If you don't feel like chatting, browse our FAQs below.
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.
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.
As an alternative to large amounts of cash, you can use the following options:
For large amounts of cash, you have the following options:
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:
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
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:
We offer the following services to individual clients only (business clients are specifically excluded):
Capitec Bank's SWIFT code is CABLZAJJ. Find out more about receiving international payments to your Capitec Bank account.
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.
To ensure your safety and protect you from potential scams, you cannot use your Account on betting and gambling websites.
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:
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:
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:
You may be using a version of the app that’s outdated
Remember our perfect selfie tips:
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.
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.
Android
iOS/Huawei EMUI10
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
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:
New credit card delivery is R100
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:
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:
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.
To apply for a credit card and have it delivered, you have to:
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.
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:
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:
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 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:
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:
Yes, the same rules apply as with the debit card.
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.
Want to create a new virtual card? Simply tap New Virtual Card.
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 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.
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:
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:
Immediately contact our 24hr Client Care Centre on 0860 10 20 43 or visit your nearest Capitec branch.
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.
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:
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:
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.
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:
USSD (*120*3279#):
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.
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 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 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:
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.
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:
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:
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:
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:
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:
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.
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.
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:
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:
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:
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:
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:
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 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.
The please pay me link lets 2 Capitec clients who are not together in the same place make and receive payments by sharing the Pay me QR link using the messaging apps on their phones.
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.
Yes, if it comes from a verified source such as Capitec Bank. We have developed several Please pay me security features.
The sender's QR image is displayed so that the receiver can scan this using the Capitec Scan to Pay feature on our app.
The secure link should always have the following structure:
https://pay.capitecbank.co.za
Note: If you receive a link from someone you don't know or who is not in your phone contacts, be safe and don't click the link even if it looks legitimate. You can contact us if you're not sure.
If the link does not contain https://pay.capitecbank.co.za then it is not from Capitec.
You can contact Client Care on 0860 00 20 43
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.
You can share the link using your phone's messaging apps. When you click the link, your phone will display all the messaging apps for you to choose one.
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
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):
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:
Email these documents to Info@capitechomeloans.co.za after submitting your application:
Permanently employed (for both applicants, if applicable)
Self-employed (for both applicants, if applicable)
To increase your chances of approval ensure that you:
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 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
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.
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:
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 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:
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.
To get 1% 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). Capitec clients get an additional 1% cash back when using their credit card at Dis-chem.
Activate using any one of these methods:
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 1% cash back on selected items. Capitec clients get an additional 1% cash back when using their credit card at Dis-chem.
In-store cash back excludes:
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.
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 1% back. Capitec clients get an additional 1% cash back when using their credit card at Dis-chem.
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.
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:
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:
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.
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 :
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.
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.
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.
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.
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.
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.
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.
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 - 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 - FAQ (nationallottery.co.za)
1.3. How does the Daily LOTTO Game work?
Note: You can’t purchase LOTTO tickets using any business banking account.
It is a single line per ticket that consists of an array of selected numbers.
App: MaxBoards:10
*USSD: Own Number selection only will be limited to 3 Boards only.
App: MaxBoards:10
*USSD: Own Number selection will be limited to 3 Boards only.
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.
App:
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 R2.00 transaction fee per ticket.
No, all tickets are non-refundable.
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 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:
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.
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:
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:
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:
Round-up is set to R5:
Round-up is set to R10:
All card-based purchases qualify for Round-up. This includes card machine, scan to pay and online shopping purchases.
Round-up excludes:
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:
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.
Transactions that are excluded:
The below transactions are part of your banking goals and are also excluded:
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.
To check your balance and our app and view your available balance in your Live Better savings:
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.
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).
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.
The amount you chose to transfer will then be available to spend in your main transactional savings account.
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 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
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.
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.
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.
When your bundles run out, our affordable non-expiry rates apply. Make sure you have airtime loaded to stay connected—Capitec Connect airtime automatically covers data, voice, and SMS.
Below are the rates per mb/min for all bundles:
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 Blu Approved merchant or Kazang Spaza shop.
Yes, you can buy Capitec Connect airtime at participating Blu Approved merchants or Kazang Spaza shops. 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.
WhatsApp Bundles can be used for WhatsApp messaging only.
WhatsApp Video and Voice Calls will deplete from your standard data allocation.
The Streaming Data Bundles can be used for Streaming video content on various platforms such as Showmax, Netflix, DSTV and Amazon Prime.
You will need to subscribe at your own cost to the various streaming platforms.
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 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:
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:
Please note that this function is not available on *120*3279#.
Yes. If you've previously made a payment to a service provider:
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 R2.00 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:
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.
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
Dial *120*3279#
There is a R2.00 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:
You can’t resend a voucher bought using *120*3279#. You can, however, view a voucher’s latest wiCode and share that with someone:
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.
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.
You can buy and send multiple vouchers; however, the following maximum daily or monthly limits apply:
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:
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
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
Note: The voucher code will be displayed on the confirmation screen. It will also be stored under the History tab.
Dial *120*3279#
Note: You will receive the 16-digit Blu Voucher PIN by SMS
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
Note: The voucher code will be displayed on the confirmation screen. It will also be stored under the History tab.
Dial *120*3279#
Note: You will receive the 12-digit OTT Voucher PIN by SMS.
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 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 can no longer manually add your card to Apple Pay on your iPhone.
Add your card to Apple Pay in our app:
Need help? WhatsApp us at 067 418 9565
Once added, the button in your Cards tab will show Available in Apple Wallet.
Your card should be active immediately after successfully adding it to Apple Pay in our app.
To protect you from fraud, we've disabled manual card enrolments for Apple Pay. You can add your card directly to Apple Pay in our app.
Apple Pay stores a digital version (token) of your physical card/s. This digital version (token) will be linked to your new card and will be available immediately. If unsuccessful, you can remove the card and add it to Apple Pay again in our app.
