and higher.
  • Apple phones running version iOS 9.0 and higher.
  • Huawei phones running Huawei Mobile Services and EMUI 10.
  • Tablet devices are not supported at this stage.

Access is included in your monthly fee however your own data charges still apply.

If you are signing up as a new client making use of our digital unassisted remote Onboarding you will be required to capture a facial biometric (selfie) which you can then use going forward as your authentication mechanism (authorisations, approvals, logon).

You can visit any of our digital channels including WhatsApp, App, Online Banking or virtual Relationship Suite. Alternatively, you can visit one of our Business Centres across the country.

No, a Retail Branch Consultant or Contact Centre Agent will not be able to open an account. They will however be fully equipped to provide basic information on Capitec Business’ value proposition and guide you to self-service channels for you to open a transactional account digitally or to contact the Relationship Suite.

As a Business Banking client, you will not be able to perform transactions or related activities within a Retail Channel. Business Banking needs will be facilitated in a Branch and  through the Client Care Centre by guiding you to the correct digital channel and as well as facilitating access to the Relationship Suite telephonically or via Glia support.

You can access any of our digital channels including  App, Internet Banking or the Relationship Suite. Alternatively, you can visit one of our Business Centres across the country.

You can reach out to the Relationship Suite on 0860 309 250, option 4.

We have 20 Business Centres spread across all 9 provinces.

Capitec Business is a digitally led bank and we provide all services online or remotely through the Relationship Centre having access to professional qualified Relationship Bankers.

Our digital channels will be available 24/7 whilst our Relationship Suite will be operating on extended hours (Monday - Friday, 6:30am to 7pm; Saturdays, 8am to 12pm) with the ability to lodge any matters outside of these hours and to be adopted within the trading hours. 

Data Privacy

You have the right to request that we delete your personal information; however, we can only delete what we are legally allowed to. There are some instances where :

  • To provide you with a Capitec service (support centre)
  • To provide you with a product (credit, insurance or banking)
  • We are required by law to retain certain information (for example, transaction records)
  • To protect a legal right (collection of outstanding debt)

You can opt-out of marketing and communication here.

Only people who require necessary access to your personal information to provide you with a Capitec service or product have permission to access your personal information.

No, we always require your consent to send you marketing communications. For example, when you open a Capitec account, we will ask for your consent to send marketing communication to you. But you always have the right to opt-out from these marketing communications.

Only third parties who require necessary access to your personal information to provide you with a Capitec service or product have permission to view your personal information.

For example, the courier service that delivers your Capitec card needs your name, cellphone number and home address to deliver your card.

You can find more information about how we safely and responsibly share personal information with our third parties here:

We’re sorry to hear that you’re not satisfied with how we’re treating your personal information. You can log a complaint here and tell us more about it.

By law, we must keep your personal information for specific periods, but when the retention period passes, your personal information will be deleted or destroyed safely and responsibly. We will keep your information for as long as we have a legal obligation to do so.

To keep your personal information as secure as possible, we keep it in the cloud in accordance with POPIA guidelines. However, we do not send your personal information across borders.

Read our Privacy Policy below for more detail on how we process your information.

Cookies are small pieces of information websites store on your computer. We use cookies to help ensure that you can view and access content on our website, and they help us to understand the content you are viewing. You can read more about cookies and our cookies policy here.

Samsung Pay

Samsung Pay is a convenient and simple way to make mobile payments with compatible Samsung Galaxy smartphones, and it works at virtually any retailer where you can tap or swipe. Retailers still reserves the right to accept or decline contactless phone payments.

Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse for your payment card. Additionally, Samsung Pay adds a level of security to your payment information that physical cards do not have.

Samsung Pay uses proprietary Magnetic Secure Transmission (MST) and Near Field Communication (NFC) technologies to make contactless mobile payments.

Please visit the Samsung Pay website for the latest list of compatible devices.

No, currently you can only use Samsung Pay to make online payments in the Samsung Galaxy App and Samsung Theme stores. Remember to update your card limits to avoid declined transactions (you can use our banking app or visit a branch).

You should be able to use the same enrolled card in Samsung Pay to make a payment as long as the country you are visiting supports Samsung Pay. The use of Samsung Pay in each country is subject to the laws and regulations of the service territory and any other rules determined by the relevant merchant, payment processor, payment network, regulator, and government authority.

Before you travel or use your card for international online purchases, ensure that your personal details (such as your contact numbers, permits and address) are up to date on your Capitec Bank account. This information is compulsory for Balance of Payments reporting to SARB and your card may be suspended if the information is not available.

Samsung Pay is currently available in South Korea, United States, China, Spain, Australia, Singapore, Puerto Rico, Brazil, Russia, Canada, Thailand, Malaysia, India, Sweden, United Arab Emirates, United Kingdom, Switzerland, Chinese Taiwan, Hong Kong, Vietnam, Belarus, Mexico, Italy, France and South Africa.

This list is subject to change. Please visit the Samsung Pay website for the latest information.

Samsung Pay can be used almost anywhere. Samsung Pay uses propriety Magnetic Secure Transmission (MST) technology, which means that a merchant who does not have a contactless payment terminal can still accept Samsung Pay. Merchants can at their sole discretionary choose to accept or decline a Samsung Pay transaction.

1. Open the Samsung Pay app
2. Choose the card you want to pay with
3. Tap Pay
4. Authenticate the transaction with your biometrics or your Samsung Pay PIN
5. Tap your smartphone or watch on the card machine
6. Enter your PIN if prompted

There is no default card in Samsung Pay. When you open the Samsung Pay app or activate the favourite cards by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

In some cases, the merchant may ask you for the last 4 digits or random digits from the card number.

You will need to provide the last 4 or the random digits from the 16-digit card number displayed in Samsung Pay, instead of the last 4 or random digits of the physical plastic card.

You can view the last 10 transactions made with Samsung Pay in the past 30 days in the Samsung Pay app. Simply tap on a card in the app to see the Samsung Pay transactions made with that card*. Additionally, a real-time** push notifications with transaction details will be sent after each Samsung Pay purchase.

*Transaction information might not be provided for all cards
**Real-time push notifications require an active Internet connection.

No. Deleting your card on Samsung Pay only deletes your card from the Samsung Pay app. Your card will not be stopped.

Samsung Pay stores a digital versions of your physical card/s. You need to remove the old, lost or stolen card from Samsung Pay and register the new or replacement card.

The cashier will ask you to enter your PIN code in the payment terminal only when prompted to do so, this is based on the transaction value or payment technology that was used. This PIN will be the actual PIN of your plastic card.

Samsung Pay requires an active Internet connection for card registration and activation. Most cards will allow you to make up to 10 transactions before you will need to connect to the Internet and refresh the Samsung Pay information. It is recommended that your Samsung Galaxy device should connect to the Internet once per day to ensure that Samsung Pay stays up to date.

