2023 fees

transact
Free digital
payments
• Online card purchases
• Scan to pay
• Pay me
• Apple Pay
• Samsung Pay
• Google Pay
Monthly administration fee
Global One (minimum account balance of R30 in main savings account) 7.00 Valid from 1 March 2023

Credit card 50.00

Digital

Choose the best way to transact App/Internet *120*3279#1 Card Branch

Purchases
Purchase at local/international Mastercard® card machine3,6,8,10,13 – – FREE –

Purchase online/scan to pay/telephone/Apple Pay/Samsung Pay/Google Pay3,6,7,8,13 – – FREE –

International processing fee13 – – 2.00 –

Airtime/data/SMS bundles/electricity 0.50 0.50 FREE –

Airtime (other bank ATM) – – 8.00 –

Pay bills/vouchers/LOTTO 1.00 1.00 – –

Capitec Pay 1.00 – – –

Transfers/payments

R7
Transfer between own accounts FREE FREE FREE (ATM) FREE

Early release: fixed-term savings 9

– – 9.50 (ATM) –

Early release: tax-free savings9 – – 9.50 (ATM) 300.00 One monthly

Payment to Capitec client (with verified cellphone number) 1.00 1.00 5.00 (SST) – admin fee for all
Payment to Capitec client (with account number) 1.00 – 5.00 (SST) 10.00
savings accounts

Payment received from Mastercard MoneySend ®

– – 1.00 –

NEW
Payment to other bank 2.00 – 5.00 (SST) 10.00

Immediate payment to other bank 7.50 – 7.50 (SST) –

Send cash (R40 – R1 000) 11,12

9.50 (APP) 9.50 – –
digital solutions
Send cash (R1 010 – R3 000)11,12 16.00 (APP) – – – • Capitec Connect
• Capitec Pay
Stop orders
• Pay Bills
Add, amend or cancel recurring payment (stop order) FREE – 5.00 (SST) 10.00
• Vouchers
Recurring payment (to own account) FREE – FREE (SST) FREE • LOTTO
Recurring payment (stop order) to other Capitec account 1.00 – 1.00 (SST) 1.00 • Apple Pay
• Samsung Pay
Recurring payment (stop order) to other bank 2.00 – 2.00 (SST) 2.00 • Google Pay
Manage debit orders
DebiCheck authentication 1.00 1.00 5.00 (SST) 10.00

FREE
Printed DebiCheck list – – – 10.00

Stop debit order 10.00 – 10.00 (SST) 10.00

digital transactions
Cash withdrawals
• In-app Money In/
PnP/Shoprite/Checkers/Boxer tillpoint 4
– – 1.75 –
Money Out
Capitec ATM – – 9.50 per 1 000.00 – notifications
Local other bank ATM – – 10.50 per 1 000.00 – • Transfer between
own accounts
International Mastercard® ATM3,4,6,8,10 – – 80.00 – • Statements
International Mastercard® card machine3,4,6,8,10 – – 9.00 – • Change PIN
• Lost/stolen card
Statements (1 – 3 months) • Proof of account
Main savings account FREE FREE 4.00 (ATM/SST) 16.00

Flexible savings/tax-free savings FREE FREE 4.00 (ATM/SST) 16.00

Fixed-term savings/tax-free savings FREE – FREE (ATM/SST) FREE

Credit card statement (first statement free) FREE FREE – 16.00

self
service
Credit card transaction history FREE – 4.00 (ATM/SST) 16.00

Balance enquiries
Capitec FREE FREE FREE FREE in branch (SST)
Local other bank card machine – – 0.40 –
get
International Mastercard® card machine6,10 – – 3.00 – documents
Local other bank ATM – – 8.00 –

International Mastercard ATM

® 6,10
– – 9.00 – stop card
Declined transactions (insufficient funds, exceeds card limit)
Capitec card machine/Capitec ATM – – FREE –
debit
Local other bank card machine/online/scan to pay/telephone – – 0.40 –
orders
International Mastercard® card machine/online/scan to pay/telephone6,10 – – 3.00 –
pay
Local other bank ATM – – 8.00 –
someone
International Mastercard® ATM6,10 – – 11.00 –

Security update
Stop lost/stolen card FREE FREE FREE (SST) FREE limits
Replacement/supplementary card – – – 70.00
PIN change FREE FREE FREE (ATM) FREE unlock
PIN reset – – – 10.00 fixed-term
Internet banking token on keyring/replacement token on keyring – – – 120.00 savings
Money In/Money Out notifications (R)
In-app FREE
SMS 0.30

Send payment notifications

Email FREE
SMS 0.30

Send account details

Email FREE
SMS 0.30

Deposits
Cash for loan repayment FREE
Notes (cash-accepting ATM) 1.40 per 100.00
Notes (branch) 4.00 per 100.00
Coins (branch/coin deposit machine) 15.00 per 100.00
Incoming international payment in rand or foreign currency4,5 50.00
Exchange Control Application fee4,5 1 000.00

Card delivery
Card delivery FREE
Cancellation of card delivery 150.00

1
Your service provider will charge a fee for network access
2
Includes Client Care Centre transactions
3
Limited to travel-related transactions in terms of Section B16 of the Exchange
Control Rulings 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
Card-not-present transactions limited to R50 000 per international transaction,
up to your daily limit, in terms of Section B16 of the Exchange Control Rulings of
the South African Reserve Bank
8
See our website for more info on direct currency conversion
9
An early release Capitec ATM transfer can only be done from a multiple deposit
fixed-term or tax-free savings account with a balance of less than R10 000
10
Get cash from any international ATM and purchase at any international card
machine with the Mastercard® logo
11
Remote banking app limits for sending cash: R3 000 per transaction,
R5 000 per day, R24 990 per month
12
Mobile banking (*120*3279#) limits for sending cash: R1 000 per transaction,
R1 000 per day, R24 990 per month
13
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. This includes the
account status enquiry when an international merchant loads your card for payments
Disputed transactions (R)
Disputed debit order: last 40 days (app) 5.00
Disputed debit order: last 40 days (branch) 50.00
Disputed debit order: last 40 days (SST) 25.00
Disputed debit order: after 40 days (branch) 80.00
Disputed debit order: after 40 days (SST) 40.00
Disputed DebiCheck: last 12 months (branch) 50.00
Disputed DebiCheck: last 12 months (SST) 25.00
Reversal of payment request to Capitec account (last 40 days) 7.00
Reversal of payment request to other bank account (last 40 days) 160.00
Local/international card machine/online/scan to pay/telephone purchase
80.00
(unsuccessful dispute, last 60 days)

Other
Fix savings account (app/internet/branch) FREE
Card limit update (app/internet) FREE
Card limit update (branch)2 10.00
Card limit update (SST) 5.00
Debit order 3.50
Returned debit order: DebiCheck (insufficient funds) FREE
Returned debit order: EFT (insufficient funds) 7.00
Close account (branch) 10.00
18594 Transact Flyer

capitecbank.co.za 067 418 9565 0860 10 20 43

Conditions apply. Fees include VAT.

All information correct at time of going to print, 27/01/2023, and 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