If your card is stopped due to fraud, you'll need to replace your card at a Capitec Branch.
This functionality is currently disabled, and is currently unavailable.
Add an Apple Pay Card on Your Apple Watch
Add an Apple Pay Card on Your Apple Watch from iPhone
If you prefer to use the Apple Watch app on the iPhone linked to your watch, you can follow the instructions below
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:
Paying in-store with iPhone – Face ID (or your passcode):
Paying in-store with Apple Watch:
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.
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
Apple Watch
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.
Yes, you can load more than one Capitec card. To set a default card for payment:
You will receive a notification confirming your new default card setting.
To change your default card:
1. Go to Settings > Passbook & Apple Pay
2. Tap Default Card
3. Choose a new card
No. Apple Pay does not save your personal information to import your card.
Your options will be limited based on what your phone will allow. You can choose from the authentication methods available in the settings menu. You can then use any of the selected methods to authenticate a transaction.
No. You must have an Internet/data connection to receive the OTP to activate your card.
iPhone 6 or 6+ and later models including the iPhone SE.
Apple's Find My iPhone website lets you suspend Apple Pay payments, or you can contact us to suspend Apple Pay for your card.
Remember that without your thumbprint or face ID, a thief should not be able to use your phone to make purchases.
No need to call our call centre or visit the branch, you can now switch on WhatsApp, here’s how:
Yes, it is 100% safe. At Capitec, your security is our priority. To ensure your safety, only start a conversation with us on our verified WhatsApp number and remember to look for the 'verified tick' icon. All messages are end-to-end encrypted, and we will never ask you for your Remote Banking PIN.
Important: Please only chat with a verified Capitec number on WhatsApp. Our Capitec WhatsApp channel is verified with a green tick icon next to the contact name.
Existing Capitec clients
If you're already a Capitec client with a verified cell phone number linked to your account, you will automatically be authenticated when you WhatsApp us from that number. Once you start a conversation with us, you will receive a personalised menu on WhatsApp with additional banking functionality.
Non-Capitec clients/clients without verified cell phone numbers
If you’re not a Capitec client, or your WhatsApp number is not the same as the number linked to your Capitec account, we won't be able to authenticate you. You will therefore receive a non-personalised menu on WhatsApp with limited functionality.
If you are a client and receive a non-personalised menu on WhatsApp but would like to use WhatsApp for banking, please visit a branch to update your verified cell phone number.
You will need a bank statement from your current bank that clearly shows your debit orders. The statement must not be older than 3 months.
Please note: Moving your debit orders will take a few days to complete, so please ensure that you have enough funds in your old account for any debit orders that couldn’t be moved in time.
You will need a letter with the details of your Capitec account to move your salary. This proof of account needs to be submitted to your employer or HR department so your salary can be paid into your Capitec account.
Get your proof of account on our app
Yes, you will need data to send and receive messages on WhatsApp.
Monday – Friday: 6am – 10pm
Saturday and Sunday: 8am – 5pm
Public holidays: 8am – 5pm
View our fees here
Click here for further information on Banking Better
When you log your request with us, via WhatsApp or Branch, you will be able to track your progress from your App home page.
Conversational banking is a new digital banking service we're offering our clients. It enables you to bank anytime, anywhere using a verified Capitec channel of your choice like WhatsApp, Facebook, Instagram and Twitter.
It's as simple as typing, Hello to start a conversation with us on our verified WhatsApp number (+27 67 418 9565), Facebook, Instagram or Twitter.
It's free to use, you pay zero bank fees.
Yes, it is 100% safe. At Capitec, your security is our priority. To ensure your safety, only start a conversation with us on our verified WhatsApp or social media channels and remember to look for the 'verified tick' icon. All messages are end-to-end encrypted and we will never ask you for your Remote Banking PIN.
Important: Please only engage with verified Capitec channels on WhatsApp and social media. Our Capitec WhatsApp channel is verified with a green tick icon next to the contact name, and our social media channels are verified with a blue tick icon next to the profile name.
Existing Capitec clients
If you're already a Capitec client with a verified cellphone number linked to your account, you will automatically be authenticated when you WhatsApp us from that number. Once you start a conversation with us, you will receive a personalised menu on WhatsApp with additional banking functionality.
Non-Capitec clients/clients without verified cellphone numbers
If you're not a Capitec client, or your WhatsApp number is not the same as the number linked to your Capitec account, we won't be able to authenticate you. You will therefore receive a non-personalised menu on WhatsApp with limited functionality.
If you are a client and receive a non-personalised menu on WhatsApp, but would like to use conversational banking, please visit a branch to update your verified cellphone number.
You can:
If at any point you need to speak to an agent, you'll be able to do so during the hours mentioned below:
Monday – Friday: 6am – 10pm
Saturday, Sunday, and public holidays: 8am – 5pm
Social media
Monday – Friday: 6am – 10pm
Saturday, Sunday and public holidays: 8am – 5pm
Current conversational banking functionality doesn't allow you to send or receive money from/into your Capitec account. Additional functionality will become available on our conversational banking channels soon.
No, they will not be able to access your account, because the current conversational banking functionality does not allow you to send and/or receive money from/into your Capitec account.
If you change your number and don't update the verified cellphone number linked to your account, you will not have access to the personalised conversational banking menu on WhatsApp. You will instead, receive a non-personalised menu with limited functionality. To update your verified cellphone number, visit your nearest branch.
Note: Changing your cellphone number will not impact conversational banking functionality when you engage with us on our verified social media channels.
You don't have to provide any specific information to access conversational banking. It's as simple as typing, Hello and starting a conversation with us on our verified WhatsApp number (+27 67 418 9565), Facebook, Instagram or Twitter.
You can use conversational banking as often as you need, and at any time.