You can make 5 attempts to unlock the Samsung Pay app by authenticating with your fingerprint and/or iris. After 5 failed attempts Samsung Pay will no longer accept your fingerprint or iris for authentication. You will have 20 attempts to enter the correct PIN, thereafter all Samsung Pay data will be deleted and all linked cards will be deregistered.

The retry button appears when the countdown timer has reached its end and the device has not detected an NFC payment or has not received a notification of a successful payment. The “retry” button allows you to begin the payment process, one additional time, without reauthorising using your fingerprint, iris or PIN.

Note: When an NFC transaction is completed, the retry button will not be shown. Additionally, if a payment success notification is received, the retry button will not be shown.

1. Open the Samsung Pay app
2. Navigate to the Home tab and select Payment Cards
3. Tap Add Card
4. Payment cards can be added to Samsung Pay by either scanning your actual card, tapping your contactless card on the back of your Samsung Galaxy smartphone or entering the card information manually
5. Once the card is validated, agree to the terms of service
6. Verify your card when prompted by SMS
7. Enter your signature on-screen
8. A confirmation screen will indicate that the card was added

The average time between the completion of the application to activation should be within minutes, but can take up to 10 minutes if any additional verification requirements are needed.
If this amount of time has been exceeded, remove the card from Samsung Pay and add it again.

You can register up to 10 cards from supported banking partners.

Yes. The total number of devices you can add a card may vary depending on your bank. Please contact your bank for more details.

Samsung Pay requires an active Internet connection when adding a card. Check that you are connected to the Internet through a Wi-Fi network or your mobile data connection (for mobile data, data charges may apply). Alternatively, visit yur nearest Capitec branch or call our 24hr Client Care Centre on 0860 10 20 43.

No. Samsung Pay does not save your personal information in order to import cards.

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment data to card machines with NFC readers that have been activated for use.

Yes. You can choose the authentication methods that you wish to use in the settings menu. You can then use any of the selected methods to authenticate a transaction.

You can enter the Samsung Pay PIN you created as a backup option. Samsung Pay will remove the data from the app and deregister all linked cards, if the fingerprint is not recognised after 20 consecutive attempts and the Samsung Pay PIN has not been entered.

1. Open the Samsung Pay App
2. Select the menu in the upper left corner of the app (3 dots)
3. Tap Payment Cards
4. Tap on the card you wish to delete
5. Tap on the menu in the upper right corner of the app (3 dots)
6. Tap Delete Card
7. Choose a reason for deleting the card
8. Enter your PIN or use your fingerprint to verify
9. The card is now deleted from Samsung Pay

If you have an active Capitec app, check your in-app messages for the OTP.

1. Sign in on the Capitec app with your secret Remote App PIN or use fingerprint authentication
2. Tap Messages on the menu bar at the bottom
3. Tap Transactions to find the OTP message

If your OTP expired, delete your card on Samsung Pay and add it again from the start.

No. You must have an Internet or data connection to receive the OTP to activate your card.

Automatic Billing Updater

The Mastercard® Automatic Billing Updater or ABU is a Mastercard service. It securely sends your updated card details to participating merchants when your card number or expiry date (or both) changes. These merchants use these new details to update their card-on-file transactions and recurring payment information.

Card-on-file transactions are payments you make using a card number you’ve stored with a merchant and on websites where you’ve created an account and saved your card information.

Examples of this:

• Online retailers (Takealot, OneDayOnly etc.)
• Movies/music/eBook download services (Netflix, Apple, Google, Spotify, etc.)
• Transportation services (Uber, Bolt, etc.)
• Prescriptions

Recurring payments are regular daily, weekly, monthly, or yearly transactions where you authorise a merchant to automatically charge your credit or debit card for goods or services they offer. You or your card do not have to be physically present the time of the transactions.

An example of this would be monthly Netflix payments.

Your recurring payments for products and services with participating merchants won't be declined because your card payment details changed.

When you have a recurring payment with merchants, they save your card details, so you don't have to enter them every time you buy and pay for something.

To continue your recurring payments, you had to update your payment information with the merchant when you got a new card with a different card number or expiry date (or both).

Now ABU automatically sends your new card details to participating merchants so that your payments don't get rejected.

No. ABU is a free service for all Capitec clients with a Mastercard Credit or Debit card.

No. Only participating merchants use this service. Participating merchants sign up with Mastercard directly.

No. We will stop your card if you report it as lost or stolen. The recurring payments linked to that card will stop. Your recurring payments will restart once you get a new card and ABU sends your updated card details to participating merchants.

No. Mastercard ABU is a global programme offered to participating merchants. The list is long and growing daily as more merchants sign up for the service. As a result, an up-to-date list is not available.

Please contact the merchant to find out if they use the Mastercard ABU service.

Yes. ABU will only update your new card number and expiry date at participating merchants.

Yes. ABU will be available to Capitec Mastercard debit and credit cards.

Your card number or expiry date will change when you renew an old card or if you replace a card that was lost or stolen.

Mastercard requires the ABU service for all Capitec consumer credit and debit cards.

We automatically enrol all Capitec Mastercard debit and credit cards for the ABU service. You can't opt out of it. You must contact the merchant or service provider if you want to end a recurring payment or subscription service.

Replacing the card once ABU is live won't end a recurring payment or subscription.

  • You must contact the merchant or service provider if you want to end a recurring payment or subscription service.
  • You can also check the service provider's website if you want to cancel a service. Remember where you signed up for their service if it's not easy to cancel on their platform. You may be able to end the service using a different method. For example, if you subscribed to a premium service or application through the Google Play Store, you can manage the subscription through the Play Store instead.

Important to remember: Your subscription may not end if you uninstall the app.

You can call us at 0860 10 20 43 for more information about the ABU service.

Lift Airlines Promotion

The promotional campaign is a 10% discount on the base fare for Capitec clients on LIFT Airlines flight bookings.

A communication will be sent to Capitec clients who have opted in to receiving marketing communications from Capitec. The communication will consist of a promotional code to be used in order to generate the discount on the LIFT Airlines website: https://www.lift.co.za/en  

The promo code will be on the email that will be sent to Capitec clients.

Capitec clients need to book their trip and travel during the campaign period of 1 May – 30 June 2023 to qualify for the discount.

Enter the promo code on the LIFT Airlines landing page before selecting your travel dates then ensure you pay for your flight ticket with your Capitec card (debit or credit card).

No, only flights that are purchased from 1 May – 30 June 2023 will qualify for the discount.

Yes, the promo code is only valid for travel booked and paid for between 1 May – 30 June 2023.

The discount only applies to the flight fare (base fare) and not any optional extras.
LIFT Airlines currently only flies between Johannesburg, Cape Town and Durban.

Promo codes will only be sent through our marketing communications email channel to our clients who have opted in to receive marketing

For any benefit queries or questions, contact our 24hr Client Care Centre on 0860 10 20 43 or send an email to ClientCare@capitecbank.co.za.   

Lotto

1.1. How does the LOTTO/ LOTTO PLUS 1/LOTTO PLUS 2 Game work?

Twice a week, on and before Wednesday and Saturday draw days, participants may select 6 out of 52 numbers to enter into a draw before the draw closes.
 
