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.

There is one bug currently annoying me, and it could have some serious consequences: When I press the back button on the home tab for the sign out prompt, I hit ok which takes me back to the sign in page. However, after like 3 seconds it automatically goes back to the home tab just like when I sign in! Imagine if I was in a rush and left the phone on a table and one of my nephews took it and started messing around... Other than that I have no complaints, keep up the great work! App update 29-04

we opened an account 2 months ago and since then logging into the app has been a struggle. when you finally get in, its a nightmare trying to add a beneficiary, make a payment or even see if the eft payment you just made went through. as the statement/balance doesn't update until a couple of days later. the same happens when we try online banking from a laptop. the experience has been so bad that we are moving to another bank.

What’s new

Bug fixes and performance improvements.