Capitec banking

Why visit a branch when you can bank from home, work or wherever your laptop takes you? With Internet banking, you get simplified banking when it suits you.


Internet banking

We offer secure, easy-to-use Internet banking to save you money with no monthly subscription fee. Sign in now.

Access your main savings account, savings plans or credit facility when it suits you:

  • Transfer money between your accounts
  • Do payments (people or accounts)
  • Buy airtime, data and SMS bundles (for yourself or a friend)
  • Buy electricity (for yourself or a friend)
  • View your last electricity tokens purchased
  • Add beneficiaries
  • Add recurring (stop orders) or future-dated payments
  • Add recurring (stop orders) or future-dated transfers
  • Do credit facility transfers
  • Stop lost or stolen cards immediately
  • Update your daily card limits
  • Save and verify your email address for added security
  • View or download statements
  • View or download tax interest certificates
  • View your transaction and payment history
  • Register and maintain your SMS Update settings

Rates and fees

Loan amount (R)25 00050 000100 000250 000
Term (months)12244884
Interest rate (%)12.90 – 24.5012.90 – 24.514.20 – 24.5016.30 – 22.40
Credit life insurance R/1000 per month4.00 – 4.504.00 – 4.504.00 – 4.504.00 – 4.50
Monthly service fee69696969
Once-off initiation fee (R)1 207.501 207.501 207.501 207.50
Monthly repayment (R)2 468 – 2 6232 618 – 29303 095 – 3 7075 815 – 6 884
Total repayment (R)29 616- 31 47162 834- 70 308148 566 – 177 945488 454 – 578 254

Please note that these are examples only. You can choose any term for your loan (up to 84 months) to make your monthly repayments more affordable. Your actual credit amount and credit interest rate will be based on your individual credit profile and affordability.


Credit card rates and fees

  • Initiation fee: R100
  • Monthly fee: R40
  • Interest rate: 7.00% – 17.50% (based on your credit profile)

Access facility rates and fees

  • Initiation fee: up to R300
  • Monthly fee: R0 (without active balance owing) R69 (with active balance owing)
  • Interest rate: 12.15% – 17.50% (based on your credit profile)