A participant may enter the LOTTO, LOTTO PLUS 1 and/or LOTTO PLUS 2 in the following ways:  

  • ‘LOTTO’ is a game of chance in which a Participant must select 6 out of 52 numbers.
  • ‘LOTTO PLUS 1’ is an extension of the LOTTO game. When playing LOTTO PLUS 1, your LOTTO number selections made for a LOTTO draw are played again in an additional corresponding LOTTO PLUS 1 draw. It gives Participants a second chance to win in the LOTTO game at an additional cost. You cannot enter the ticket into the LOTTO PLUS 1 draw unless you have selected the LOTTO game.
  • ‘LOTTO PLUS 2’ is an extension of the Ithuba LOTTO game in which number selections made for a LOTTO draw are played again in an additional corresponding LOTTO PLUS 2 draw. It gives participants a third chance to win in the LOTTO game at an additional cost. You cannot enter the ticket into the LOTTO PLUS 2 draw unless you have selected the LOTTO game and entered the ticket into the LOTTO PLUS 1 draw.

LOTTO - FAQ (nationallottery.co.za)

1.2. How does the Powerball/ Powerball Plus Game work?

Twice a week, on Tuesday and Friday, participants may select 5 out of 50 numbers and 1 out of 20 numbers that can be entered into a draw.

A participant may enter the PowerBall and PowerBall Plus in the following ways:

  • ‘PowerBall’ is a game of chance. The PowerBall game has two grids. In the first or main grid, the player must select five numbers from a field of 50 numbers.
  • The player must select one of 20 numbers in the second or secondary grid. This is the PowerBall, which is a vital component of the game.
  • ‘PowerBall PLUS’ is an extension of the PowerBall game in which number selections made for a PowerBall draw are played in an additional corresponding PowerBall PLUS draw. It gives Participants a second chance to win the PowerBall game at an additional cost. You cannot enter the Ticket into the PowerBall PLUS draw unless you have played the PowerBall game.

PowerBall - FAQ (nationallottery.co.za)

1.3. How does the Daily LOTTO Game work?

  • Every day participants may select 5 out of 36 numbers that they can enter into a draw. Every day is a draw day.

  • Capitec will, on instruction from Ithuba, pay winnings of R249 999,99 (two hundred and forty-nine thousand nine hundred and ninety-nine rand) or less into the Capitec account used to purchase the Ithuba Tickets for the Ithuba Authorized Product(s) within 72 hours after the winners have been announced. If your winnings cannot be deposited into the Capitec account used to purchase the Ithuba Authorized Product(s), Capitec will attempt to contact you once by text message (“SMS”) to let you know that you will have to collect your winnings at any Ithuba regional office across the country.

  • If you win more than R250 000 (two hundred and fifty thousand rand), you will be required to collect your winnings from any of Ithuba’s regional offices across the country. Capitec will attempt to inform you that you need to contact Ithuba regarding your winnings from Ithuba’s offices.
  • The winner must collect winnings from any of Ithuba’s regional offices where such winnings are more than R250 000 (two hundred and fifty thousand rand). Winners must call the Ithuba helpline on 0800 484 822 to get the details of how to claim their prize and will need to complete a document to verify their identity.

  • Up to 365 days from when the draw was made.

  • Yes, you will receive a Money in Notification for all Winnings below R250 000, depending on what is defined by the customer profile as a SMS Money-IN limit. All verified winners from and above R250 000 will receive a notification with the relevant information to claim winnings.

  • The funds will be deposited within 72 hours after the results have been published by Ithuba into the same account you use to buy the ticket.

  • If you reinstall our app on a new phone the ticket will be displayed in the History tab. Client Care will be able to help with identifying winnings linked to the specific ticket via ECS and SBL.

  • Quick pick is generated by the Ithuba lottery system using randomised numbers.
  • Pick for Me is generated by the Capitec platform using randomised numbers.

  • Yes, if you have a valid passport and an active Capitec account.

  • Up to 365 days after the last valid draw date to claim any unpaid winnings.

  • Daily limit per game - R2000 
  • Monthly limit for all games combined - R24 000

  • Players must be 18 years and older.
  • Have an active Capitec personal account.

Note: You can’t purchase LOTTO tickets using any business banking account. 

  • Draw breaks happen after each draw per game from 21:00 till 06:00. This is when the results are calculated and published by Ithuba.
  • Capitec can only Sell tickets until 20:25 on all draw days and 23:55 on non-draw days.

It is a single line per ticket that consists of an array of selected numbers.

  • LOTTO

App: MaxBoards:10

*USSD: Own Number selection only will be limited to 3 Boards only. 

  • PowerBall

App: MaxBoards:10

*USSD: Own Number selection will be limited to 3 Boards only. 

  • DAILY LOTTO

App: MaxBoards:5

*USSD: Own Number selection will be limited to 3 Boards only. 

When the winning numbers are drawn by Ithuba as per game rules.

 Max 10 draws per ticket.

  1. Sign in
  2. Tap Transact
  3. Tap Play LOTTO
  4. Tap History
  5. Select My Tickets
    Upcoming Draws and Previous purchased tickets will be displayed
  6. Select individually to view and replays same boards/lines

 

App:

  1. Sign in
  2. Tap Transact
  3. Tap Play LOTTO
  4. Tap Options
  5. Select Results for games in demand
  6. View Results & Dividends
  7. Select for detailed Dividends

No. All winnings will be paid into the account used to buy the ticket from.

No. Please refer to Game rules as per Ithuba National Lottery | Home

Yes R1.50 transaction fee per ticket.

No, all tickets are non-refundable.

General

Our branch code (also known as a clearing code) for electronic transactions or Internet banking is 470010.

Our branches are conveniently located nationwide near main commuter routes and in shopping malls. Use our branch locator to find your nearest branch.

It may be because we recently updated our product references. For the latest references, see our documents library.

The National Credit Act (NCA) is a piece of legislation that came into effect on 1 June 2007 to guard against overindebtedness and unscrupulous lending. The NCA also regulates the way in which credit is marketed to protect you from abusive marketing practices. We’re a registered credit provider and all our credit products are NCA-compliant. Please remember this when approaching all credit providers.

The failure of both institutions came about as a result of a lack of confidence by corporate depositors who held large deposits with these banks. They withdrew their money, causing the institutions to experience a shortage of cash, which is used to repay depositors their money. The lack of confidence by corporate depositors was caused by concern that the banks were granting loans that they wouldn’t be able to recover.

We apply conservative credit policies to ensure that loans are collectible. We also apply very conservative cash management and cash supply management policies. We have a very large portion of long-term contracted funding from large institutions to ensure that our cash supply cannot be negatively influenced by short-term market sentiment. We've successfully and comfortably managed one local bank crisis in 2001 and the international bank crisis in 2008.

We do offer a credit card. Find out more about our credit card features, rates and fees on the credit card page.

