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