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
Why on earth would Capitec have an 18+ rating on their banking app? Both my kids bank with Capitec but they are unable to view their online balance or use the app because of the app rating. No other banking app has a rating that high. I have Family controls set up on their Apple phones so my daughters can’t even see the app. I think Capitec needs to relook at this.
Bad update
Very unhappy Capitec youth
I am a 16 year old user of the capitec bank app. I have been able to use the app just fine until their recent update of changing the age restriction to 18+. I can not look at my balance or even open the app at all. I think this is a completely stupid update as people that are 16+ are able to open their own bank account, but now they can not even use the app. Update: It has been a bit less than a month now, I went to Capitec bank to see if they could help me, they everything but helpful. The lady that helped me said that it was something wrong with my phone and that I need to change my age to 21+ on my iCloud account, but when I checked the age restriction it was 17+ (I am now 17), so I actually do not understand why it isn’t working. I have even tried to login on Capitec’s online banking website, but it says I can not login without checking in with my app account, so I am completely at a loss WORSE UPDATE EVER!
Can’t check transactions
JideAkinwale
Now crashes if I want to check my transactions. Shows error page and jump back to sign in page. I switch off my phone every night and ON in the morning. I've also deleted and reinstalled the App; none fixed the error.Now works after few weeks of frustration.
Developer Response
Hi Jide, we are concerned by your review, kindly try restarting your phone and let us know if the issue persists.
Budget function gone
nonicknameforyou
This app is good but, the budget function available on the previous version is gone, you can only track your money but can’t do active budgeting.
Developer Response
Thank you for letting us know about your concern. We will look into your request.
Bug fixes and performance improvements.
Version 3.11.6
The developer, Capitec Bank Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Capitec Bank Limited
Size
206.1 MB
Category
Finance
Compatibility
Requires iOS 13.0 or later.
iPhone Requires iOS 13.0 or later.
iPod touch Requires iOS 13.0 or later.
Languages
English
Age Rating
18+
18+
This app has an age rating of 18+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