Please visit our home loan page for information about home loans, or our vehicle finance page for information about car finance.

We have over 852* branches nationwide. They’re conveniently situated near main commuter routes and in malls.

We have more than 930 ATMs at our branches and more than 2 400 ATMs inside other businesses. Saswitch connectivity gives you further access to more than 12 000 additional ATMs nationwide. Remember that you pay a fixed fee at these other ATMs no matter how much you draw.

We also have agreements with selected retailers allowing you to draw cash at their tills for even less than it costs at an ATM! Alternatively, you can register for Remote Banking so you can manage your money anywhere, anytime with your cellphone or the Internet.

 

*Financial results for the year ended 28 February 2020

Live Better

Live Better is our way of rewarding our clients for spending at our partners or with our credit card.

All new clients automatically get Live Better. If you’re an existing client and don’t have Live Better yet, all you need to do is join Live Better on our app or at your nearest branch. You can also switch on your Save Better tools (Round-up and Interest Sweep) to super charge your savings. 

How to maximise your cash back:

  • Spend with your Capitec card at our partners
  • Do your monthly spending on your Capitec credit card

All cash back is paid into your Live Better savings account on the 10th of the following month, on Live Better day.

Credit card cash back rewards Capitec clients for using their credit card.

All credit card clients will receive 1% cash back on all credit card purchases for the month, which then gets paid on Live Better day, the 10th of the following month. The only condition is that your Capitec credit products need to be in good standing.

Register for Live Better on the app or in branch, and make sure all your Capitec credit products are in good health to qualify for credit card cash back. You will get 1% cash back on all credit card purchases.

To make the most of the cash back benefit, transfer your monthly spending money to your credit card and spend from there. All purchases linked to your credit card will qualify for cash back.

Make sure to:

Please remember that online purchases with Capitec Pay or instant EFT/payment-gateway purchases do not apply.

  • If you're an existing client, simply open our banking app and follow the prompts to activate Live Better. If you don't have our app yet, download it now and activate Live Better or visit a branch 
  • New clients can activate Live Better when opening a Global One account on our app or in-branch 

Debit card
You get cash back when you spend at our partners and pay with Capitec.

Credit card
Once you qualify for credit card cash back, you will get cash back on all your credit card purchases (spend anywhere!) made from the 1st to the last day of the month.

Credit card purchases include:

  • Purchases in-store or online
  • Scan to pay on our app
  • Apple Pay, Garmin Pay, Google Pay, Samsung Pay

Note: Instant EFT/payment gateway purchases do not apply. This includes online purchases made using PayShap, Capitec Pay, Ozow, Pay@ and PayFast.

All clients with an active Global One account qualify for Live Better.

There are no costs or fees involved in accessing rewards or participating in Live Better.

You will get upfront discounts by purchasing at our Live Better benefits partners. You can also choose to activate automatic savings tools like Round-up and Interest Sweep to fund your Live Better savings account based on your day-to-day transactions.

When you join Live Better you automatically get a Live Better savings account. All cash back and Live Better savings get paid into this savings account.

You cannot transfer money into the account – but you can transfer your cash back and savings out of the account whenever you need it.

Here’s what you can expect with a Live Better savings account:

  • No subscription or fees
  • No tiers
  • All Live Better savings and cash back get paid into your Live Better savings
  • Cash back will not expire
  • Your Live Better savings balance can be transferred out of your account whenever you need it

The account can only be funded with cash back and by switching on your Save Better tools

You will get upfront discounts by purchasing at our Spend Better partners. You can also choose to activate Save Better tools like Round-up and Interest Sweep to fund your Live Better savings based on your day-to-day transactions.

Round-up and Interest Sweep make saving for a rainy day easy and seamless. All you need to do is switch them ON to see your savings grow.

With Round-up you automatically save your change every time you spend, and with Interest Sweep you can save the interest you earn instead of spending it.

Learn more here.

You can switch your automatic savings On or Off whenever you want on the app or at a branch. You can also change your Round-up amount to suit your personal needs and preferences.

With Round-up, you use your small change to consistently grow your savings. Each purchase made from any of your selected Global One accounts can be rounded up to the nearest R2, R5 or R10. The difference is automatically calculated and added up daily, deducted from your main transactional savings account, then transferred into your Live Better savings once the transaction has cleared.

Example:

Round-up amount selected: Nearest R10

Purchase amount: R42

Round-up difference transferred from main transactional savings account: R8

The round-up value will reflect daily, once the transaction has cleared.

TAKE NOTE: If you switch on Round-up on your credit card account and make a credit card purchase, the round-up value will be calculated and transferred from your main transactional savings account and not your credit card account. Only the credit purchase amount will be deducted from the credit card account as per normal.

All card machine, scan to pay and online shopping transactions will be considered for Round-up.

The Round-up amount for each purchase is based on the option (R2, R5 or R10) you select.

Round-up is set to R2:

  • Any purchase amount of exactly R2, R4, R6, R10, R12, R20, etc. will result in R0 Round-up
  • Any purchase amount in between these values will result in a minimum of R0.01 to a maximum of R1.99 round-up per purchase
  • Example:
    • If you purchase for R52.50, the nearest R2 value is R54. (R54 - R52.50 = R1.50 round-up)
    • A purchase of R53.99 = R0.01 Round-up
    • A purchase of R53.00 = R1.00 Round up

Round-up is set to R5:

  • Any purchase amount of exactly R5, R10, R15, R20, etc. will result in R0 round-up
  • Any purchase amount between these values will result in a minimum of R0.01 and maximum of R4.99 round-up per purchase.
  • Example:
    • If you purchase for R56.00, the nearest R5 value is R60 (R60 - R56 = R4 round-up)
    • Purchase of R54.99 = R0.01 round-up

Round-up is set to R10:

  • Any purchase amount of exactly R10, R20, R30, R100, etc. will result in R0 round-up
  • Any purchase amount in between these values will result in a minimum of R0.01 and maximum of R9.99 round-up per purchase
  • Example:
    • If you purchase for R52.50, the nearest R10 value is R60 (R60 - R52.50 = R7.50)
    • Purchase of R59.99 = R0.01 round-up
    • Purchase of R55.00 = R5.00 round up

All card-based purchases qualify for Round-up. This includes card machine, scan to pay and online shopping purchases.

Round-up excludes:

  • ATM transactions
  • Cash backs at tills – the cash back amount will be excluded from the Round-up calculation
  • Debit orders
  • EFTs
  • Transactions using the app or *120*3279#

If there are not enough funds available in your main transactional savings account after the purchases for the day are cleared, the Round-up transaction will fail due to insufficient funds and it will not be reprocessed once more funds become available. Your main transactional savings account will therefore not be in a negative as a result of a Round-up transfer.

NOTE: Your Live Better savings can be left with a negative balance if there has been a cash back reversal due to you returning an item purchased from a Spend Better partner, and there was insufficient funds available in your Live Better savings at the time of the benefit reversal.

