# Capitec Bank — Simplify banking, live better. > Mobile banking app for account management, payments, savings, credit, and insurance. (iPhone/iPad app by Capitec Bank Limited.) - Source: https://appshunter.io/ios/app/capitec-bank/id1217842108 (this page in markdown: same URL + `.md`) - Developer: [Capitec Bank Limited](https://appshunter.io/developer/464591344) - Category: Finance - Price: Free - Rating: 1.00/5 from 1 App Store ratings · 107 written reviews indexed - Age rating: 17+ - Requires: iOS 13.0 · 197 MB - Languages: English - Released: 2019-10-20 - Data updated: 2026-09-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/capitec-bank/id1217842108/reviews.md ## What is Capitec Bank? 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 ## Key features - 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 ## Recent user reviews (10 of 107) All indexed reviews: https://appshunter.io/ios/app/capitec-bank/id1217842108/reviews.md ### 1/5 — Delete re-install *2026-07-17, version 3.11.10* 3rd time I had to delete and re-install the app to use it. Shocking for 2026 ### 1/5 — Vile scum *2026-07-03, version 3.11.7* Endless, grossly excessive charges. Sub human filth- That is capitec. ### 1/5 — Bad update *2026-06-07, version 3.11.5* 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! ### 2/5 — Pretty broken and poor ui *2026-05-11, version 3.11.5* 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. ### 4/5 — Dark mode *2026-04-25, version 3.11.4* Needs dark mode ### 1/5 — Invest in the core experience please *2026-03-03, version 3.10.2* Honestly this app is a chore to use. Please get the basics right before adding new features. It’s at the point now where I’m opening accounts elsewhere ### 3/5 — 18+ Rating for what? *2026-02-17, version 3.10.1* 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. ### 2/5 — Outdated design and UX *2025-12-09, version 3.8.14* Please rework the app experience, it looks like it was designed 20 years ago. The UX is frustrating and often ambiguous ### 1/5 — Support is sub par *2025-12-02, version 3.8.14* Process failing , keep logging support ticket but nothing has happened (repeated action over 4 weeks ) ….. ### 5/5 — Lufuno Matshidza *2025-11-22, version 3.8.14* I love banking with Capitec because their pricing and communication tend to be clear, which makes the bank feel more accessible. My favourite features is customize my home screen. You can hide your balance from view, or set up shortcuts to your favorite actions. Capitec make festive shopping smoother because you can just scan and pay everywhere you go. I highly recommend Capitec,monthly administration fee is quite low. ## Frequently asked questions about Capitec Bank ### 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. ## Version history (last 5 releases) ### 3.11.10 — 2026-07-07 Bug fixes and improvements. ### 3.11.7 — 2026-06-29 Bug fixes and improvements ### 3.11.6 — 2026-06-15 Bug fixes and performance improvements. ### 3.11.5 — 2026-05-04 Bug fixes and performance improvements. ### 3.11.3 — 2026-04-09 Bug fixes and performance improvements. ## Apps similar to Capitec Bank | App | Rating | Price | Category | | --- | --- | --- | --- | | [Standard Bank / Stanbic Bank](https://appshunter.io/ios/app/standard-bank-stanbic-bank/id528239110) | 4.7 (5,523) | Free | Finance | | [Discovery Bank](https://appshunter.io/ios/app/discovery-bank/id1451167079) | 4.8 (2,195) | Free | Finance | | [Nedbank Money (Africa)](https://appshunter.io/ios/app/nedbank-money-africa/id1461459554) | 3.0 (1) | Free | Finance | | [Online Banking for Business](https://appshunter.io/ios/app/online-banking-for-business/id1609250113) | 1.0 (1) | Free | Finance | | [African Bank](https://appshunter.io/ios/app/african-bank/id1357204405) | 3.9 (7) | Free | Finance | | [Nedbank Money](https://appshunter.io/ios/app/nedbank-money/id1260981758) | 4.4 (1,830) | Free | Finance | ## Related topics [tymebank](https://appshunter.io/ios/topics/tymebank) · [african bank business](https://appshunter.io/ios/topics/african-bank-business) · [african bank](https://appshunter.io/ios/topics/african-bank) · [absa bank](https://appshunter.io/ios/topics/absa-bank) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*