Capitec Bank

The Capitec app puts better banking in your pocket. It’s free, secure and easy to use. 

Enjoy zero data charges on most major SA networks, free in-app calling and secure identity confirmation. 
Do all your banking with SA’s Bank of the year (News24 Business Awards 2025).

Get started


• Open an account with just a selfie and your ID
• Get your card delivered for a fee or collect it for free
• Save on fees with smart tech that puts money back in your pocket


Your security matters


• Keep your Remote PIN secret, you can reset it on the app
• Always keep your phone safe and in your possession
• Benefit from biometric login, encrypted data and fraud alerts
• Manage contactless card transactions by turning Tap to Pay on and off
• Stop lost or stolen cards immediately
• Extra security features like In-app Call Verification, Contact Lock and Feature Lock 


Transact 
Manage and move your money easily


• Manage your card limits, tap-to-pay settings and debit orders
• Pay Bills instantly: DStv, municipal bills and more
• Send Cash to friends and family to collect for free at retailers or Capitec ATMs
• Buy prepaid electricity, water and airtime
• Shop online securely with Capitec Pay, no card details needed
• Make Cross-Border Money Transfers and International Payments on the app
• Use Pay Me to accept payments from Capitec clients via your personal QR code
• Scan to Pay major QR codes like SnapScan and Zapper

Save 
Grow your money confidently with flexible savings tools


• Open and manage up to 10 savings plans
• Choose flexible or fixed options to earn better interest
• Personalise and name your savings goals
• Buy and sell shares with EasyEquities, save 20% on brokerage fees


Insure 
Protect what matters, get more cover for less


• Get free estimates on the app for Life and Funeral Cover
• Apply on the app and manage your cover 24/7
• Funeral Cover for up to 21 family members 
• Life Cover with 3 payout options (monthly income, children’s needs or a lump sum)


Credit 
Flexible personalised credit solutions that suit your needs


• Get a free personalised credit estimate
• Apply for a Home Loan, Education Loan, Vehicle Loan and more
• Earn 1% cash back on every spend with a Capitec Credit Card
• Access flexible and lower-limit credit options


Connect
Affordable airtime, data and phones from Capitec Connect


• Pay less for prepaid airtime and data bundles from Capitec Connect
• Link your Capitec Connect number to your Capitec Main Account and get 20% extra data 
• Buy an iPhone or Samsung phone on the app 


Business Banking
Get the same low fees for your business



• Save up to 50% on fees
• Only R50 monthly fee
• Same low transactional fees as Personal Banking
• Access to a personal banker with relationship suite


Entrepreneur Account
Separate business from personal, give it space to grow



• For small businesses, freelancers or side hustlers who aren’t CIPC registered
• Open up to 4 Entrepreneur Accounts and track cashflow for each
• Pay the same low transactional fees as a Personal Banking with no extra monthly fee
• Get an Entrepreneur Account Debit Card and personalise it with your business name