The Capitec Bank Mobile App redefines convenience in banking by allowing clients to manage their finances with ease and security from their mobile devices. From opening an account with just a selfie and ID number to making international payments, applying for credit or life cover, renewing a vehicle license disc, the app is built to cater to diverse financial needs. Offering a personalized account overview, instant payments, advanced security, and multiple payment solutions like Capitec Pay, Pay Me, and PayShap, this app makes banking seamless. Whether you are a new client or a long-time user, the Capitec app puts full financial control in your hands - anytime, anywhere.
Open an Account. You can effortlessly open a Capitec account by taking a selfie and entering your ID number directly in the app. There’s no need to visit a branch, and you can choose to have your card delivered or collected at a branch.
Send Cash. Instantly send cash to anyone in South Africa for free, even if they don’t have a Capitec account. Recipients can collect the funds at any Capitec ATM or retailer location.
Shop Online with Capitec Pay. Make secure online purchases with Capitec Pay, designed to provide a seamless checkout experience without needing a traditional card.
Immediate Payments. Pay anyone instantly, regardless of their bank, for a low fee. This feature supports quick and convenient transactions that clear immediately.
Scan to Pay. Go cardless by scanning QR codes like Masterpass™ or SnapScan for safe and quick payments at various retailers.
Manage Cards. Take full control of your Capitec cards by enabling or disabling tap-to-pay, adjusting spending limits, and blocking lost or stolen cards directly from the app.
Secure Login with Facial and Fingerprint Recognition. Log in safely using facial or fingerprint recognition, adding an extra layer of protection to your banking experience.
How to Download Capitec Bank App?
For iOS
Open the App Store on your iPhone.
In the search bar, type "Capitec Bank" and select the official Capitec Bank app from the search results, or visit the Capitec Bank website to download it directly.
Tap "Get" to start downloading the app to your device.
Wait for the app to download and install automatically.
Once installed, open the app and follow the prompts to register your account.
Set up your Mobile Banking PIN and enable biometric login (fingerprint or facial recognition) for enhanced security.
For Android
Open the Google Play Store on your Android device.
In the search bar, type "Capitec Bank" and select the official Capitec Bank app, or you can also download it directly from the Capitec Bank website.
Tap "Install" to begin the download process.
Wait as the app downloads and installs on your device.
Once installed, open the app and follow the on-screen instructions to register your account.
Set up your Mobile Banking PIN and enable biometric login (fingerprint or facial recognition) for enhanced security
How to Apply in the App?
Open the Capitec Bank Mobile App, and log in using your existing Capitec online banking details. If you're a new user, select the registration option to begin the quick setup process.
Enter your South African ID number and follow the on-screen instructions to verify your identity.
For added security, capture a selfie in the app as part of the identification process.
Once verified, set up your Mobile Banking PIN, which will be required for future logins and transactions.
Navigate to the specific service you wish to apply for, such as opening an account or accessing other banking products.
Follow the guided prompts to provide any necessary personal and financial details, like income or contact information, depending on the product.
Review and accept the terms and conditions to finalize the application.
After submission, you will receive a confirmation in the app along with any next steps, ensuring a smooth, in-app application process.
How to Pay Through the App?
Open the Capitec Bank app and log in using your Mobile Banking PIN or biometric login.
Tap "Transact" on the main menu to access payment options.
Tap "Payments" to start a new transaction.
If you need to add a new recipient, select "Add Recipient" and enter the recipient’s bank details, including their account number and bank name.
Review and save the recipient information to add them to your list of beneficiaries.
Select the recipient from your list and enter the payment amount and any additional payment details.
For immediate payments, tap "Immediate Payment" to transfer the funds instantly.
Confirm the payment by entering your Remote PIN to authorize the transaction.
After confirmation, you will receive an in-app notification for a successful payment.
To set up automatic recurring payments: while entering the payment details, choose the option to set up a recurring payment; specify the frequency of the payment (e.g., monthly, weekly) and the end date or number of occurrences if needed and confirm the recurring setup, and the app will automatically process the payment at each scheduled interval, with notifications sent to keep you informed.
How to Delete Capitec Bank App?
For iOS
Locate the Capitec Bank app on your home screen.
Press and hold the app icon until a menu appears, then select “Remove App.”
Tap “Delete App” and confirm by selecting “Delete” again to remove it from your device.
Deleting the app will not delete your Capitec Bank account or personal information from the bank’s system.
To request that Capitec delete your personal information or to deactivate the app if your phone is lost or stolen, complete the Capitec Data Privacy Form available on thebank’s website and submit it online, or call Capitec’s customer support at 0860 10 20 43.
For Android
Open your device’s “Settings” and go to “Apps” or “Application Manager.”
Scroll through your installed apps and select the Capitec Bank app.
Tap “Uninstall” and confirm by selecting “OK” to remove the app from your device.
Deleting the app does not delete your Capitec Bank account or personal data stored by Capitec.
To request that Capitec delete your personal information or to deactivate the app if your phone is lost or stolen, complete the Capitec Data Privacy Form available on thebank’s website and submit it online, or call Capitec’s customer support at 0860 10 20 43.
Can I use the Capitec app on multiple devices simultaneously?
Yes, you can use the Capitec app on multiple devices; however, each device will need to go through the authentication process. This includes verifying your identity and setting up a Mobile Banking PIN on each device for secure access.
Is there a fee for immediate payments made through the Capitec app?
Yes, Capitec charges a small fee for immediate payments made to other banks. The current fee is R7.50 per transaction for instant transfers, ensuring that the funds are cleared immediately.
Can I apply for a credit facility, such as a personal loan or credit card, directly within the app?
Yes, you can apply for a personal loan, credit card, or even life cover directly in the app. Simply navigate to the “Credit” section in the app and follow the on-screen instructions. Approval times may vary based on the type of facility and your credit profile.
What happens to my Capitec account if I delete the app?
Deleting the Capitec app from your device does not affect your Capitec account, which will remain active. You can continue to access your account through other Capitec platforms, such as ATMs or branch services, and you can reinstall the app anytime.
How can I recover my Capitec app if I change phones?
If you change phones, download the Capitec app on your new device, log in with your Mobile Banking PIN, and verify your identity through the app’s prompts. If you encounter issues, you can call Capitec customer support at 0860 10 20 43 for assistance in reactivating the app on your new phone.
