how to send money with capitec


Capitec is a South African bank that offers a simple and convenient way to send money to recipients within South Africa. With Capitec, you can send money to friends, family, or suppliers with ease. In this article, we will guide you on how to send money using Capitec, ensuring a smooth and hassle-free process.

Registering for Mobile Banking

The first step to sending money with Capitec is to register for mobile banking. You can do this by visiting your nearest Capitec branch and providing the necessary documentation, such as your ID or passport, proof of residence, and proof of employment or income.

Once registered, you will receive a unique client number and a secret Remote PIN (R-PIN) that you will use to access and manage your Capitec Mobile Banking.

how to send money with capitec

Downloading the Capitec App

After registering for mobile banking, download the Capitec app onto your smartphone from the App Store or Google Play Store. Install the app and log in using your client number and R-PIN.

Adding Beneficiaries

Before you can send money, you need to add the recipient, also known as the beneficiary, to your account. To do this:

  1. Open the Capitec app on your smartphone.
  2. Select “Transact” from the menu options.
  3. Choose “Send cash” and then “Once-off” or “Favourites” depending on whether you want to send money to a new recipient or someone you frequently transfer funds to.
  4. Enter the recipient’s details, such as their full name and mobile number.
  5. Confirm the details are correct and add the beneficiary to your list.

Sending Money

Now that you’ve added the beneficiary, you’re ready to send money using Capitec. Here’s how:

  1. Open the Capitec app on your smartphone.
  2. Select “Transact” from the menu options.
  3. Choose “Send cash.”
  4. Select the beneficiary from your list of added recipients.
  5. Enter the amount you wish to send.
  6. Review the transaction details and confirm.
  7. Enter your secret Mobile Banking PIN to authorize the transaction.
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Receiving Money

If someone sends you money through Capitec, you will receive an SMS notification with a unique withdrawal code. You can use this code to withdraw the funds at any Capitec ATM. Simply follow these steps:

  1. Visit a Capitec ATM.
  2. Insert your Capitec card and enter your PIN.
  3. Select “Cashsend Withdrawal” from the menu.
  4. Enter the unique withdrawal code received via SMS.
  5. Collect your cash.


Sending money with Capitec is a straightforward process that can be done using their mobile banking app. By following the steps outlined in this article, you can easily send money to your beneficiaries within South Africa. Capitec’s user-friendly interface and secure platform make money transfers quick and convenient. Get started with Capitec today and experience hassle-free money transfers.

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