At the end of each month, any interest you already earned in your main transactional savings account will be transferred to your Live Better savings. If Interest Sweep is deactivated or you haven’t activated Live Better, the interest earned on your main transactional savings account will remain there as per normal.

You can get upfront discounts or cash back every time you spend at our partners.

Discounts are earned at the time of purchase as a reduction in price when you use your Capitec card or account to transact at a Spend Better partner. Read more about our current partner benefits.

No, you cannot deactivate participation at a specific partner.

There’s no need to jump through any hoops or build up points – you get savings simply for being a Capitec client who has activated Live Better.

Your Live Better savings is not a transactional account, which means that you cannot deduct outstanding loan repayments and debit orders from it. You can transfer your Live Better savings to your main transactional savings account, flexible and multiple deposit fixed term accounts at any time using the app, USSD (*120*3279#) or at your nearest branch.

We will notify you of any of the following on various communication channels, including our app and website:

  • New Spend Better partners
  • New ways to earn cash back and discounts
  • Terminations or changes to partnership agreements or offerings
  • Special rewards campaigns
  • Your benefits earned after a designated period

There will be no Money In/Money Out notifications for your Live Better savings, but you can view all your qualifying transactions on our app.

If you have queries or questions, call our 24hr Client Care Centre on 0860 10 20 43.

Live Better is part of the Global One offering. You will not be able to close your Live Better savings on its own, without closing your Global One account. Should you close your Global One account, your Live Better savings will also be closed as per the usual account closure procedures.

Any Live Better savings will be transferred to your main transactional savings account and any cash back or savings not paid into your Live Better savings will be forfeited.

No, your monthly income does not affect the cash back you get.

You get cash back on all debit and credit card purchases, regardless of where you spend. 

  • You get 1% (not 1.5%) cash back on your credit card purchases if you don’t reach your banking goals every month 

  Transactions that are excluded: 

  • ATM withdrawals and deposits 
  • *120*3279# purchases (buying airtime, data and electricity using USSD) 
  • Cash withdrawals at till points
  • Transfers between your own accounts 

 The below transactions are part of your banking goals and are also excluded: 

  • Prepaid purchases (buying airtime, data, electricity on our app) 
  • Debit orders  
  • EFT and beneficiary payments  
  • Payments (EFT, pay me, beneficiary and immediate payments) 
  • Send cash 

If any of your Capitec products are in arrears, you will not get cash back. To get cash back, your products need to be in good standing each month.

No, you will only get cash back if you reach your monthly banking goals and make card purchases using your debit or credit card.

No, you must activate Live Better before you can start accumulating cash back.

Your cash back is paid into your Live Better savings account on the 10th of every month, on Live Better day.

No, cash back will never expire. 

  1. Sign in on our app 
  2. Tap
  3. Tap Transfer money 
  4. Choose Live Better savings to transfer money from  
  5. Choose the account you're transferring money to 
  6. Enter the amount you want to transfer  
  7. Tap Transfer

To check your balance and our app and view your available balance in your Live Better savings:

  • Use our app
  • Dial *120*3279#
  • Send ‘Hello’ to our verified WhatsApp number on 067 418 9565

No, you can only accumulate cash back when you pay for purchases using your Capitec debit and/or credit card, or our app.

If you have queries or questions, call our 24hr Client Care Centre on 0860 10 20 43 or email ClientCare@capitecbank.co.za

Yes. – Please refer to our Live Better rules.

Exclusive Books

To get 10% cash back on your in-store or online Exclusive Books purchases, you will need to join for Live Better on our app and pay for your purchase with your Capitec card (debit, credit or virtual).

  • Existing clients with an active Global One account can follow the prompts on our app to accept the Live Better Agreement, or visit a branch to do this. Once you join Live Better, your Live Better savings will become active and you'll be eligible for rewards – this is the account where your cash back will be paid into every Live Better day on the 10th of the month
  • New clients can join Live Better when they open their Global One account on our app or at a branch

It cannot be used in conjunction with the Exclusive Books Fanatics rewards programme.

No, you must join Live Better and register for your Live Better savings before you can start accumulating cash back.

Cash back will be paid into your Live Better savings on the following Live Better day (the month after your purchase) as per the Live Better Agreement.

No, your cash back will never expire.

  • Open the Capitec app
  • Tap Transact
  • Tap Transfer money
  • Choose from Live Better Savings
  • Choose to Savings Account
  • Enter the amount to be transferred and a description, if needed
  • Tap Transfer

The amount you chose to transfer will then be available to spend in your main transactional savings account.

  • Open the Capitec app
  • Tap Live Better Savings
  • Tap Options in the top-right corner
  • Tap Account details and view all your Live Better savings info

No, you will only get cash back if you pay for your purchases with your Capitec card (debit, credit or virtual).

For any reward queries or questions, contact our 24hr Client Care Centre on 0860 10 20 43 or email ClientCare@capitecbank.co.za.

Google Pay

Google Pay is a convenient and simple way to make mobile payments. It’s a digital wallet that uses Near Field Communication (NFC) technology that allows you tap your compatible Android device on the card machine to pay in-store for purchases as opposed to tapping your physical card, or to pay for purchases in-app or online.

Note, retailers reserve the right to accept or decline contactless smartphone/watch payments.

Google Pay uses Near Field Communication (NFC) technologies to make contactless mobile payments.

Yes, if the retailer offers it as a payment option. Remember to update your card limits to avoid declined transactions (you can use our banking app or visit a branch).

You should be able to use the same enrolled card in Google Pay to make a payment as long as the country you are visiting supports Google Pay. The use of Google Pay in each country is subject to the laws and regulations of the service territory and any other rules determined by the relevant merchant, payment processor, payment network, regulator, and government authority.

Before you travel or use your card for international online purchases, ensure that your personal details (such as your contact numbers, permits and address) are up to date on your Capitec account. This information is compulsory for Balance of Payments reporting to SARB, and your card may be suspended if this information is not available.

Google Pay is currently available in South Korea, United States, China, Spain, Australia, Singapore, Puerto Rico, Brazil, Russia, Canada, Thailand, Malaysia, India, Sweden, United Arab Emirates, United Kingdom, Switzerland, Chinese Taiwan, Hong Kong, Vietnam, Belarus, Mexico, Italy, France and South Africa.

To make easy, fast and safe payments in-store using your smartphone or watch

  1. Unlock your compatible Android device
  2. Tap your smartphone or watch on the card machine

A confirmation screen will indicate that your payment was successful

Cancelling a payment made with Google Pay is the same as a physical card. To cancel a card payment call our 24hr Client Care Centre on 0860 10 20 43.

You can view the last 10 transactions made with Google Pay in the past 30 days in the Google Pay app. Simply tap on a card in the app to see the Google Pay transactions made with that card*.

You will also receive realtime** push notifications with transaction details after each Google Pay purchase.

*Transaction information might not be provided for all cards.
**Realtime push notifications require an active Internet connection.

No. Deleting your card on Google Pay only deletes your card from the Google Pay app. Your card will not be stopped.

