Our 2025 fees
Personal banking
Monthly administration fee
Main account (maintain a minimum balance of R30) 7.50
Credit card 50.00
Digital 13
Know what you get and pay App /Online/USSD
1
Card Branch2
Purchases
Any South African card machine – FREE –
Online/scan to pay/Apple Pay/Samsung Pay/Garmin Pay/Google Pay3,6,7,8,12 – FREE –
Airtime/data/SMS bundles 0.50 – –
Electricity 1.00 – –
Airtime (other bank ATM) – 10.00 –
Pay bills/vouchers/LOTTO 2.00 – –
Vehicle licence renewal (service fee) 50.00 – –
Capitec Pay 1.00 – –
International processing fee12 – 3.00 –
Payments
Transfer between own accounts FREE FREE (ATM) FREE
To Capitec client (it’s immediate) 1.00 – 6.00
To other South African bank 2.00 – 6.00
Immediate payment to other South African bank 6.00 – 6.00
Send cash10,11 10.00 per 1 000.00 – –
Payment received from Mastercard® MoneySend – 1.00 –
International payments
Receive an international payment in rand or foreign currency4,5 50.00 – –
Make an international payment in rand or foreign currency4,5 175.00 – –
Recurring payment (stop orders)
Add, amend or cancel FREE – 6.00
To own account FREE – FREE
To other Capitec account 1.00 – 1.00
To other South African bank 2.00 – 2.00
Cash withdrawals
Supermarket tillpoint4 – 2.00 –
All ATMs (any South African bank) – 10.00 per 1 000.00 –
International Mastercard® ATM3,4,6,8,9 – 70.00 –
International Mastercard® card machine3,4,6,8,9 – 10.00 –
PayShap
Capitec to Capitec 1.00 – 1.00
Capitec to other South African banks 2.00 – 2.00
Balance enquiries
Capitec FREE FREE FREE
Other South African bank card machine/online/scan to pay/telephone6,9 – 1.00 –
International Mastercard® card machine/online/scan to pay/telephone6 – 3.00 –
Other South African bank ATM or International Mastercard® ATM6,9 – 10.00 –
Declined transactions (insufficient funds, exceeds card limit,
international and online purchases turned off)
Capitec card machine/Capitec ATM – FREE –
Other South African bank card machine/online/scan to pay/telephone 6,9 – 1.00 –
International Mastercard® card machine/online/scan to pay/telephone6 – 3.00 –
Other South African bank ATM or International Mastercard® ATM6,9 – 10.00 –
Security
Stop lost/stolen card FREE – FREE
Card replacement (physical): Debit or credit card – – 70.00
Card replacement (virtual): Debit or credit card FREE – –
Card PIN reset – – 6.00
PIN change FREE FREE (ATM) –
Know what you get and pay Digital1,13 Branch2
Debit orders (R)
Debit order 3.00 –
DebiCheck authentication 1.00 6.00
Printed DebiCheck list 6.00 6.00
Stop debit order 6.00 6.00
Returned (insufficient funds) 6.00 –
Disputed debit order
Last 40 days 6.00 30.00
After 40 days – 30.00
DebiCheck last 12 months – 30.00
Statements (1 – 3 months)
Main account/access anytime/tax-free savings plan FREE 6.00
Fixed-term/notice-deposit/tax-free savings plan FREE FREE
Credit card statement (first statement free) FREE 6.00
Credit card transaction history FREE 6.00
Other
Early release: tax-free savings – 300.00
Card limit update – 6.00
Close account – 6.00
Reversal of payment request
To Capitec account (last 40 days) 6.00 6.00
To other bank account (last 40 days) 70.00 70.00
Notification
In-app and email FREE –
SMS 0.35 –
Additional fees
Send account details
Email FREE
SMS 0.35
Deposits
Cash for loan repayment FREE
Notes (cash-accepting ATM) 1.40 per 100.00
Coins (consultant/coin deposit machine) 15.00 per 100.00
Exchange Control Application fee4,5 1 000.00
Card delivery
New credit card delivery FREE
New debit card delivery 100.00
Second delivery attempt 150.00
Cancellation of card delivery 150.00
Chargebacks
Unsuccessful dispute of a card transaction 30.00
1
Your service provider will charge a fee for network access
2
Includes Client Care Centre and Self Service Terminal transactions
3
International travel–related transactions in terms of Section B.16 and Section B.4 of the Currency and Exchanges Manual for Authorised Dealers of the
South African Reserve Bank
4
Fixed fee means it does not increase as the value of the transaction increases
5
See our website for more info on foreign exchange services
6
Supplementary cards cannot be used internationally
7
Online international card payments for miscellaneous transactions limited to R50 000 per international transaction in terms of Section B.16 of the
Currency and Exchanges Manual for Authorised Dealers of the South African Reserve Bank
8
See our website for more info on direct currency conversion
9
Get cash from any international ATM and purchase at any international card machine with the Mastercard® logo
10
Remote banking app limits for sending cash: R3 000 per transaction, R5 000 per day, R24 990 per month
11
Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction, R1 000 per day, R24 990 per month
12
A processing (authorisation/clearing) fee will be charged for successful international transactions, whether the transaction was initiated cross-border from outside
South Africa or locally from within South Africa
13
Not all transactions listed under Digital are available on all of the Digital channels
Conditions apply. Fees include VAT.
Valid from 01 March 2025. All information correct at time of going to print, 24/01/2025 and is subject to change. Capitec Bank Limited is an authorised financial services
provider (FSP46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No.: 1980/003695/06
