Capitec Bank

Capitec Bank

About this app

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

Ratings and reviews

The new feature that requires you to take a selfie every time you are making a once off payment is really annoying (it looks like this happens when you make payments from a certain minimum amount). Imagine if you have to make multiple once off payments? This feature is just unnecessary and complicates the payment process. If you can implement a "working" biometric authentication and then enforce the same auth - the experience would be much better.

It is very smart and modernized. It's always updates and make itself to be easier to be used by anyone. it informs to clients if there's anything changes. It is always considered customer friendly. I think it's the best of all. Because is manageable and easy to be understood by anyone everyday and everywhere. Because of that it became more and more popular than it's counterparts by far. I think anyone experienced it won't lose nor forgot it anymore. Because of it's capabilities around the world.

Brilliant app until about a month ago. The selfie verification stopped working, so haven't been able to pay any new beneficiaries. Have had it checked and setttings changed at the bank and was informed it is an app error. Still waiting for someone to help me. Getting very frustrating not being able to do my normal day to day banking. Update 1May 2026: No feedback or improvement. Managed to get the app working on another device, when I try on my phone it doesn't work. Very inconvenient.

What’s new

Bug fixes and performance improvements