Google Pay stores a digital version of your physical card/s.  In the near future this digital version will be replaced with a new one automatically but if not successful, you need to remove the old, lost or stolen card from Google Pay and register the new or replacement card.

The cashier will only ask you to enter your PIN on the card machine when prompted to do so; this is based on the transaction value or payment technology used. This PIN will be your physical card's PIN.

When paying with Google Pay, you will receive a merchant receipt for your purchases just as you would with a physical card.

All purchases made with Google Pay can be returned according to the merchant’s policies. If you return an item paid for with Google Pay, the merchant will require you to tap your Android smartphone onto either the magnetic card reader or the NFC reader on the card terminal to complete the return.

Google Pay requires an active internet connection for card registration and activation. Most cards will allow you to make up to 10 transactions before you need to connect to the Internet and refresh the Google Pay information. It is recommended that your Android smartphone should connect to the internet once a day to ensure that Google Pay stays up to date.

You have 20 consecutive attempts to enter the correct PIN, thereafter all Google Pay data will be deleted and all linked cards will be deregistered.

If you've forgotten your PIN, you can use your fingerprint or iris to unlock the Google Pay app. You have 5 consecutive attempts to unlock app using your biometrics to authenticate. After 5 failed attempts Google Pay will no longer accept your fingerprint or iris for authentication.

  1. Open the Google Wallet app and tap the + sign
  2. Enter your card and address details
  3. Read and agree to the terms of use
  4. Verify your card, and then follow the on-screen instructions
  5. You'll be asked to set up a screen lock, if you don't already have one
  6. A confirmation screen will indicate that the card was added

Note: Currently, you cannot add your virtual card to the Google Pay app. We're working on it and this functionality will be available in future.

Activation should be within minutes but can take up to 10 minutes if additional verification is required.

If a reasonable amount of time has passed and the card is not activated, remove it from Google Pay and add it again.

No. Google Pay does not save your personal information to import your card.

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Google Pay uses NFC to wirelessly transmit payment data to card machines with NFC readers that have been activated for use.

Yes. You can choose the authentication methods that you want to use in the settings menu. You can then use any of the selected methods to authenticate a transaction.

No. Google Pay requires an active internet/data connection to register and activate your card.

Capitec Connect

Once-off R10 SIM card fee. The fee is deducted from your main transactional savings account.

Yes. Our Capitec Connect SIM card is universal; it’s a SIM, micro-SIM and nano SIM all-in-one.

Yes. You can take up to 5 SIM cards. You’ll need to RICA each one.

You must RICA each SIM card by showing your original ID document to the service consultant in branch when opening your Global One account. This, together with your address that we have on record, will be used to RICA your SIM. Our service consultants are registered RICA agents.

Capitec Connect data, minutes, and SMSs (excluding promotional offers, such as 30-day bundles) don’t expire, provided that the SIM is active.

No. For Capitec Connect prepaid products (excluding promotional offers), the pricing is per unit. For example, if you buy 100MB you will pay the same rate per 1MB as you would for 500MB.

Note: Capitec Connect may have promotional offers or deals (e.g. 30-day bundles) available at special rates.

No, there are no out-of-bundle rates or charges – no matter how much or little you buy.

Note: If you buy a Capitec Connect promotional offer or deal (e.g. a 30-day bundle), the regular prepaid flat rate will apply when out of bundle.

Yes. 

Yes. You can only get a Capitec Connect SIM in-branch.

No. You can only get and activate a Capitec Connect SIM card in-branch. However, once you have a SIM, you can buy airtime, data, minutes and SMSs on our app or by dialling *120*3279#. And if you have no airtime, you can dial *130*3279# to top up.

You can use our app, dial *120*3279# or buy airtime at any participating Blue Approved merchant.

Yes. You can buy Capitec Connect airtime at participating Blu Approved merchants. The airtime can only be used to top up a Capitec Connect SIM and be converted to data, airtime or SMS as needed.

Use our app or dial *101# to check your balance or dial *147# for additional self-service options.

If you need more detail on your usage, call Capitec Connect Client Care on 135 for free from your Capitec Connect SIM.

Yes. You can keep your existing number from another network and make Capitec Connect your main number.

The National Porting Company was set up to facilitate the administrative process of porting phone numbers for all networks. You can start the port process in-branch when you get your Connect SIM or at any other time.  The port is activated overnight and your existing number will be available on your Capitec Connect SIM the day after initiating the port. Please check with your current service provider regarding ports for contract and corporate clients, and remember to convert any contracts to prepaid before you port.

Dial 135 for free from your Capitec Connect SIM to call Capitec Connect Client Care. Alternatively, dial 084 1135 from another network (standard rates apply).

Pay Bills

Pay Bills is a payment service that will simplify how you pay your bills. You can use our app or dial *120*3279# to get and pay bills that are supported by secure payment partners Pay@ and EasyPay.

Sign in on the app and:

  1. Tap Transact
  2. Tap Pay Bill
  3. Tap History


To see your history for the past year, choose Show More below the history list.

You will have to get in touch with your service provider directly if you need a refund. Always check the payment details carefully before you pay a bill. We unfortunately cannot process a refund if you've made a mistake when paying a bill.

You will have to get in touch with your service provider directly to enquire about your account information.

No, once you've made a payment, it cannot be cancelled or reversed. If you've made an incorrect payment or a mistake when paying a bill, you will have to get in touch with the service provider directly.

Your bill payment will reflect immediately as this is an instant payment when using your Pay@ or EasyPay reference number.

The due date will only be returned  if the service provider provides the payment due date  details.

Yes, you can pay multiple bills linked to one
service provider:

  1. Tap Pay Bills, and then select a service provider
  2. Add your Pay@ or EasyPay reference number
  3. Tap Manage
  4. Tap Add new account
  5. Enter your Pay@ or EasyPay reference number
  6. Tap Confirm
  7. Enter an account description and tap Save


Please note that this function is not available on *120*3279#.

Yes. If you've previously made a payment to a service provider:

  1. Tap Transact
  2. Tap Pay Bill
  3. Tap History and choose a transaction
  4. Tap Pay Again

Please note that this functionality excludes traffic fines, as these make use of once-off references numbers.

Please check that you've entered the correct reference number as it appears on the bill. Alternatively, you can contact the service provider directly for bill or reference number enquiries.

Yes. Dial *120*3279# on your cellphone and follow the prompts for Pay Bill.

There is a R1.50 fee for each Pay Bill transaction.

You don’t need to add a service provider as a beneficiary before using Pay Bill on the Capitec Bank app. You can search for your specific biller and pay any bill that displays the Pay@ or EasyPay logo by using the reference number on the bill.

Bill payment limits may apply, the service provider sets the maximum and minimum limits.

Remember to check your daily card limits on the app if you cannot complete a payment. To update your daily card limits:

  1. Tap Cards
  2. Choose Debit card
  3. Choose Update permanent limits or Set temporary limits
  4. Enter your preferred online/scan to pay/phone limit
  5. Tap Update

Yes, you can use your main savings account or a flexible savings plan to pay a bill. Please note you cannot use a fixed-term saving plan, your Live Better savings or credit card.