If at any point you need to speak to an agent, you'll be able to do so during the hours mentioned below:
Monday – Friday: 6am – 10pm
Saturday, Sunday and public holidays : 8am – 5pm
Social media
Monday – Friday: 6am – 10pm
Saturday, Sunday and public holidays: 8am – 5pm
You will need data to access the digital platforms conversational banking is available on – i.e. you will need data to send and receive messages on WhatsApp, Facebook, Instagram and Twitter.
For any conversational banking queries or questions, contact us on any of our conversational banking channels: WhatsApp, Facebook, Instagram and Twitter.
It’s a small, handheld mobile point of sale (MPOS) device that’s used together with the Capitec Merchant app on a merchant’s smart phone or tablet. The Mini enables merchants of all sizes, from door-to-door salespeople to large retailers, to accept payments anywhere, anytime. A merchant’s customers can tap, insert, swipe, use digital wallets such as Apple Pay and Samsung Pay, and even scan to pay.
MPOS is an abbreviation for mobile point of sale. An MPOS device is a card reader that allows merchants to easily accept card payments by using their smart phones. The Capitec Mini is an MPOS device.
A merchant’s customers can tap, insert or swipe their cards.
No, Diners Club and American Express cards are not accepted. Customers can only pay with a Mastercard or Visa card.
A QR code can quickly be generated on the Capitec Merchant app so that customers are able to scan to pay with their phoned.
To use scan to pay:
It’s paid into the merchant’s account the following morning.
A low commission is deducted before the money is paid into the merchant’s account. If you have a merchant loan, there will also be a percentage deducted before pay-out.
Yes, in real-time. The transactions will reflect on the merchant’s transaction history list on the Capitec Merchant app.
To see the transaction history:
Alternatively, you can log in on the Merchant portal to check a transaction’s status.
Yes. If you don’t have a Capitec Merchant number, download the Capitec Merchant app from your device’s app store. Open the app and tap: I’m interested. Capitec’s Merchant team will be in touch with you shortly.
No, Capitec will not charge the merchant any installation or activation fees.
Yes, the primary user can give additional users their own access to the Capitec Merchant app to do payment transactions for customers on the Mini. These additional users have access to all functionality except limit settings.
For example, the owner used the merchant app on his smart phone with the Mini to accept payments. The owner then leaves the store and disconnects. The manager can then continue to trade from his phone by accessing our merchant app and pairing his phone with the Mini with his own credentials.
No, only one user will be able to pair their phone with the Mini at a time to do payment transactions.
Yes, it can be linked to more than one smart phone or tablet if the Capitec Merchant app has been downloaded onto the device. Just log in and pair the Mini with the new device, as you did with your other device.
The merchant has 5 business days after the Merchant Services Acquiring Agreement has been signed, or 5 business days after the installation of the Mini was done, to return the device. This is called the cooling-off period.
The cooling-off period only applies when Capitec has performed direct marketing to the merchant. It means the merchant was approached directly in person, through email or telephonically to buy the Mini. So, if the merchant contacted Capitec to ask for the Mini, the cooling-off period doesn’t apply.
The merchant can contact Merchant Support on 0860 66 77 06 or submit an email to merchantsupport@capitecbank.co.za for information and assistance with returns.
Our Merchant Support team is available 7 days a week. Contact us on 0860 66 77 06 or send an email to merchantsupport@capitecbank.co.za for assistance.
Capitec Pay is an easy, fast and safe way to make online payments without entering your card details or sharing sensitive banking login information. Simply use your phone number, ID number or account number to verify your payment.
Capitec Pay is not a tap-to-pay solution and does not store your card details on your device. It is a proprietary technology that allows payment providers and their merchants to request payments from Capitec clients. When you choose Capitec Pay as your payment method, you simply approve the payment on our app – without sharing your bank card details or banking login information.
We are continuously adding more payment providers. View the list of providers here.
Using Capitec Pay is easy, fast and safe. There is no need to share your card details or banking login information with a third party. All you need is your cellphone number, ID number or account number and approve the payment on our app.
Low R1 fee per transaction.
No, Capitec Pay uses EFT as a payment type. However, unlike using EFT as your payment method at checkout, you don't need to enter your bank card details or banking login information to approve your payment. You approve the payment through the safety of our app.
You must be a Capitec client and use our banking app to use Capitec Pay as payments are authorised on the app.
Yes. To dispute a puchase made using Capitec Pay, you can get in touch with the merchant directly. If a dispute is unresolved after contacting the merchant, you may call our 24hr Client Care Centre on 0860 10 20 43.
Yes. You can use our app to choose your default account linked to Capitec Pay, manage merchants where you can use Capitec Pay and turn Capitec Pay on or off as a payment method.
To manage your preferances on our app:
Your main savings account is automatically set as your default account linked to Capitec Pay. However, you can choose which of your flexible savings accounts to pay from while you're making your payment.
You can use our app to change your default account at any time:
1. Tap Transact
2. Choose Transact
3. Tap Manage Permissions
Yes. You can change your default account linked to Capitec Pay at any time. On our app:
Yes. You can choose which of your flexible savings accounts to pay from while you're making your payment.
Even though your main savings account is your default account linked to Capitec Pay, you can choose which of your flexible savings accounts to pay from while you're making your payment.
You can sign in on our app and manually approve your Capitec Pay transaction by following these steps:
Note: If your transaction does not appear as pending authorisation, then you will have to repeat the checkout process.
If you receive a payment request for a transaction you don't recognise do not continue with the transaction. Tap Decline and give a reason for declining the transasction.
To report a transaction as fraud, do the following on our app:
Note: If you see a transaction in your transaction history/bank statment that you do not recognise, contact us immediately. Call our 24hr Client Care Centre on 0860 10 20 43. Not in SA? Call us on +27 21 941 1377.
If you are a victim of a scam or suspect fraud involving your bank account, immediately:
We can help faciliate a possible resolution between you and a merchant/online retailer/service provider through our relationships with our listed payment providers. Call our 24hr Client Care Centre on 0860 10 20 43. However, we can't guarantee a preferred outcome.
