Last Updated on September 19, 2025 by admin
Are you looking for convenient and user-friendly banking system for managing your finances on the go as Capitec Bank customers? if yes the bank offer cellphone banking that is Designed to cater for the needs of modern-day banking clients.
This service provides a range of features that make everyday banking simple and efficient. One of the standout features is the ability to check account balances and view recent transactions at any time, giving clients instant access to their financial status.
The platform facilitates easy fund transfers between Capitec accounts or to other banks, ensuring that users can meet their financial obligations swiftly. Account holder’s can buy airtime , bill payments, and data bundle top-ups, which can be crucial for staying connected.
Security is a top priority, with Capitec implementing robust measures such as secure sign-in processes and regular monitoring to protect user data and prevent unauthorized access.
Capitec’s cellphone banking is designed with an intuitive interface, making it accessible even for those new to digital banking. Overall, the service provides customer’s with a flexible and secure way to manage their finances from virtually anywhere.
Read: All Standard Bank Cellphone banking to Transfer money,pay bills and check account balances
Features of Capitec Bank Cellphone banking
Capitec Bank’s cellphone banking offers a wide range of features designed for convenience, security, and accessibility—especially for users without smartphones or internet access. Here’s what you can do with it:
- Buy airtime, data and SMS bundles
- Buy electricity
- View account balances
- View last electricity token purchased
- Do Access Facility transfers
- Pay Capitec clients (with a verified cellphone number)
- Transfer money between your accounts
- Register for SMS Update for added security
- Approve DebiCheck mandates
- Stop your card if lost or stolen
- Switch your card’s tap to pay functionality On or Off
- Send your own account details using SMS or email
- Email statements
- Send cash to friends and family
- View the last 5 transactions
- Do bill payments
- Buy vouchers
- Play Lotto
How To Register For Capitec Cellphone Banking
To register for Capitec Cellphone Banking, you have three convenient options depending on your preference and setup:
- Dial
*120*3279#from your registered phone. - Select “Register” or “Create PIN”.
- Enter your South African ID number and Capitec account number.
- Set and confirm your Mobile Banking PIN.
- If you’re out of airtime, dial
*130*3279#free of charge
Read; All Absa Cellphone banking to Transfer money,pay bills, apply for loan and check account balances
How to Buy airtime, data and SMS bundles with Capitec Cellphone Banking,
You can easily buy airtime, data, and SMS bundles using Capitec Cellphone Banking—even without internet access. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Buy” from the menu.
- Choose between:
- Airtime
- Data
- SMS Bundles
- Select the network provider (e.g., MTN, Vodacom, Telkom, Cell C).
- Choose whether to buy for:
- Your own number
- Another number
- Enter the amount or select a bundle.
- Confirm the transaction.
You’ll receive a confirmation SMS and the airtime or bundle will be loaded immediately.
How to View account balances with Capitec Cellphone Banking,
You can check your Capitec account balance quickly and securely using cellphone banking—no smartphone or internet required. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your 5-digit Mobile Banking PIN.
- Select “View” from the menu.
- Choose “Account Balance”.
- Your current balance will be displayed on the screen.
How to transfer money with Capitec Cellphone Banking
You can transfer money using Capitec Cellphone Banking quickly and securely—no internet or smartphone required. Here’s how to do it:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Transfer” from the menu.
- Choose the account to transfer from (e.g., savings, flexible account).
- Select the recipient:
- Another Capitec account
- Your own linked accounts
- Enter the amount you want to send.
- Confirm the transaction details.
- You’ll receive a confirmation SMS once the transfer is successful.
Read: How to register for First National Bank online banking and mobile App
How to pay bills with Capitec Cellphone Banking
Paying bills with Capitec Cellphone Banking is simple, secure, and doesn’t require internet access. You can settle accounts like DStv, municipal services, and more using USSD. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Transact” from the menu.
- Choose “Payments” or “Pay Bills”.
- Select the type of bill (e.g., DStv, municipality, etc.).
- Enter the reference/account number for the bill.
- Enter the amount you wish to pay.
- Confirm the transaction.
You’ll receive a confirmation SMS once the payment is successful.
