Capitec Bank - Manage finances & payments

Capitec Bank's app is both secure and user-friendly. Utilizing it on the majority of major networks in South Africa incurs no data charges. By incorporating advanced technology, we have reduced banking costs resulting in lower transaction fees when utilizing our app - putting savings back into your hands. So, if you're ready to take the stress out of managing your moolah and actually enjoy handling your finances, jump on board with us. It's time to make banking as fun as scrolling through memes!

Transaction Features:

- Effortlessly open a Capitec account by simply taking selfies and scanning your ID.

- Choose to have your card delivered to your doorstep for a fee, or pick it up at a branch for free.

- Conveniently reset your forgotten Remote app PIN without needing to visit a branch.

- Trade shares and benefit from a 20% saving on brokerage fees across all transactions with EasyEquities.

- Use Pay me to create your custom QR code for receiving payments from Capitec customers.

- Scan and pay various major QR codes directly from the app.

- Receive free transaction notifications via in-app Money In/Money Out messages.

- Monitor your spending habits effectively.

- Send money to friends and family to be collected at designated retailers or Capitec ATMs.

- Modify your card withdrawal and purchase limits.

- Manage contactless card transactions by enabling or disabling tap-to-pay functionality.

- Adjust your tap-to-pay limit.

- Instantly block lost or stolen cards.

- Manage your debit orders and DebiCheck mandates.

- Receive electronically stamped statements via email.

- Easily transfer funds to other bank accounts within South Africa.

- Make immediate payments for services such as DStv, SARS eFiling, or TV licenses.

- Send money to Capitec clients using their authenticated cellphone numbers only.

- Purchase prepaid electricity, airtime, data, and SMS bundles.

- Manage your Internet banking by toggling it on and off.

Savings Options:

- Establish, personalize, and oversee four additional savings plans.

- Secure competitive interest rates by fixing your savings plans.

Insurance Services:

- Obtain complimentary quotes through the app.

- Access and manage your funeral plan round the clock.

Credit Facilities:

- Obtain a personalized credit estimate at no cost.

- Efficiently manage your credit facilities within the app.

Enjoy these benefits on our app:

Open a Capitec account  

Simply take a selfie and enter your ID number – no branch visits needed!

Get a full view of your accounts and features on one screen  

See balances easily, plus personalise your home screen to show the features you use most

Make easy, fast and safe payments  

Scan to pay, instantly pay bills or people, do it all – just like that

Choose your notifications

Get free in-app Money In/Money Out notifications and SMS notifications for 40c per notification  

Safe way to sign in  

Fingerprint and facial recognition sign-in

Manage your cards  

Easily turn your card’s tap to pay functionality on and off, set your limits or stop a lost or stolen card

Smart savings

Open savings accounts with or without notice periods  

Renew your vehicle licence disc

Forget waiting in queues to renew your licence disc, do it in 4 easy steps 

FAQs:

- How safe is my money?

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.

- What is credit life insurance?

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

Death – full outstanding amount

Permanent disability – full outstanding amount

Temporary disability – a maximum of 12 repayments

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

- What's my credit estimate based on?

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.

Once you have registered and activated the app, remember to safeguard your:

- Remote PIN confidentiality.

- Cellphone safety and always keep it with you.