Capitec Bank Fees
No one likes paying bank fees, so we do what we can to keep ours as low as possible. And we don’t do hidden costs. Ever! The fees below are effective as of 1 April 2018.
Transaction fees (R)
Credit card – One monthly administration fee 35.00
Debit card – One monthly administration fee 5.80
Minimum account balance25.00
Access
Activation/Monthly subscription (app/Internet, *120*3279#1, card)FREE
Security
Internet banking token on keyring (Internet)80.70
Replacement internet banking token on keyring (Internet)80.70
Replacement/Supplementary card (branch2)60.53
PIN change (app/Internet, *120*3279#1, Capitec Bank ATM, branch2)FREE
PIN reset (branch2)5.35
Stop card (app/Internet, branch2)FREE
Stop orders
Add, amend or cancel recurring payment (stop order)(app/internet)FREE
(branch2)5.35Recurring payment (stop order)(app/internet)1.60
(branch2)5.35
Debit orders
DebiCheck authentication10
(app/Internet,*120*3279#1)1.61
CardFREE
Branch25.35
Printed DebiCheck list5.35
Stop debit order (app,branch2)5.35
Transfers/Payments
Transfer between own accounts (app/Internet, *120*3279#1, Capitec Bank ATM, branch2)FREE
Early release: fixed-term savings (Capitec Bank ATM)95.35
Early release: tax-free savings9
Capitec Bank ATM5.35
Branch2300.00
Payment to other bank/Capitec Bank account
app/Internet *120*3279#11.60
Branch25.35
Payment to other bank (immediate)10.00
Payment to Capitec Bank client (with verified cellphone number )(app/Internet, *120*3279#1) 1.60
Payment received from MoneySend 1.61
Purchases
Purchase at local card machineFREE
Purchase at international Mastercard machine3,6,8,11FREE
Purchase online/telephone/mail6,7 (card)FREEAirtime/Data/SMS bundles & electricity (app/Internet, card)FREE
Airtime/Electricity (*120*3279#1)FREEAirtime (other bank ATM)5.55
Cash Withdrawals (fixed fees4)
PnP/Shoprite/Checkers/Boxer tillpoint1.61
Capitec Bank ATM6.56Other bank ATM8.83
International Mastercard® ATM3,6,8,1155.48
International Mastercard® card machine3,6,8,117.06
Statements
Transaction/Savings account statement
app/Internet FREE
Capitec Bank ATM 2.52
Branch27.57
Flexible savings plan statement
app/InternetFREE
Capitec Bank ATM2.52
Branch27.57
Fixed-term savings plan statement
app/InternetFREE
Capitec Bank ATMFREE
Branch2FREE
Tax-free savings plan statement
app/InternetFREE
Capitec Bank ATMFREE
Branch2FREE
Credit card statement (first statement free)
app/InternetFREE
Branch27.57Credit card transaction historyapp/InternetFREECapitec Bank ATM2.52
Branch27.57
Balance Enquiries
Balance enquiry
Capitec Bank (app/Internet, *120*3279#1, card, branch2)FREE
Local card machineFREE
Other bank ATM5.55
International Mastercard® ATM/card machine6,117.06
Declined Transactions (insufficient funds)
Card machine purchaseFREECapitec Bank ATMFREEOther bank ATM5.55
International Mastercard® ATM/card machine6 7.06
Notifications
RegistrationFREE
Send account details
SMS0.40EmailFREE
Payment notification
SMS0.40EmailFREEFax1.61SMS update0.40
Deposits
Salary chequeFREENon-salary cheque40.35Cash for loan repaymentFREE
Notes (cash-accepting ATM)96c per R100
Notes/Coins (branch2)R2.27 per R100Special clearance cheque100.88Returned cheque deposit131.14
Incoming international payment in rand (fixed fee)5100.88
Incoming international payment in foreign currency5100.88
Disputed Transactions
Disputed debit order: last 40 days (app)20.18
Disputed debit order: last 40 days (branch2)40.35
Disputed debit order: after 40 days (branch2)80.70
Disputed Debicheck: last 12 months (app)20.18
Disputed Debicheck: last 12 months (branch2)40.35Late recall of transfer to Capitec Bank account5.35Late recall of transfer to other bank account131.14
Local card machine purchase (unsuccessful dispute)55.48
International Mastercard® card machine purchase (unsuccessful dispute)131.14
Other
Card limit update (app/Internet)FREE
Card limit update (branch2)5.35
Fix savings accountFREE
Close account (branch)5.35Debit order3.73Returned debit order (insufficient funds)5.55