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Capitec Bank

A retail bank widely used for transactional accounts. Confirm current registration on the SARB list.

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About Capitec Bank

A retail bank widely used for transactional accounts. Confirm current registration on the SARB list.

Capitec Bank is listed on WiT Money where a published comparison uses this name. The products sit in these directories: Banks, Credit providers, Home loan providers.

The linked comparisons are Business bank accounts, Personal loans, Debt consolidation, Bad credit loans, Home loans, Home improvement loans, Credit cards, Savings accounts, Notice accounts, Fixed deposits.

The source material names Capitec Bank Limited. That wording was not re-checked against a register, and the brand on a page can differ from the company on a contract.

A profile is not an endorsement, a rating or a promise that a product is suitable. Registration of a firm does not set the terms of a particular account, policy or investment, and it does not mean the product is free from loss.

Legal name in the source material. Capitec Bank Limited

Products and services on WiT Money

These are the published WiT Money records for this name. A company in a large group is not assumed to offer every product sold under a similar brand.

Business bank accounts

  • Business Banking for Companies

    Business transactional banking and dedicated support

    R50 a month, recorded as the published base account fee. Transaction charges are not included.

    View the comparison

Personal loans

  • Mainstream personal loan

    SA ID; payslip and/or salary-deposit statements; affordability

    Personalised; from 12.50% p.a. (product page). Initiation: R1,207.50 in representative example. Service fee: R69 in example.

    View the comparison

Debt consolidation

  • Personal Loan for Debt Consolidation

    Income and affordability verification

    Personalised, minimum advertised 12.5% p.a. for product. Initiation: Example R1,207.50. Service fee: Example R69/month.

    View the comparison

Bad credit loans

  • Personal Loan (credit-profile assessed)

    Credit profile and affordability assessed

    Personalised; advertised minimum 12.5% p.a.. Initiation: Example initiation R1,207.50. Service fee: Example R69/month.

    View the comparison

Home loans

  • Capitec Home Loans

    Capitec states SA Home Loans/managed lender contracts with borrower

    Personalised. Legal, bond and product fees per credit agreement

    View the comparison

Home improvement loans

  • Home Improvement Loan

    Quote/invoice from participating building retailer; paid directly

    From prime, profile dependent. Check initiation/service charges, other charges and full quote

    View the comparison

Credit cards

  • Capitec Credit Card

    Subject to credit and affordability assessments

    R50 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

Savings accounts

Notice accounts

Fixed deposits

Published product details

  • Business transactional banking and dedicated support
  • SA ID; payslip and/or salary-deposit statements; affordability
  • Income and affordability verification
  • Credit profile and affordability assessed
  • Capitec states SA Home Loans/managed lender contracts with borrower
  • Quote/invoice from participating building retailer; paid directly
  • Subject to credit and affordability assessments
  • Bank deposit

Advantages and considerations

These points come from individual product records. They are not a general review of the company.

Recorded strengths

  • Business Banking for Companies. Published simple monthly price
  • Mainstream personal loan. High maximum
  • Mainstream personal loan. 12–84 month terms
  • Personal Loan for Debt Consolidation. Can use personal loan to consolidate
  • Personal Loan for Debt Consolidation. app-based journey
  • Personal Loan (credit-profile assessed). Established published loan product
  • Personal Loan (credit-profile assessed). personalised assessment
  • Capitec Home Loans. Access through Capitec channel

Recorded limits

  • Business Banking for Companies. Transaction and advanced service fees need checking
  • Mainstream personal loan. Personalised rate
  • Mainstream personal loan. initiation/service/insurance costs
  • Personal Loan for Debt Consolidation. Not a separately evidenced consolidation tariff
  • Personal Loan for Debt Consolidation. insurance and fees affect true cost
  • Personal Loan (credit-profile assessed). No promise of acceptance with adverse credit
  • Personal Loan (credit-profile assessed). missing verified bad-credit eligibility
  • Capitec Home Loans. Capitec is not the contracting lender

Fees and costs

  • R50 a month, recorded as the published base account fee. Transaction charges are not included.
  • Personalised; from 12.50% p.a. (product page). Initiation: R1,207.50 in representative example. Service fee: R69 in example.
  • Personalised, minimum advertised 12.5% p.a. for product. Initiation: Example R1,207.50. Service fee: Example R69/month.
  • Personalised; advertised minimum 12.5% p.a.. Initiation: Example initiation R1,207.50. Service fee: Example R69/month.
  • Personalised. Legal, bond and product fees per credit agreement
  • From prime, profile dependent. Check initiation/service charges, other charges and full quote

A missing fee is not shown as R0. Where no figure is published, the price has to come from the provider.

Regulatory information

  • SARB/PA member bank; confirm entity
  • A registration number was claimed in the source material. It was not re-checked on the NCR register, so the number is not shown.
  • Published base account/card fee only; 2026 price guide and all variable fees require checking
  • Published rate varies by loan amount; do not treat minimum as offer.
  • Capitec explicitly mentions consolidating existing loans.
  • DO NOT advertise as 'bad credit loans approved'.
  • Originated by Capitec; underlying creditor managed by SA Home Loans
  • Direct consumer credit; retailer-directed

An authorisation, where one exists, is for particular activities. It is not an endorsement by the regulator, and it does not mean a product is suitable.

Compare Capitec Bank on WiT Money

Sources and how this profile was reviewed

Research dates on the underlying records run to 29 October 2026. Rebuilding this page did not re-check every register entry.