Capitec operates as a retail bank for individuals and businesses, but does not provide business banking for close corporations, companies, partnerships or trusts. It claims to focus on simplifying the banking experience. The bank has over 668 retail branches nationwide, 3418 own or partnership ATMs and has over 6.2 million customers.
Capitec branches are conveniently located nationwide near main commuter routes and in shopping malls. You can use their branch locator to find your nearest branch.
Capitec’s generic branch code is 470010 and this can be used for online banking as well as branch transactions.
Their trading hours are generally from 8AM – 6PM on Mondays to Fridays, and 8Am – 3PM on Saturdays. On Sundays they are open from 9AM until 1PM.
They offer a home loan up to R5 million over 240 months with SA Home loans. Visit any of their Gauteng branches or selected KwaZulu-Natal and Western Cape branches and speak to a service consultant.
For vehicles and anything else for that matter, they offer unsecured credit up to R250 000 over 84 months. This means that you do not need to use assets (like a house) to get the money. You can use this credit for anything you choose. It’s your decision as to how you spend this money – home renovations, a new car, education or anything else without any asset as security.
Is your money safe?
Card transactions can only be done with your Global One card and PIN. All branch transactions require your card and PIN, with fingerprint biometrics and photographic identification as additional security measures. Biometrics also enables us to track all transactions by service consultants, which ensures that only you can access your accounts and money. Our Mobile and Internet Banking services for registered users also include security measures to keep your money safe.