Capitec Bank

Capitec Bank is a South African retail bank that provides personal and business banking through online banking and a mobile app for individuals, entrepreneurs, and companies.

Key capabilities include:

• Personal banking for everyday money management, including transacting, saving, insurance cover, and access to credit, plus rewards such as cash back and discounts via the app
• Business banking with support to open a business bank account, with positioning that businesses can save up to 50% on fees
• Payments and transfers in the app, including paying people and accounts, making immediate payments, and using Capitec Pay for checkout use cases (including support for Checkers Sixty60)
• Value-added services and support content, such as booking Intercape bus tickets in-app (with zero booking fees as stated on the site), fraud and scam prevention resources, and a podcast hub and financial education content

Available on Web, Android, iOS, and Desktop.

It targets South African personal banking customers and business banking users, including small businesses and entrepreneurs.

Notable in the local market for combining banking with adjacent consumer services like Capitec Connect prepaid mobile bundles (examples shown include 100 minutes for R25, 2 GB for R35, and 10 GB for R150) and for offering Smart ID applications at selected branches alongside its digital banking experience.