How to Stop your card if lost or stolen with Capitec Cellphone Banking
If your Capitec card is lost or stolen, you can block it immediately using cellphone banking to prevent fraud or unauthorized transactions. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Manage” or “Card Options” from the menu.
- Choose “Stop Card”.
- Confirm that you want to block the card.
You’ll receive a confirmation SMS, and the card will be blocked instantly.
How to Switch your card’s tap to pay functionality On or Off with Capitec Cellphone Banking
You can easily switch your Capitec card’s Tap to Pay feature on or off using cellphone banking—no app or internet required. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Manage” from the menu.
- Choose “Card Settings” or “Tap to Pay”.
- Select:
- “Switch On” to enable Tap to Pay
- “Switch Off” to disable it
- Confirm your selection.
You’ll receive a confirmation SMS once the change is applied.
Why Use This Feature?
- Security: Turn it off if you’re concerned about contactless fraud.
- Convenience: Turn it on for faster checkout at stores with contactless terminals.
- Control: You can switch it anytime, 24/7.
How to View last electricity token purchased with Capitec Cellphone Banking
You can easily retrieve your last electricity token using Capitec Cellphone Banking—no internet or app required. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Transact” from the menu.
- Choose “Buy Electricity”.
- Select “Last Token” or “View Last Purchase”.
- Your most recent electricity token will be displayed on the screen.
Read: Capitec Bank’s Customer Care Services: phone number and email address & WhatsApp
How to Buy electricity with Capitec Cellphone Banking
Buying prepaid electricity with Capitec Cellphone Banking is quick, secure, and doesn’t require internet access. Here’s how to do it using USSD:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Transact” from the menu.
- Choose “Buy Electricity”.
- Enter your meter number.
- Enter the amount you want to purchase.
- Confirm the transaction details.
You’ll receive a confirmation SMS with your electricity token number, which you can enter into your meter.
Tips
- If you’ve bought electricity before, you can select a saved meter number.
- To retrieve your last token, go to Buy Electricity → View Last Token.
- If you’re out of airtime, dial
*130*3279#—this version is free. - You can also use the Capitec Mobile App under Transact → Buy Electricity for a more visual experience.
How to get statement of account with Capitec Cellphone Banking
You can view a mini statement of your Capitec account using cellphone banking—no internet or app required. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “View” from the menu.
- Choose “Mini Statement”.
- Your last 5 transactions will be displayed on the screen.
For Full Statements
To get a full account statement (monthly or custom range), you’ll need to use one of these options:
- Capitec Mobile App: Go to Transact → Email Statement Choose the date range and enter your email address.
- Capitec Branch: Visit any branch with your ID to request a printed statement.
- Capitec Internet Banking: Log in and download or email your statement.
How to Send your own account details using SMS or email
You can easily send your Capitec account details to someone via SMS or email using cellphone banking or the mobile app. Here’s how to do it:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Send Details” or “Share Account Info” from the menu.
- Choose whether to send via:
- SMS
- Enter the recipient’s phone number or email address.
- Confirm the details.
Your account number and branch code will be sent instantly to the recipient.
How to Buy vouchers
You can buy vouchers using Capitec Cellphone Banking with just a few taps—no internet or app required. These vouchers can include things like gaming credits, shopping vouchers, or prepaid services. Here’s how:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Buy” from the menu.
- Choose “Vouchers”.
- Select the type of voucher you want:
- Airtime or data top-ups
- Electricity
- Retail vouchers (e.g., Shoprite, Pick n Pay)
- Gaming or entertainment (e.g., PlayStation, Netflix)
- Enter the amount or choose a preset value.
- Confirm the transaction.
You’ll receive the voucher code via SMS, which you can redeem immediately.
How to Play Lotto
You can play Lotto using Capitec Cellphone Banking if you’re registered for mobile banking and have a South African ID. Here’s how to do it via USSD:
- Dial
*120*3279#from your registered cellphone. - Enter your Mobile Banking PIN.
- Select “Transact” from the menu.
- Choose “Buy”, then select “Lotto”.
- Pick your game:
- Lotto
- PowerBall
- Daily Lotto
- Choose your numbers manually or use Quick Pick.
- Confirm your selection and payment amount.
- You’ll receive a confirmation SMS with your ticket details.