We may be able to help resolve a dispute between you and a merchant/online retailer/service provide if they have acted outside their publicised T&Cs.
It can take up to 8 business days.
Capitec Pay is the first seamless open payment initiation API in market. It is based on open banking principles in accordance with the PSD2 standards, a European regulation for electronic payment services.The API enables third-party providers to securely initiate payment requests from Capitec clients while allowing them to choose the account they want to pay from and authenticate the payment safely through our banking app.
Capitec Pay is not a tap-to-pay solution and does not store card details on the client's device. It is a proprietary technology that allows payment providers and their merchants to request payments from Capitec clients. When they choose Capitec Pay as their payment method, they simply approve the payment on our app – without sharing their bank card details or banking login information.
Capitec Pay is more cost-effective than card payments. Our commission fees start at 0.7% of the transaction amount and can get as low as 0.55% based your monthly total transaction values. For transactions over R1 000, the commission fee is capped starting at R7 and goes as low as R5.50.
Our payment providers must be an existing TPPP/SO with a reliable track record backed by a PASA certification.
Once you have signed up, the technical onboarding process can take 2 – 4 weeks. This does not include the opening of a Capitec business account. The sooner we get all the required information and documents, the faster we can prioritise your integration.
The initial merchant nomination process can take up to 22 business days to complete. Ad hoc merchants can take up to 12 business days to activate with Capitec Pay.
If you will receive funds held on behalf of a third party, we are required to certify you as a TPPP with PASA.
A bank account used for the aggregation of third-party funds must be supported with a TPPP sponsorship by the respective bank.
No. However settling into a Capitec business account introduces commercial benefits to the payment provider. For more information on our business banking account, click here.
Settling into a Capitec business account introduces commercial benefits to the payment provider. For more information on our business banking account, click here.
Our clients are advised to deal directly with the merchant. In the event that a client is not able to resolve a dispute directly with a merchant, they may escalate the dispute to us. We will liaise with the TPPP to assist with resolving the issue.
To initiate a refund for a Capitec Pay transaction, we offer a refund enabling service. This provides merchants with an account confirmation letter for the client's respective account.
If a client reports a transaction as fraud, our Fraud Engagement team will immediately notify the respective TPPP of the suspicious transaction. The TPPP will be required to promptly engage with the underlying merchant to assist with the prevention of any further possible loss. We also require the TPPP to assist our Fraud Engagement team in the investigation according to an agreed process and SLA. To avoid any further possible loss to either party, we will place the value of the reported transaction on hold, in the nominated bank account held in the name of the TPPP/merchant, for the duration of the investigation.
Credit insurance helps pay off your debt in the unfortunate event that you die, become disabled, are unable to earn an income (other than due to disability) or become unemployed.
Our credit insurance covers you in the event of death, permanent or temporary disability, unemployment or the inability to earn an income (other than due to disability). However, these benefits may depend on your employment status.
According to the National Credit Act (NCA), credit providers can insist that you have credit insurance for any credit agreement you have with them. With Capitec, credit insurance may be compulsory depending on your individual risk profile and your credit product.
While we offer this insurance (underwritten by Capitec Life), you can provide us with an alternate policy of your choice, as long as it meets our minimum requirements.
The minimum requirements for an alternate credit insurance policy are:
Cover starts on the day you sign your Capitec credit insurance policy. Please note, however, that there is a 3-month waiting period for the benefit that covers unemployment or inability to earn an income other than as a result of disability.
Your policy will terminate.
You can cancel within 31 days of taking up your policy and we will refund your premiums subject to conditions. However, do note question 3 and 4 above with regards to your Credit Agreement requiring that you have credit insurance, and your right to provide an alternate policy.
On loans your Capitec credit insurance premium is charged monthly at a Rand amount per every R 1000 of the outstanding balance.
On credit cards and access facilities, your Capitec credit insurance premium is charged monthly at a Rand amount per every R 1000 of your average utilisation of your credit limit.
The Capitec credit insurance premium will be included in your credit repayments.
Credit insurance is paid out once the claim is approved, subject to any assessment periods. The proceeds of the claim will be paid directly into the credit account covered by the policy to settle the outstanding balance or instalments that you still owe.
A valid death or unemployment claim will be paid out within 30 days of approval.
For permanent disability, the full outstanding amount will be paid after an assessment period of 6 months from the date of disability. For temporary disability, up to 12 months’ instalments will be paid after an assessment period of 3 months from the date of disability.
When you claim for unemployment or inability to earn an income, your credit insurance pays the premiums for a set period. Capitec has the right to monitor your accounts or other behaviour to determine if you are re-employed or earning an income. If you are re-employed or earning an income, the unemployment or inability to earn an income benefit will end, and you will be liable for instalments on your credit product again.
Capitec must be notified within 12 months of the date of the event, in one of the following ways:
After your claim has been assessed, we will contact you with the outcome. It is your responsibility to ensure that we have your correct personal and contact details.
If you lose your job or are unable to earn an income (other than as a result of a disability), no benefit will be payable if such unemployment or inability to earn an income is as a result of:
If you die or become disabled, no benefit will be payable if such death or disability is as a result of:
Our credit insurance is underwritten by Capitec Life Limited (Capitec Life), a licensed life insurer. Reg. No.: 2021/924456/06.
There is no cancellation or reversal process with PayShap. You will need to contact the person who you paid incorrectly, to request a refund.
Both the person sending and receiving the money must have a bank account that is PayShap enabled.
You’ll use their registered Shap Name – a specific type of ShapID for business account holders.
Payments are made in realtime and will typically reflect within 10 seconds.
Each PayShap user will receive a unique ShapID that is linked to the cellphone number registered with their particular bank.
