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Capitec Bank

This app hands users total financial command, stripping away needless complexity and cost.

Finance & Crypto ›

Key Figures

Downloads

2.5M+

User Rating

2.9/5

Total Ratings

7.0K

Publisher

Capitec Bank Limited

Evaluating key features for the financially savvy and value-conscious South African user base.

Capitec Bank: A Comprehensive Digital Banking Analysis

Cost-Effective Banking & Fee Minimisation

This tool features smart technology designed to reduce banking fees, offering significant savings and putting money back into users' pockets, aligning with a value-conscious approach.

Advanced Security & Fraud Prevention

It ensures user financial safety through biometric login, encrypted data, real-time fraud alerts, and advanced card management features like contactless transaction control and immediate card blocking for lost or stolen cards.

Comprehensive Transaction & Payment Suite

The app provides a wide array of transaction capabilities, including instant bill payments, secure online shopping with Capitec Pay, cash sending, and diverse QR code payment options, ensuring all financial operations are easily managed.

Integrated Business & Entrepreneur Banking

This tool offers specialized accounts for both CIPC-registered businesses and non-registered entrepreneurs, featuring competitive low fees and distinct tools to manage business finances efficiently.

Flexible Savings & Integrated Investments

The app allows users to open and manage up to 10 personalized savings plans with flexible or fixed interest options, and to buy and sell shares through EasyEquities, saving on brokerage fees.

Seamless Digital Account Opening

It enables prospective clients to open a bank account effortlessly using only a selfie and an ID, with options for card delivery or free collection, streamlining the onboarding process.

Zero-Data Banking & In-App Calling

The app provides banking services that incur zero data charges on most major South African networks and includes free in-app calling, enhancing accessibility and reducing communication costs for users.

Diverse Credit & Lending Solutions

It offers personalized credit estimates, and facilitates applications for various loans (home, education, vehicle), along with a credit card that provides 1% cashback on every spend.

FAQ

Frequently Asked Questions

Everything you need to know about Capitec Bank

Is the Capitec Bank app secure?

Yes, the Capitec Bank app is secure and easy to use. It ensures the protection of your financial data and transactions.

Does the Capitec Bank app use data?

No, the Capitec Bank app charges no data fees on most major South African networks when you use the application.

How do I open a Capitec account using the app?

You can open a Capitec account by taking a few selfies and scanning your ID directly within the Capitec Bank app, without visiting a branch.

Can I get my Capitec Bank card delivered to my home?

Yes, you can choose to have your Capitec Bank card delivered to your door for a fee, or you can collect it at a branch for free.

How do I reset my Capitec Bank app PIN?

You can reset your forgotten Remote app PIN for the Capitec Bank app without needing to visit a branch.

Can I buy and sell shares with the Capitec Bank app?

Yes, the Capitec Bank app allows you to buy and sell shares, saving 20% on brokerage fees across all trades with EasyEquities.

Does the Capitec Bank app support QR code payments?

Yes, the Capitec Bank app allows you to scan and pay all major QR codes directly from within the application.

Does the Capitec Bank app help track spending?

Yes, the Capitec Bank app helps you keep track of how you are spending your money, categorizing transactions like food expenses.

Can I send cash to friends and family using the Capitec Bank app?

Yes, you can send cash to friends and family through the Capitec Bank app for collection at selected retailers and Capitec ATMs.

How do I manage my Capitec Bank card settings in the app?

The Capitec Bank app allows you to update card withdrawal/purchase limits, manage contactless payments, and immediately stop lost or stolen cards.

How many savings plans can I manage with the Capitec Bank app?

The Capitec Bank app allows you to open, personalize, and manage up to four additional savings plans alongside your main account.

Can I get a funeral plan through the Capitec Bank app?

Yes, you can get a funeral plan and manage it 24/7 directly within the Capitec Bank app, including free estimates.

Can I manage my credit facilities using the Capitec Bank app?

Yes, the Capitec Bank app provides a free personalized credit estimate and allows you to manage your credit facilities.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

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