No, this functionality is not currently available using Pay Bill. However, you can use the Scan to pay functionality on our app to scan a compatible QR code displayed on a bill.

Yes, you can pay any bill by entering the Pay@ or EasyPay reference number.

Yes, if the service provider includes the past due amount for the bill.

This depends on whether or not the service provider allows payments in advance.

This depends on whether or not the service provider allows partial payments.

Enter the reference number that appears on your bill. If you still can't find the service provider, it may be possible that the service provider is not currently available on the Pay Bill feature.

Vouchers

A Capitec Top Up voucher is South Africa’s first single-use prepaid voucher that can be used to top up 5 Network providers namely, Capitec Connect, Cell C, MTN, Telkom Mobile and Vodacom prepaid networks. This means that topping up airtime for friends and family is that much simpler, you don’t need to know what network provider they use to send them airtime. Simply buy the voucher, send to recipient and it will work!

You can use our app or dial *120*3279# to buy a voucher.

On our app

  1. Tap Transact
  2. Tap Buy vouchers
  3. Choose a voucher
  4. Select ‘From’ account
  5. Choose or enter the voucher amount
  6. Enter the recipient’s cellphone number
  7. Enter the recipient’s name (optional)
  8. Tap Buy now

 Dial *120*3279#

  1. Choose Buy Vouchers
  2. Reply 1 for Capitec Flexi Voucher or reply 2 for Retail Vouchers
  3. Reply 1 for Buy Voucher
  4. Choose or enter the voucher amount
  5. Enter the recipient’s cellphone number
  6. Select ‘From’ account
  7. Enter your Mobile Banking PIN to confirm

There is a R1.50 fee for each voucher transaction.

You can use a voucher as soon as you receive the wiCode by SMS.

The voucher will automatically be sent by SMS to the cellphone number you enter when buying the voucher. Always check that the cellphone number you enter is correct.

To resend a voucher on our app:

  1. Tap Transact
  2. Tap Buy vouchers
  3. Tap History
  4. Tap Voucher details
  5. Tap Share wiCode
  6. Choose your preferred messaging app
  7. Choose a contact or enter the cellphone number
  8. Tap Send

You can’t resend a voucher bought using *120*3279#. You can, however, view a voucher’s latest wiCode and share that with someone:

  1. Dial *120*3279# and choose Buy Vouchers
  2. Reply 3 for Voucher History
  3. Reply with the voucher you want to view
  4. The voucher’s latest wiCode will display
  5. Share this wiCode with the person you originally sent the voucher to

Note: Only the latest 3 vouchers bought are available to view on *120*3279#. If the voucher is not one of the last 3 bought, call us on 0860 10 20 43 to get the voucher’s wiCode.

  • Retailer-specific voucher
    You can only use this voucher at the specified retailer
  • Flexi voucher
    You can use this voucher at any participating retailer

View the list of participating retailers here.

You can redeem a voucher until the balance is R0. After each transaction, you will receive an SMS with a new wiCode and the updated voucher balance.

The voucher is created instantly and is available to use as soon as the wiCode is shared. However, delivery of the SMS with the voucher wiCode is dependent on network service providers.

You will receive an SMS with the voucher’s details, including the balance. Every time you use the voucher, you will receive an SMS with a new wiCode and the updated voucher balance.

When you want to use a voucher to pay a bill or for items in-store, tell the cashier that you want to pay with a wiCode. The cashier will ask you for the wiCode you received, and the voucher’s amount will be deducted from the amount due. You must pay the difference if the voucher’s value is less than the amount due.

If someone buys a voucher and enters your cellphone number as the recipient, you will receive an SMS with the voucher wiCode and details.

The functionality to cancel a voucher is not currently available. Vouchers cannot be refunded or exchanged once you have bought it.

No.

A voucher will expire after 3 years from the time of purchase. 

R10 per voucher.

  • R3 000 per voucherwhen using our app
  • R1 000 per voucher when dialling *120*3279#

You can buy and send multiple vouchers; however, the following maximum daily or monthly limits apply: 

  • Daily app voucher limit: R5 000
  • Daily *120*3279# voucher limit: R1 000  
  • Monthly app and or *120*3279# voucher limit: R24 990

  • A voucher wiCode is the voucher reference that is SMSed to the recipient’s cellphone number
  • To redeem the voucher amount, this voucher wiCode must be given to the cashier at the participating retailer
  • If you don’t use the full voucher amount, you will receive a new SMS with a new voucher wiCode for the remaining balance
  • If the voucher wiCode is for a specific retailer, you can only spend it at that retailer

You can use this voucher at any participating retailer. View the list of participating retailers here.

Ask the sender to resend the voucher wiCode to you using the ‘Share’ option in their voucher history. Retry the newly received voucher wiCode, if the voucher is still not accepted, please call our 24hr Client Care Centre at 0860 10 20 43.

If you’ve sent a voucher wiCode, but would like to resend the voucher to a new cellphone number, you can use our app to do this:

  1. Tap Transact
  2. Tap Buy vouchers
  3. Tap History
  4. Tap Voucher details
  5. Tap Share voucher wiCode
  6. Choose your preferred messaging app
  7. Choose a contact or enter the cellphone number
  8. Tap Share

Note: If you resend the voucher to a new cellphone number and the voucher is only partially used, the updated voucher details and balance (sent by SMS) will automatically go to the original cellphone number entered when you bought the voucher. You will have to use the Share voucher wiCode function on our app to send the recipient the latest wiCode with the remaining voucher balance.

Unfortunately, no refunds are allowed. Please ensure that you enter the correct cellphone number for the intended recipient.

No, you won’t be able to view the voucher’s balance on USSD. However, you can use our app to resend a voucher wiCode the voucher’s details and balance will be resent to the recipient.

To resend a voucher on our app

  1. Tap Transact
  2. Tap Buy vouchers
  3. Tap History
  4. Tap Voucher details
  5. Tap Share wiCode
  6. Choose the messaging appyou would like to use
  7. Choose a recipient or enter a cellphone number
  8. Tap Send

The voucher must be redeemed before the expiry date. You will not get a refund if the voucher expires; any credit balance on the voucher will be forfeited.

Vouchers can only be sent to a South African cellphone number and cannot be redeemed internationally.

No. You can, however, send the recipient another (additional) voucher. Multiple vouchers can be used at once to pay for a purchase/s at a retailer.

Currently, you can only use your main savings account or a flexible savings plan to buy a voucher. We are working on it and this functionality will be available in future.

Use our app or dial *120*3279# to buy Blu Vouchers.

On our app

Tap Transact

  1. Tap Buy vouchers
  2. Choose Blu Voucher
  3. Select ‘From’ account
  4. Choose or enter a voucher amount
  5. Tap Buy now

Note: The voucher code will be displayed on the confirmation screen. It will also be stored under the History tab.