Before a PayShap payment is finalised, the system will check that the ShapID is registered. If not, you will not be able to proceed with the payment. An error message will then appear on screen stating that the payment has failed.
Yes, this will be linked to the bank where you provided your cellphone number for PayShap payments. If you want to receive all PayShap payments to your Capitec account, you must set Capitec as your main bank.
The payment will be made to the bank account which you have set as your main bank.
There is a one-to-one link between a cellphone number and a bank for a primary ShapID. You can register a different number with each bank as long as you have one registered cellphone number per bank account.
Contact the person who sent you the money and ask them to check their bank account to confirm whether the amount was paid from their account. Also ask them to check that they have entered your details correctly. If these things have been done and you are still having issues, ask them to contact their bank.
Check your bank account to confirm that the amount was taken from your account. If it was, check whether you‘ve entered the correct details and that your internet connection is stable. If all of the above checks out and you are still having issues, contact your bank.
Your ShapID is a unique number that can be used to receive PayShap payments. At Capitec, it is made up of your cellphonenumber@capitecbank.
No. You can use our app or dial *120*3279# to make a PayShap payment.
Yes.
A maximum of R3 000.
Yes, you can transfer a maximum of R5 000 daily.
You can see all PayShap payments you’ve made or received on our app. Simply tap PayShap, and then Payments History.
Yes, all PayShap payments are processed by South African banks that are regulated by the Payments Association of South Africa (PASA) and the South African Reserve Bank (SARB). It is also administrated by BankservAfrica. All payments processed on our app require your Remote PIN for added safety.
When updating your Capitec account details, the system will automatically update your ShapID and new cellphone number.
If your cellphone number stays the same there will be no impact.
Contact your bank immediately to block your account.
If your cellphone number stays the same there will be no impact.
Download the Garmin Connect app from your phone’s app store. Then, go to Garmin Devices, choose your watch and follow the on-screen prompts to add your card. You can use your debit, credit or virtual card to make payments with Garmin Pay.
You can add up to 10 debit or credit cards to Garmin Pay.
On your watch, press and hold the light/action button to bring up the Navigation Controls menu. Then, tap the virtual wallet icon and enter your four-digit passcode. You will be prompted to enter your passcode every 24 hours, or if you have removed the watch after your last payment. Once the wallet is open, the last used card will automatically appear. You can select a different card by swiping down on your screen to choose the next one. Once you have chosen a card, tap your watch on the card machine to pay.
If you cannot remember your passcode, Garmin will delete your virtual wallet to protect you. You will then need to set up your device for Garmin Pay again.
It’s a way for our clients to buy Capitec Connect airtime with cash. You can buy a cash voucher
at any merchant that has the Blu Approved sign and use it to recharge with airtime.
You can buy a Capitec Connect cash voucher from any retailer where you see the Blu Approved logo. The voucher can be bought using cash or card, depending on the retailer.
You can call the number on the voucher (0800 014 942) for help with loading your
airtime.
No, there are no added fees.
Vouchers expire 36 months after you bought them. If the voucher has not been loaded in that
time, the money spent on the voucher will be lost.
It’s very important to keep your vouchers safe if you haven’t loaded them yet, as anybody who
finds a voucher can use it to recharge their Capitec Connect SIM. Essentially, it will be like losing
cash.
You can use our app to renew your vehicle licence:
Currently, you can only renew your vehicle licence on our app.
Yes, you can make a payment from your saving account or credit card.
Note: No partial payments will be allowed
Unfortunately, not. No partial payments are allowed. You must pay the full amount from your primary savings account or credit card.
Yes, we deliver to all 9 provinces.
No, you can only renew a vehicle licence registered in your name and linked to your South African ID?
The location where you would like the licence disc to be delivered to by the courier services
Your renewal fee will be provided by your district municipality where your vehicle is registered.
Please Note:
You get a 21-day grace period in which to renew an expired motor vehicle licence. The grace period is calculated from the expiry date of the current licence disc, and a late renewal penalty applies after this time. The penalty fee is calculated at 1/10th of the annual licencing fee per month that the licence remains lapsed.
Yes, if multiple vehicles are due for renewal, you may submit them simultaneously
No, all vehicle renewal discs, renewed at the same time, will be couriered to a single delivery address
Yes, you may renew your vehicle licence disc 2 months in advance via the Capitec App
When renewing your vehicle licence disc on our app, you enter a delivery address. This address will be used to deliver the licence disc to you by courier.
Sign in on the app and:
Delivery will take 3-5 working days.
Delivery to outlying areas may take longer
No, your licence disc will be delivered by the courier service to the address you specified on your renewal application.
Yes, you can change the delivery address once you received an SMS from the courier service. Follow the link in the SMS to change the delivery address on the courier service’s portal or call the courier service contact centre.
You will not be able to complete a vehicle licence renewal application on our app if:
Note: To query the above please visit your district municipal department where your vehicle is registered.
A Capitec Electro Voucher is a single use prepaid voucher that can be used to buy electricity for bespoke municipalities.
See detailed list attached. The Supported providers are also visible on the app.
Connect Advance is a self-service option that allows Capitec Connect clients to receive an advance on their airtime and repay it within 30 days. This means that qualifying clients get access to emergency airtime when they need it most.
The benefit of this service is that clients can stay connected and continue using data and making calls when they are unable to recharge or buy more airtime.
To qualify for a Connect Advance you must have used your Capitec Connect SIM for at least 3 months and loaded R30 of airtime or bundles over that period.
Every time a client takes a Connect Advance, they will be charged a fee of R0.80 (eighty cents) per advance taken. The advance fee will be added to the advance amount.
| Connect Advance amount taken | Advance Fee | Total Repayment |
| R3 | 0.80c | R3.80 |
| R5 | 0.80c | R5.80 |
| R10 | 0.80c | R10.80 |
Connect Advance is repaid when the client purchases airtime. Clients will not be able to purchase data, voice or SMS bundles until their outstanding Advance has been paid in full.
