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