How To Use Capitec Mobile Banking – Mobile banking has revolutionized how South Africans manage their finances, offering convenience, speed, and security at your fingertips. Capitec Bank, one of the most innovative financial institutions in South Africa, provides a comprehensive mobile banking service that enables clients to bank on the go — without the need to visit a branch.
In this guide, we provide a comprehensive, user-friendly overview of Capitec Mobile Banking, detailing how to get started, what features are available, and how to use the service safely and effectively.
Benefits Of Using Capitec Mobile Banking
Capitec’s mobile banking platform is built around customer-centric innovation. The benefits include:
- 24/7 Banking Access: Check balances, transfer money, or pay bills anytime, anywhere.
- Cost-Effective: Mobile banking is cheaper than ATM or branch transactions.
- Instant Transactions: Real-time transfers and updates.
- User-Friendly Interface: Easy to use even for first-time users.
- Secure and Private: Multiple layers of security, including biometric login.
Mobile Banking Options
Capitec offers three primary channels for mobile banking:
- Cellphone Banking (USSD-based)
- Mobile Banking App
- Internet Banking
Each channel caters to different customer preferences and connectivity situations.
Cellphone Banking App
The Capitec Mobile App is the most popular and feature-rich platform. It is available for download on Android and iOS devices and allows full access to banking features in a secure environment.
Mobile Banking vs Internet Banking
| Feature | Mobile App | Internet Banking |
| Platform | Smartphone | Desktop / Web Browser |
| Login Security | Biometric or PIN | Remote PIN and Device Recognition |
| Speed | High | Moderate |
| Functionality | Full Banking Suite | Full Banking Suite |
| Internet Required | Yes | Yes |
| Device Dependency | Mobile Device | Any Internet-Connected Computer |
Both platforms offer a complementary experience, allowing you to manage your account across devices.
Cellphone Banking (USSD)
Capitec’s USSD banking (1203279#) allows users with no smartphone or data access to perform essential banking tasks.
Available Features:
- Balance inquiry
- Airtime and electricity purchase
- Transfer to own or registered beneficiaries
- Mini statements
What Can You Do On The Capitec Mobile App?
The app goes beyond basic banking. With it, you can:
- Check your account balance instantly
- View transaction history
- Make immediate payments
- Buy airtime, data, or electricity
- Pay municipal bills or DSTV
- Open fixed or flexible savings plans
- Apply for credit and view your loan balances
- Block or stop lost/stolen cards
- Update your personal details
- Create virtual cards for safer online shopping
How To Register For Mobile Banking
- Visit a Capitec Branch with your valid ID and bank card.
- Verify your identity through biometrics and PIN.
- The bank will link your mobile number and assist in installing the app.
- Download the Capitec Mobile Banking App from the Play Store or App Store.
- Use your Remote PIN to sign in and activate the app.
Alternatively, you can activate mobile banking during the account opening process.
How Long Does Each Transaction Session Last?
Each mobile banking session lasts approximately 5 minutes. If you’re inactive for a period, the session ends to protect your information and prevent unauthorized access.
Why Has The Session Stopped Responding?
A session may stop due to:
- Inactivity exceeding time limits
- Poor internet connection
- Exceeding daily usage limits
- System maintenance or updates
In such cases, simply restart the app or retry after a few minutes.
Is Mobile Banking Secure?
Capitec prioritizes user security by implementing:
- Remote PIN access
- Fingerprint or facial recognition
- End-to-end encryption
- App lockouts after multiple failed attempts
- Option to disable the app remotely
Never share your PIN or login credentials with anyone, and only use the official Capitec app from verified sources.
What To Do If Your Cellphone Is Lost or Stolen
- Immediately call Capitec at 0860 10 20 43 to block mobile access.
- Request a SIM swap if your number was linked to the account.
- On your new device, reinstall the app and activate it securely.
Quick action can prevent fraud or unauthorized access.
How To Change Your PIN?
Changing your Remote PIN is simple:
- Log into the Capitec app.
- Go to “Settings”.
- Tap on “Remote PIN”.
- Enter your existing PIN.
- Choose and confirm your new PIN.
Always choose a strong PIN that’s hard to guess.
Can You Access Mobile Banking On Someone Else’s Phone?
While technically possible, this is not recommended due to security concerns. Your banking app stores encrypted data that should remain private. Always access your account from a trusted and secure device.
Daily Transaction Limits
Capitec mobile banking has limits in place to reduce fraud:
| Transaction Type | Limit |
| Daily Transfer Limit | R100,000 (with full verification) |
| Airtime/Data Purchase | R500 per day |
| Daily Card Spend | R50,000 |
Limits can be customized in the app for added flexibility.
Can You Use Mobile Banking While In Another Country?
Yes, Capitec mobile banking works internationally as long as:
- You have data or Wi-Fi access.
- Your SIM card is active and not blocked.
- You are not using a VPN or restricted network.
Ensure international roaming is enabled for USSD services if needed.
What To Do If Your Mobile Banking Is Blocked
Mobile banking may be blocked after multiple failed logins or suspicious activity. To regain access:
- Visit the nearest Capitec branch for biometric verification.
- Bring your ID and bank card.
- Request mobile banking reactivation.
- Set a new Remote PIN.
This ensures account safety in case of suspected fraud.
Conclusion
Capitec Mobile Banking offers a robust, secure, and convenient way to manage your finances without setting foot in a bank. From instant payments to savings, airtime, and international access, this platform brings everything to your fingertips. With the added security of biometric logins and the ease of managing accounts remotely, Capitec stands out as one of South Africa’s most forward-thinking banks.
Whether you’re in the city or a rural area, Capitec Mobile Banking ensures your money is always within reach — safely and efficiently.
Frequently Asked Questions
How Do I Use Capitec Mobile Banking App?
Download the Capitec App, log in with your Remote PIN, and access a full suite of banking services including payments, transfers, and airtime purchases.
Can I Use Mobile Banking Without Data?
Only the USSD version (1203279#) works without data. The mobile app requires an internet connection.
What Is Capitec Remote PIN?
A 5-digit PIN used to authenticate your identity on the Capitec App and during remote transactions.
Can I Receive International Transfers via the App?
Yes. You can receive international money through partners like WorldRemit or MoneyGram, and the funds reflect directly in your account.
How Do I Report Fraudulent Activity?
Contact Capitec immediately at 0860 10 20 43 or visit a branch to block access and investigate.