Capitec Bank Services and Contact Details

Capitec Bank South Africa is one of the locally controlled banks in South Africa and one of the best in Africa. The bank render a lot of valuable services for its clients/customers. Join us as we dive more into the services, branches, contact details, and other important facts about Capitec Bank South Africa.

About Capitec Bank

Capitec Bank is one of South Africa’s fastest-growing banks, known for its innovative approach to making banking simple, affordable, and accessible for all. Founded in 2001, Capitec revolutionized the banking sector by offering low-cost banking solutions tailored to everyday South Africans. The bank’s focus on transparent and easy-to-understand financial services has won it millions of customers across the country, with its “Simplified Banking” ethos resonating strongly among individuals and businesses.

Capitec’s unique model is built on offering value-driven services with no hidden fees, a single Global One account that serves multiple functions, and a strong digital presence to enable customers to manage their finances with ease. This commitment to simplicity and convenience has earned Capitec a reputation as a forward-thinking bank, particularly popular among tech-savvy customers and those seeking financial inclusivity.

Capitec Bank Services

Capitec Bank provides a wide array of services to meet the financial needs of its customers, focusing on affordability and convenience:

Global One Account: The cornerstone of Capitec’s offering is its Global One account, a multi-functional account that allows customers to save, transact, and borrow from a single account. It offers up to four savings plans, competitive interest rates on savings, and the ability to access credit instantly.
Credit and Loans: Capitec offers personal loans, credit facilities, and overdrafts with flexible repayment options. Customers can apply for loans directly from the app, with quick approvals and transparent terms. Capitec’s credit offerings are tailored to suit individual financial needs and come with a focus on responsible lending.
Savings Accounts: Capitec Bank’s savings plans are designed to help customers grow their money with attractive interest rates. The bank allows customers to open up to four fixed-term or flexible savings accounts with no extra charges.
Debit and Credit Cards: Capitec provides Mastercard debit and credit cards, offering customers a secure and convenient way to make payments both locally and internationally. With contactless payment capabilities and access to global shopping, these cards offer flexibility and control.
Digital Banking: Capitec’s mobile app and online banking platform enable customers to manage their accounts from anywhere at any time. Through the app, customers can transfer money, pay bills, buy airtime, and manage their credit. The app also provides features like biometric login for added security.
Payments and Transfers: Capitec facilitates easy payments through EFTs, mobile transfers, and in-store purchases. The bank also supports debit orders and offers instant payment services for quick money transfers to other accounts.
Business Banking: Capitec recently launched business banking solutions to cater to the growing needs of small and medium-sized enterprises (SMEs). These services include business accounts, payment solutions, and affordable transactional banking options for business owners.
Insurance: Capitec offers funeral cover and credit insurance, providing financial security for individuals and their families. These products are easy to apply for and come with flexible terms.

Capitec Bank Branches and Branch Codes

Capitec Bank operates a wide network of branches across South Africa, strategically located to serve urban and rural communities alike. While the bank encourages the use of its digital platforms, its branches remain accessible for customers who prefer in-person banking services. Each Capitec branch uses a universal branch code, making transactions easy and efficient.

Capitec Universal Branch Code: 470010

This single branch code applies to all transactions, ensuring that customers can perform EFTs and other banking activities without needing to locate individual branch codes.

Capitec Bank Swift Code

For international transactions, Capitec Bank utilizes a SWIFT code that allows customers to receive or send funds across borders securely. The SWIFT code is essential for making international payments to or from a Capitec Bank account.

Capitec Bank SWIFT Code: CABLZAJJ

This code is used for receiving international payments into Capitec accounts, ensuring secure and efficient cross-border transactions.

Capitec Bank Contact Details

Capitec Bank offers multiple channels for customers to reach out for assistance, ensuring that queries and issues are resolved promptly. Whether you need help with your account, credit facilities, or digital banking, Capitec provides efficient customer service across several platforms.

Contact Capitec for personal banking 0860 10 20 43, business banking 0860 30 92 50 or WhatsApp 067 418 9565.

Personal banking

Client Care Centre

From questions and queries to compliments and complaints – there’s always a friendly personal banking client care agent waiting to help. Contact personal banking on one of the channels below:

WhatsApp 067 418 9565 (available 24hrs a day)
T 0860 10 20 43 (available 24hrs a day)
E ClientCare@capitecbank.co.za
F +27 21 941 0770

Credit

To apply for personal banking credit or have a query:

Call the bank on:  0860 66 77 89

To get help with your credit repayments:

WhatsApp them on 072 822 1582, SMS your SA ID / foreign passport number to 30679 they’ll call you back or call them directly on 0860 66 77 18.

Lost or stolen personal card

Don’t wait. Immediately stop your personal banking card using one of the easy options below.

Stop your personal banking card on WhatsApp

Add 067 418 9565 as a contact
Refresh your contact list on WhatsApp
Say “Hello” to Capitec Bank
Tap the ‘Main Menu’ button and select the Self-service option
Tap the ‘Options’ button and select the Stop Card option

Business banking

Business banking contact centre:

0113 02 04 00 / 0860 30 92 50 (available 24hrs a day)

Business banking relationship suite:

0860 30 92 50 (Monday – Friday, 6:30am to 7pm; Saturdays, 8am – 12pm)

Business banking client enquiries:

Get in touch

BusinessBanking@capitecbank.co.za

Capitec Bank continues to lead the way in simplifying banking for South Africans, offering accessible, affordable, and customer-friendly financial services. With its focus on innovation, transparency, and digital-first solutions, Capitec empowers its customers to manage their money with ease, whether for savings, loans, or day-to-day banking. Through its Global One account, competitive credit offerings, and robust digital banking platform, Capitec is redefining what it means to bank in South Africa.