Once a Connect Advance has been taken, the client must repay the advance within 30 days from the date of purchase. They may continue to take additional Advances up to their full Available Limit.
Connect clients will be able to view their last 3 month’s Advance history on the App or USSD on the Advance Statement. Also, the Advance banner on the Connect feature on the app shows the client how much he has taken, and what he has available.
Once a Connect Advance has been taken, clients will be able to use it for data, voice and SMS’s. Client can only transfer or convert airtime to purchase bundles on USSD *147#.
Connect clients will continue to be blocked from any Connect bundle purchases until their Advance has been settled in full. Connect clients that have taken an Advance will be notified by either an SMS or In App message to remind them of their repayment. These will be sent 3 days before Due Date, On the Due Date and 1 day Overdue.
Connect clients will only be able to take an Advance if their Available Advance Balance including R0.80 Service fee is available i.e. to take a R3 Advance, the Connect client must have a minimum of R3.80 as an Advance Available.
The client’s Available Advance balance will change based on their usage and repayment behaviour. Clients not meeting the minimum criteria may see their Advance Available being removed completely.
All clients with an active Global One account, provided that they have not made use of all 4 available savings plans.
There are no monthly admin fees involved in a Notice Deposit Account. The standard transaction fees may be applicable. Please see the latest Capitec Fees for further information.
You can open a Notice Deposit Account on the Capitec App or by visiting a branch
Our Notice Deposit Account is not a transactional account, which means that you cannot deduct outstanding loan repayments and debit orders from it. You can transfer your money from your Notice Deposit Account to your main transactional savings account by giving us notice. The money will be made available after the notice period has passed.
Yes you may close your Notice Deposit Account at any time.
Yes, you may cancel a notice that is still waiting to be paid out. You can cancel any pending notice up to 17h00 (South African Standard Time) on the last day of your notice period.
You can access your money by giving us notice on the amount you need. The money will be transferred to your main savings account after the notice period has passed.
The interest rates for your Notice Deposit Account will change from time to time. Please visit the Interest Rates page on the Capitec website or App for more information.
A Fixed-Term Savings Plan is an investment account where you choose to fix your money from 6 to 60 months. You will not have access to your money until after the selected time has passed.
A Notice Deposit Account is an investment account where you can access your money any time by giving us notice and waiting for the notice period to pass.
It is a short-term investment account, which provides flexibility by allowing clients to access their money after giving notice. The notice periods can vary, depending on the account you choose.
Yes, you can give as many notices as you need, provided there is available money in your Notice Deposit Account.
No, you will not be able to change the notice period on your Notice Deposit Account (i.e. change from 7-day to 32-day on the same account). You will need to open another Notice Deposit Account will the desired notice period.
No, you will not be able to select your own notice period. The only options available currently is the 7-day or 32-day Notice Deposit Accounts.
No, there is no minimum and maximum limit on any Notice Deposit Account. You will earn start earning interest from R1.
No, you will not be bale to change your interest option once your Notice Deposit Account is opened.
No, if you choose to have your interest transferred out, it will only be paid out to your main savings account
No, you will not be able to schedule repeat payments into your Notice Deposit Account.
Yes, you may transfer money to your Notice Deposit Account at any time. It is not limited to when you open the account.
Please note that if we do allow you to withdraw money without giving us notice, a penalty fee will be charged. We may, within our sole discretion not allow you to immediately withdraw your money and may limit the amount you may withdraw. Allowing you to withdraw money from your Notice Deposit Account without giving notice, may not guarantee that you will be able to withdraw money immediately again.
Yes, you may have multiple Notice Deposit Accounts, provided that you have not made use of all 4 available savings plans.
A Showmax voucher is a prepaid voucher used to access Showmax’s subscription streaming service
A Showmax code is a unique, prepaid code used to redeem a Showmax voucher on the Showmax website
If you are a new Showmax subscriber:
For existing Showmax subscribers:
The voucher provides access to streaming services for 30 days from the date of activation
Yes, you can. Only one voucher can be activated at a time per profile, and you can stack up to 2 vouchers at once
A voucher expires 3 years after the purchase date
Showmax mobile voucher
Showmax all devices voucher
Showmax Premier League
No refunds are allowed. Please ensure that you enter the correct cellphone number for the intended recipient
Showmax Premier League will now include all PSL competitions including the Premier Soccer League, MTN8, Carling Cup, and Nedbank Cup.
Yes, the PSL content will be available only on the Premier League mobile plan as this is our sporting plan.
We are planning for PSL to be on Showmax for the foreseeable future.
The life cover policy only provides cover for you, the policyholder.
No, you can only have one active Capitec life cover policy at a time.
You can choose from three payout options:
Note: You can also combine all three options.
You can add up to:
Note: You will need to provide details of an adult who will care for any minor beneficiaries if you pass away
Yes, a foreign national can be designated as a beneficiary, as long as they are at least 18 years old and have a South African bank account.
Your cover starts as soon as the policy is signed by you, the policyholder.
Life cover claims typically take three to five business days to be paid out, as the cover amount is higher than funeral claims. In some cases, it may take longer if we have trouble reaching your beneficiaries. To avoid delays, keep your beneficiaries' contact details up to date.
The claim will not be paid if:
Note: We will not pay a claim if it is as a direct or indirect result of unlawful and criminal acts, active participation in war, invasion, acts of foreign enemies, hostilities, illegal strikes, war-like 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.
No, the payout will go directly to your nominated beneficiaries and will not be used to settle debts in your estate.
No, a Capitec life cover policy cannot be used as security or assigned to a bank when applying for a home loan.
No, you do not need to update us if you are diagnosed after the policy is issued. Your cover will remain valid. We only consider medical conditions when you first take out a policy. However, if you want to increase your cover, you’ll have to answer the health questions again.
