Capitec Bank vs Zeam

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

ZEAM is more than just a financial ecosystem. It's a community that values and includes everyone, providing access to essential financial tools and ensuring unmatched value for all our users. We're here to support you on your financial journey, no matter where you are or what your needs may be. Our pioneering transactional system integrates deep compliance, detailed data capturing, and distributed financial operations at minimal to zero costs. Pay casual workers ZEAM is perfect for employers who have casual workers without bank accounts. Employers can pay workers quickly, while workers can request and receive payments via QR codes or invoice links. It's fast, convenient, and hassle-free. Shop groceries Shop for groceries hassle-free with your ZEAM wallet at participating local and international supermarkets. With our expanding network of supermarket partners across Africa, you can buy in-store or online, whether it's for yourself or your family back home. Buy services Simplify your life by effortlessly purchasing airtime and essential services online for yourself or your loved ones back home. Stay connected and provide support with just a few taps, ensuring everyone stays in touch and cared for. With this convenient service, you can streamline your responsibilities while keeping your family close, no matter where they are. Send money home With ZEAM, sending money across borders is not only simple but also incredibly affordable. Our transparent fee structure and super-low commissions ensure that you save more money with every transfer. You'll always know where your money is going, giving you the confidence and security you need to manage your finances effectively.