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Capitec Bank

Capitec Bank

Simplify banking, live better.

14 ratings
108 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • October 20, 2019
  • October 6, 2026

Features

Developer

Capitec Bank Limited
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About

Manage your finances with a secure and easy-to-use mobile banking app. Open accounts, make payments, send money, and manage savings and credit. Offers insurance and affordable mobile plans.

✓Open accounts with selfie and ID
✓Secure biometric login and fraud alerts
✓Instant bill payments and cash transfers
✓Manage card limits and contactless payments
✓Open and manage multiple savings plans
✓Apply for loans and credit
✓Purchase prepaid airtime and data
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What's New in Capitec Bank

3.12.5

October 6, 2026

Bug fixes and improvements.

User reviews

Most RecentHighest RatedLowest Rated

Lotto no longer on app

Please check lotto no longer available on app after the last update I am using IOS 18
shiraaz motanshiraaz motan

Response from developer

Hi Shiraaz. We're genuinely sorry to hear about your experience. We take all feedback to heart and are eager to understand and address your concerns. Could you please reach out to us on our official WhatsApp number at 067 418 9565? We'd appreciate the opportunity to assist you further.

Delete re-install

3rd time I had to delete and re-install the app to use it. Shocking for 2026
JuandeswardtJuandeswardt

Response from developer

Hello Juandeswardt. That sounds like a bit of a challenge – the good news is, we're here to help you through this frustrating situation. Please reach out to us on WhatsApp at 067 418 9565, type 'chat to an agent', and we'll look into this for you and help resolve it.

Vile scum

Endless, grossly excessive charges. Sub human filth- That is capitec.
threverthrever

Response from developer

Hello threver. We’ve seen your 1-star review, and ouch indeed - that’s not what we’re striving for. Please share your experience with us on Instagram, X, or Facebook. We’re eager to listen, learn, and figure out how to transform that 1-star experience into a 5-star one.

Bad update

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!
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Very unhappy Capitec youthVery unhappy Capitec youth

Pretty broken and poor ui

The UI is confusing and slow, and strange limits like only 6 favourites on the home page. Phone number verification reliably fails - with a cryptic message about being unable to “read my phone number” after getting a valid confirmation on WhatsApp. This feels like one of those low code no code apps developed by an ISV not by a cutting edge bank … I didn’t think I would say this but ABSA has a better app experience.
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ColtonCatColtonCat
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FAQ

What can I do with the Capitec app?

The app allows you to open accounts, manage your cards, make payments, send cash, buy prepaid services, manage savings plans, apply for credit, and get insurance estimates. It also offers business banking features for small businesses.

Is the Capitec app secure?

Yes, the app prioritizes security with features like biometric login, encrypted data, fraud alerts, and the ability to manage contactless card transactions. You can also stop lost or stolen cards immediately and utilize extra security features like In-app Call Verification and Contact Lock.

How do I open an account with the app?

You can open an account directly through the app using just your selfie and ID. You can then choose to have your card delivered for a fee or collect it for free.

Can I use the app for international payments?

Yes, the app supports making Cross-Border Money Transfers and International Payments. You can also use Capitec Pay to shop online securely without needing to share your card details.

What are the costs associated with using the app?

The app itself is free to use, and you can enjoy zero data charges on most major South African networks. Some services, like card delivery, may incur a fee. The app also highlights how its smart tech can help you save on fees.