We’ve changed the names of some of our savings accounts:
These changes do not affect the monthly fee on your 'Main Account'
No, the recent name changes do not affect the monthly fee on your 'Main Account' or 'Access Anytime Savings' account.
No, the recent name changes will not result in any increase in the monthly fees for your 'Main Account' or 'Access Anytime Savings' account.
The recent name change does not require you to do anything. You do not need to re-sign any documents.
Please be aware that as part of these changes we will never ask you to:
No, the name change does not affect your account settings. You don't have to do anything. We'll make the change automatically.
Please note that as part of these changes, we will never ask you to:
Unfortunately you will not be able to change the name of your 'Main' account but you are able to change the name of an 'Access Anytime Savings' account.
To change the name of your 'Access Anytime Savings' account simply sign in on the Capitec App --> select your 'Access Anytime Savings' account --> select 'Manage' --> select 'View account details' --> click 'Change' next to 'Account Name' --> change name and click 'Update'
Capitec has always made sure that our savings' product names clearly and simply describe what the account is and what it offers clients. As we have expanded the range of savings accounts, we offer you, to include accounts like the 'Notice Deposit', we've had to re-look the names of our products to make sure that they still clearly and simply describe what the accounts offer.
Our goal with these changes is to reduce confusion between savings products and help clients easily see which accounts are best for their day-to-day spending and which are better for growing their savings.
Check your bank account to confirm that the amount was deducted from it. Check your internet connection. If you have done all the above and are still having issues, please contact us
Foreign currency payments are automatically converted and credited to your account once we receive your Balance of Payment Declaration.
The sender must instruct their foreign bank to:
Once your payment is received, it will be routed to your Capitec app, where you can complete the payment declaration. If it meets the requirements of the South African Reserve Bank (SARB), your account will automatically be credited.
If the payment doesn't meet the criteria, a consultant will contact you for a Balance of Payment Declaration or additional documents. For assistance, contact our Forex team at 021 809 4501 or InfoForex@capitecbank.co.za
South African banks do not use IBAN account numbers.
If the paying entity requires an IBAN account number, you can use the Capitec 10-digit account number preceded by 6 zeroes (000000) if necessary.
Any regular payments you receive (such as a salary payment from an international employer) can be automatically credited to your account. To set this up, you need to complete the Standing Instruction and Indemnity form.
Download, print, and complete the form, and email the completed form to ForexSI@capitecbank.co.za
The Standing Instruction remains valid until you cancel it in writing.
Note: The sender needs to match the sender listed on the form for funds to be released. Any changes must be signed in full.
The South African Reserve Bank (SARB) allows authorised dealers to process international payments to the beneficiary’s account without obtaining a declaration if:
Ensure that your personal account information (FICA) and contact number are up to date on Capitec’s system to avoid unnecessary delays.
When expecting an international payment, ask the sender to include the payment reason in the reference field. We’ll assign the correct reason code for SARB, SARS, and Financial Intelligence Centre (FIC) reporting without contacting you. Once processed, you'll receive an SMS with the category reported to SARB. If you disagree with the category, contact the Forex team to redeclare the funds for Balance of Payment Reporting.
We might contact you if the reason provided under Other is insufficient to determine the payment category.
Please note false declaration is regarded as a transgression of Exchange Control legislation. If you have any questions, you can contact us on 021 809 4501 or InfoForex@capitecbank.co.za
Receiving an international payment can now be declared on our verified WhatsApp number, 067 418 9565.
The Forex team will send you a message from our verified WhatsApp number to get the Balance of Payment declaration before crediting your account.
WhatsApp declarations will expire within 30 days and the following reasons will be available on the WhatsApp declaration:
Fees for international payments cannot be determined or quoted before the payment is received due to the number of other banks involved in making the payment to Capitec.
For more information on the applicable international payment fees, refer to the fees page or flyer.
We cannot guarantee exact clearing times because the foreign bank could use their intermediary/local bank to process an international payment.
The transaction may take longer or be returned if the sender or foreign bank doesn't provide the correct account information or if the information is incomplete.
Returned payments could incur fees. Due to the number of foreign/intermediary banks involved in the payment, their fees cannot be determined or quoted. Their fees will be deducted from the payment's value.
Supplementary Global One cards can only be used in South Africa.
Common Monetary Area (CMA) clients – South Africa, Lesotho, Namibia, and Swaziland – can only use their debit cards in these countries.
No, you cannot use your Global One card to buy foreign lottery tickets or for online gambling. The South African Reserve Bank (SARB) Currency and Exchange Manual prohibits funding virtual accounts for online gambling or buying lottery tickets.
The SARB rule which prevents clients from using their Global One card abroad is:
"Residents may not participate in lotteries organised abroad, as such participation contravenes the Lotteries Act, 1997 (Act No. 57 of 1997).
“Residents may not use their South African issued credit and/or debit cards to facilitate payments for the abovementioned purposes, and in addition all issuers of American Express, Diners Club, MasterCard, and Visa cards, may not accept such debits against resident cardholders' accounts in respect of the payment for foreign lottery tickets or gambling activities.”
Buying cryptocurrency from non-South African entities with a debit, credit, or virtual card is not allowed. These transactions are not permitted under the Currency and Exchanges Manual of the South African Reserve Bank (SARB).
You cannot use your Global One card to trade forex or purchase cryptocurrency.
Yes, as a foreign national, you can receive an international payment into your Capitec account by providing:
It's an easy, convenient and secure way to send money internationally to individuals or businesses in a different currency. The money is paid directly from your main savings account in rands to the recipient’s bank account in the foreign currency.
Rates:
Exchange rates change constantly. When you start the payment, you’ll see an estimated exchange rate. The final rate will be displayed once you confirm the payment.
Fees/charges:
For the sender:
For the recipient:
The amount the beneficiary receives may be less than the original amount quoted to you because:
You can send money to most countries using USD, GBP, and EUR. More currencies are coming soon.
