Capitec Bank
No in-app products collected for this app.
| Rating | |||
|---|---|---|---|
| South Africa | 97%206 | 3.54 | |
| United States | 3%6 | 2.50 | |
| Nigeria | <1%1 | 5.00 | |
| Antigua And Barbuda | <1%0 | — | |
| Anguilla | <1%0 | — | |
| Albania | <1%0 | — | |
| Armenia | <1%0 | — | |
| Angola | <1%0 | — | |
| Argentina | <1%0 | — | |
| Austria | <1%0 | — |
Description
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