Dial *120*3279#

  1. Choose Buy
  2. Choose Vouchers
  3. Accept the terms and conditions
  4. Choose Online
  5. Reply with a voucher option
  6. Choose or enter a voucher amount
  7. Select ‘From’ account
  8. Enter your Mobile Banking PIN to confirm

Note: You will receive the 16-digit Blu Voucher PIN by SMS

There is a R1 fee for each voucher transaction.

You can use our app or dial *120*3279#.

Unfortunately, no refunds are allowed.

If you use our app to buy a Blu Voucher, the 16-digit PIN will be displayed on the confirmation screen. It can also be found under the History tab.

If you dial *120*3279# to buy a Blu Voucher, you will receive the 16-digit Blu Voucher PIN by SMS.

See a full list of Blu Voucher online partners here.

Use our app or dial *120*3279# to buy an OTT Voucher.

On our app

  1. Tap Transact
  2. Tap Buy vouchers
  3. Choose OTT Voucher
  4. Select ‘From’ account
  5. Choose a voucher amount
  6. Tap Buy now

Note: The voucher code will be displayed on the confirmation screen. It will also be stored under the History tab.

Dial *120*3279#

  1. Choose Buy
  2. Choose Vouchers
  3. Accept the terms and conditions
  4. Choose Online
  5. Reply with a voucher option
  6. Choose a voucher amount
  7. Select ‘From’ account
  8. Enter your Mobile Banking PIN to confirm

Note: You will receive the 12-digit OTT Voucher PIN by SMS.

There is a R1 fee for each voucher transaction.

You can use our app or dial *120*3279#.

Unfortunately, no refunds are allowed.

If you use our app to buy an OTT Voucher, the 12-digit PIN will be displayed on the confirmation screen. It can also be found under the History tab.

If you dial *120*3279# to buy an OTT Voucher, you will receive the 12-digit OTT Voucher PIN by SMS.

See a full list of OTT Voucher online partners here.

OTT Voucher is a single-use digital voucher that can be used to top-up an account on any OTT Voucher’s partners’ website or cellphone app.

Apple Pay

Apple Pay is a convenient and simple way to make payments using compatible iOS devices. It works at any retailer where you can tap-to-pay with an NFC-enabled device.

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Apple Pay uses NFC to wirelessly transmit payment data to card machines with NFC readers that have been activated for use.

Apple Pay uses Near Field Communication (NFC) technologies to make contactless mobile payments. This is the same as any tap-to-pay transaction.

You should be able to use the same card loaded in Apple Pay to make a payment if the country you visit supports Apple Pay. Using Apple Pay in each country is subject to the laws and regulations of the service territory and any other rules determined by the relevant merchant, payment processor, payment network, regulator, and government authority.

Before you travel or use your card for international online purchases, ensure that your personal details (such as your contact numbers, permits, and address) are up to date on your Capitec Bank account. This information is compulsory for Balance of Payments reporting to SARB. Your card may be suspended if the information is not available.

Apple Pay is currently available in South Korea, United States, China, Spain, Australia, Singapore, Puerto Rico, Brazil, Russia, Canada, Thailand, Malaysia, India, Sweden, United Arab Emirates, United Kingdom, Switzerland, Chinese Taiwan, Hong Kong, Vietnam, Belarus, Mexico, Italy, France and South .

View the latest list of countries here.

 

 

Paying in-store with iPhone – Touch ID:

  1. Double-tap the home button to show the Apple Pay Wallet
  2. Hold the top of your iPhone near the contactless reader with your finger on Touch ID
  3. When your phone has sent the payment information, the terminal will give a visual or audible confirmation
  4. Your phone will gently vibrate and beep
  5. You’ll see ‘Done’ and a tick on your iPhone display


Paying in-store with iPhone – Face ID (or your passcode):

  1. Double-click the side button of your iPhone
  2. You’ll see your default card and the Face ID icon
  3. After authentication, you’ll see the message ‘Hold Near Reader’
  4. Hold the top of your iPhone near the contactless reader
  5. When your phone has sent the payment information, the terminal will give a visual or audible confirmation
  6. Your phone will gently vibrate and beep
  7. You’ll see ‘Done’ and a tick on your iPhone display

 

Paying in-store with Apple Watch:

  1. Double-click the side button, then touch the face of your watch to the contactless reader
  2. When your phone has sent the payment information, the card reader will give a visual or audible confirmation

You’ll feel a gentle tap on your wrist and hear a beep from your Apple Watch

Cancelling a payment made with Apple Pay is the same as a physical card. The process will depend on the policies of the merchant.

You can view your last 10 Apple Pay transactions in the past 30 days in the Apple Pay app. Simply tap on a card in the app to see the Apple Pay transactions made with that card*. Additionally, real-time** push notifications with transaction details will be sent after each Apple Pay purchase.

*Transaction information might not be provided for all cards
**Real-time push notifications need an active Internet connection

No. Removing your card from Apple Pay won't stop your card. It only deletes your card information from the Apple Pay app.

Apple Pay stores a digital version (token) of your physical card/s. This digital version (token) will be linked to your new card the next day but if not successful, you can remove the old card from Apple pay and simply add the new card.

No, you will verify yourself on your iOS device using your fingerprint, Face ID or passcode (depending on your device model and preferences).

Yes, you will get a merchant receipt for your purchases when paying with Apple Pay.

All Apple Pay purchases can be returned according to the merchant’s policies. If you return an item paid for with Apple Pay, the merchant will require you to tap your iOS device onto either the magnetic card reader or the NFC reader on the card terminal to complete the return.

iPhone or iPad

  • Go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then scroll down and tap Remove This Card
  • Or open Apple Wallet app, tap a card, tap the three dots, then scroll down and tap Remove This Card

Apple Watch

  • On your iPhone, open the Apple Watch app, and go to the My Watch tab
  • Scroll down, tap Wallet & Apple Pay, tap the card, then scroll down and tap Remove This Card

Or tap Wallet on the Home screen of your Apple Watch, tap a card, press it firmly, and tap Remove Card

No, you don't need data to make up to 10 contactless Apple Pay payments. However, you will need to connect to the Internet after 10 payments. You should connect your iOS smartphone to the Internet at least once daily to refresh your Apple Pay information.

You can try to unlock the Apple Pay app 5 times with your fingerprint and/or iris. After 5 failed attempts, Apple Pay won't accept your fingerprint or iris for authentication. You will still have 20 attempts to enter the correct PIN. After 20 attempts, all your Apple Pay data will be deleted, and all linked cards will be deregistered.

  1. Open the Wallet app
  2. Tap on Add
  3. Tap on Credit Card/
  4. Select Continue
  5. Follow the on-screen instructions

  1. Open the Wallet app on your device
  2. Navigate to Settings
  3. If you are using a Mac model with Touch ID, go to System Preferences
  4. If you are using an iPad, go to Settings
  5. Navigate to Wallet & Apple Pay
  6. Select Add Card
  7. Follow the on-screen instructions