No, international payments can only be made from your main savings account. We're working on adding this feature for other accounts.
To make an international payment, you’ll need:
We need the full address to comply with regulatory requirements for international payments.
A SWIFT (Society for Worldwide Interbank Financial Telecommunications) / BIC (Bank Identifier Code) code is a unique code used for processing international payments. It has 8 or 11 alphanumeric characters that identify the name, country, location and branch of the bank or financial institution. You'll need to provide the SWIFT/BIC code for the beneficiary's bank when making an international payment.
Capitec’s SWIFT code: CABLZAJJ
An IBAN (International Bank Account Number) is a standard way of identifying bank accounts internationally. It starts with a 2-digit country code, followed by 2 numbers, and then a series of letters and numbers (up to 35 characters). Not all beneficiary banks require an IBAN, but if they do, you’ll need to provide it.
We can only transfer money to the countries listed under the international payments functionality on our app. Please call our Forex team on 021 809 4501 if you need help.
If a foreign bank is not on the list of beneficiary banks, it means that we are not currently supporting payments to that foreign bank on our app. Please call our Forex team on 021 809 4501 if you need help.
If a foreign currency is not listed under international payments on our app, it means that we are not yet supporting international payments in that foreign currency. Please call our Forex team on 021 809 4501 if you need help.
The minimum payment amount is R350.
Yes, you can make payments outside of business hours, but they will only be processed the next business day (8am – 4:30pm South African time), using that day’s exchange rate.
Payments usually take up to 4 business days to reach the recipient, depending on the beneficiary’s bank and the destination country.
The SDA is a limit set by the South African Reserve Bank (SARB), which allows South African residents to send money abroad. You can send up to R1 million per calendar year and it includes all outward international payments and international card transactions processed by South African banks.
Please call our Forex team on 021 809 4501 for assistance.
South African residents aged 18 or older with a green barcoded ID or Smart ID card can use the SDA of R1 million per calendar year. You can’t use someone else’s SDA for international payments.
You don’t need documents for most international payments under your SDA, but Capitec may ask for them if needed. Keep a record of all documents for your payments.
The South African Reserve Bank (SARB) sets the SDA limit at R1 million per year. If you need help, contact our Forex team on 021 809 4501.
No, a tax clearance certificate is not required.
No, you don’t need to provide your income tax number.
You can use our app to make legal international payments under your SDA for:
To request a payment recall, contact our Forex team at 021 809 4501 or email ForexAppQueries@capitecbank.co.za with the following details:
Payment recalls are at the sole discretion of the beneficiary bank and Capitec cannot guarantee that the money used for the international payments subject to the recall request will be returned to you.
Incorrect payments cannot be refunded.
Note: A recall fee will be charged.
A payment can be returned if any beneficiary details are incorrect. Double-check the beneficiary’s information, bank, account number or IBAN, and SWIFT/BIC code before making the payment.
The returned amount may be less due to fees deducted by the intermediary or beneficiary bank. The exchange rate also differs for sending and receiving money.
International payments can take up to 4 business days to reach the beneficiary, depending on the country’s regulations. To request a transaction trace, contact our Forex team on 021 809 4501 or email ForexAppqueries@capitecbank.co.za with the date of the transaction, the amount, and your account number.
International payments can only be made for the reasons listed on the app. For all other types of transactions contact our Forex team on 087 830 6361 or email CapitecFX@capitecbank.co.za
Forex regulations only allow international payments from your main savings account.
Yes, you can use the app to make international payments if you’re outside of South Africa.
No, international payments are only available to South African residents with a 13-digit ID number.
Remote Card Fulfilment is a service that allows you to order a physical card that is delivered
to you by courier to an address of your choice
You can replace a physical card that has been lost, stolen, damaged or for any other reason
at any time.
You can also replace a card that will expire within the next 90 days using Remote Card
Fulfilment.
You will need to provide the name and address of the person who will receive the card
delivery.
Delivery times vary by location, but your card will typically arrive within 3-5 business days.
You can check the status of your card delivery at any time via the Capitec app.
If your card has not arrived within the expected timeframe, please contact our Client Care for assistance on 0860 10 20 43.
Instructions for activating your card will be included on the card carrier. You can activate your card on the Capitec app, or by calling Client Care on 0860 10 20 43.
Yes, once your card is activated, and limits have been set, you can transact with your card
immediately.
While waiting for your physical card to arrive, you can get a virtual card on the Capitec app
and add it to your preferred pay wallet to continue transacting. You can also use virtual cards for online purchases.
Yes, your personal details are protected throughout the process and only shared with necessary parties to facilitate card production and delivery.
If you lose your peel-off tab and can’t remember your PIN, you can reset your PIN at any of our branches. To reset it at an ATM, you’ll need to know your current PIN.
Note: To reset your PIN, your card has to be activated first. Activation can be done via the Capitec app or with the assistance of our Client Care.
If you can’t read the PIN, take the peeled-off tab to a branch and a PIN reset can be done at no additional cost.
There are fees associated with card delivery. Detailed information will be provided during the ordering process.
Address changes may be possible if the card has not been shipped yet. If you are able to update delivery details on your Capitec app then changes to the delivery are still possible.
Note: No changes can be made on the day of delivery.
If your card arrives damaged, please contact Client Care immediately. A replacement card will be issued at no additional cost.
You can get 1GB free Capitec Connect data every month.
To qualify, you need to have a verified Connect SIM, an active credit card and ensure your credit is in good standing.
Set your Connect number as your verified cellphone number linked to your GlobalOne personal banking account. To do this, update your phone number on our app under my information.
If you set your Connect number as your verified cellphone number your first data payout will be on the 10th of the next month.
Make sure to keep up with your credit card payments and avoid any overdue balances. Your credit must be in good standing to qualify for this benefit. You will not be eligible for this benefit if you are in debt review.
