Capitec Bank vs Malaicha

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

We know how hard it can be to get groceries and other goods to your family and friends in Zimbabwe. Malaicha.com is the solution! Buy groceries and goods online in South Africa at affordable prices and send to Zimbabwe NOW. Your loved ones can collect their orders within 24 hours with zero hassle and zero stress. Why use Malaicha.com • Safe to use • Affordable prices • No hidden fees • Guaranteed availability on collection How to start using Malaicha.com 1. Download the Malaicha.com app from the iOS Store. 2. Login with your hellopaisa details. 3. If you’re not a hellopaisa customer, you can self-signup in 3 easy steps • Download the Malaicha.com App from the iOS Store. • Create your account by submitting your information • Upon approval of your account you are READY TO START SHOPPING! How to pay for a Malaicha.com order Simply deposit cash at any of the hellopaisa/Malaicha.com cash-in partners in South Africa.