Capitec Bank

Capitec Bank Cellphone Banking | Mobile Banking: How to buy airtime,transfer money,account balances and pay bills on cellphone

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Last Updated on May 26, 2024 by admin

Are you worried on how to carry out your transaction on your cellphone without visiting any of Capitec Bank branches. The good news is that you can now buy airtime, data and sms bundles,Send cash to friends and family also check your account balance from your mobile phone.

Capitec Bank  South Africa offer Remote Banking services on your cellphone or the Internet you can now choose the best way to bank. With *120*3279# ussd code transaction are made easy, secure ,reliable and fast. Almost any cellphone that can receive and send SMSs can be used to access Mobile Banking.

In our today discussion, i shall walk you through on how to carry out this process, so grab a cup of tea and sit back why i walk you round.

The transaction can be done with any cellphone that can receive and send SMSs used to access Mobile Banking provded the phone number is your register number with the bank.

Also READ: First National Bank [South Africa]Cellphone Banking: How to buy airtime, transfer money, check account balance with ussd code

What is Bank USSD CODE?

A bank USSD code is a short, unique code that allows you to access banking services directly from your mobile phone without needing an internet connection or a smartphone. It’s a convenient way to perform basic banking transactions on the go.

How it works:

  1. Dial the code: Each bank has its unique USSD code, usually starting with an asterisk (*) and ending with a hash (#). Dial the code on your phone’s keypad.
  2. Menu: A menu of options will appear on your phone’s screen.
  3. Navigate: Use your phone’s keypad to navigate through the menu and select the service you want to use.
  4. Transaction: Follow the prompts to complete your transaction, such as entering an amount to transfer or a bill payment reference number.

Common services accessible via bank USSD codes:

  • Check account balance
  • Transfer funds to other accounts
  • Pay bills (utility bills, airtime, etc.)
  • Buy airtime or data
  • Mini statement (view recent transactions)
  • Other services (depending on the bank)

What can you do with Capitec Bank ussd code ?

  • Buy airtime, data and SMS bundles
  • Buy electricity
  • View account balances
  • View last electricity token purchased
  • Do credit 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

How do I activate my capitec cellphone banking?

 

cellphone banking. You have two options to access their banking services on your phone:

1. Capitec App:

This is the recommended method for smartphone users.

  • Download: Download the Capitec app from your phone’s app store (available for Android, Huawei, and iOS).
  • Register or Log In:
    • If you’re a new customer, you can open an account directly through the app using your South African ID number and a few selfies.
    • If you already have a Capitec account, log in using your existing credentials.

2. USSD Banking

This is ideal for feature phones or if you don’t have access to the internet.

  • Dial *120*3279#: This code will give you access to a menu where you can perform various banking operations.
  • Follow the prompts: You’ll be guided through the options for checking balances, transferring money, buying airtime/electricity, etc.

Also READ: African Bank :How to use African bank Internet Banking,Cellphone Banking and banking app service

 

How to buy Airtime

Capitec Bank offers two ways to buy airtime using their cellphone or mobile banking services:

1. Using the Capitec App:

  • Open the app: Launch the Capitec app on your smartphone.
  • Select “Transact”: Tap on the “Transact” icon at the bottom of the screen.
  • Choose “Buy”: Select “Buy” from the available options.
  • Select “Airtime,” “Data,” or “SMS Bundle”: Choose the type of airtime you want to purchase.
  • Choose account: Select the account from which you want to deduct the amount.
  • Select network provider: Choose your mobile network operator.
  • Enter amount or select bundle: Enter the amount of airtime you want or select a data/SMS bundle.
  • Confirm: Review the details and confirm your purchase.

2. Using USSD

  • Dial *120*3279# from your registered mobile phone.
  • Select “Buy”: Choose the option to buy airtime, data, or SMS bundles.
  • Choose “Airtime,” “Data Bundle,” or “SMS Bundle”: Select the type of airtime you want.
  • Select account: Choose the account to deduct the amount from.
  • Select network provider: Choose your mobile network operator.
  • Select validity period/category/bundle period (if applicable): Choose the desired option based on your selection.
  • Enter recipient’s number: Reply with “1” for your own number or enter the cellphone number you want to buy airtime for.
  • Enter PIN: Enter your Mobile Banking PIN to confirm the purchase.

To buy Airtime from Capitec Bank  for self and love once  simply dial *130*3279# free of charge to top up your cellphone!

Please note: Capitec Bank currently support Telkom Mobile, Cell C, MTN and Vodacom for direct airtime top-up.

What are the daily transaction limits?

The transfer limits for Capitec Bank Prepaid airtime,data bundles and sms bundles up to R505 collectively
Prepaid electricity up to R10 000 (depending on your vendor)
Capitec Bank client payments up to R3000

 

How to Transfer money from Capitec Bank

Capitec Bank in South Africa offers several convenient ways to transfer money, both to other Capitec accounts and to external bank accounts:

1. Capitec App:

  • This is the easiest and most convenient method for most users.
  • Tap ‘Transact’: Open the Capitec app and select this option.
  • Choose Transfer Type:
    • Transfer money: For transfers between your own Capitec accounts.
    • Send Cash: For sending money to someone else (even if they don’t have a Capitec account).
    • Payments: For making payments to registered beneficiaries.
    • Immediate payment: For instant payments to other banks.
  • Follow the prompts: Enter the relevant details like recipient information, amount, and reference.
  • Confirm: Review the details and confirm the transfer.

2. Internet Banking:

  • Log in to your Capitec internet banking account.
  • Go to the “Payments” menu and select the type of transfer you want to make.
  • Follow the on-screen instructions to complete the transfer.

3. USSD :

  • Dial *120*3279# from your registered phone.
  • Follow the menu prompts to select “Transfer money” and then choose the type of transfer.
  • Enter the required details, such as the recipient’s account number and the amount.
  • Confirm the transaction with your Mobile Banking PIN.

4. In-Branch:

  • Visit your nearest Capitec branch and ask for assistance with the transfer.

Also READ: ABSA Bank USSD Codes:How to Register, transfer money,pay bills and check account Balance

 

How to change or reset  Capitec Bank USSD PIN

Capitec Bank does not currently offer a way to change or reset your USSD PIN directly through the USSD menu. However, you have two options to manage your PIN:

1. Using the Capitec App:

If you have a smartphone and access to the Capitec app, this is the easiest way to reset your PIN:

  • Open the app and log in.
  • Tap the profile icon in the top right corner.
  • Select “PIN settings.”
  • Choose “Reset Remote PIN.”
  • Follow the instructions to enter your current PIN and create a new one.

2. Contacting Capitec Customer Care:

If you don’t have access to the app, you can call Capitec customer care for assistance:

  • Dial 0860 10 20 43 from your registered phone number.
  • Follow the prompts to speak to a representative.
  • Request a PIN reset for your USSD banking.
  • Provide necessary information for verification (e.g., your ID number, account details).
  • Follow the instructions provided by the representative to create a new PIN.

Frequently Asked Questions

 

Q: How to Buy Airtime/Data/SMS Bundles:

  • Mobile App:
    1. Open the Capitec app.
    2. Tap “Transact” at the bottom.
    3. Select “Buy.”
    4. Choose “Airtime,” “Data,” or “SMS Bundle.”
    5. Select the account to deduct from.
    6. Choose your network provider.
    7. Enter the amount or select a bundle.
    8. Confirm your purchase.
  • USSD

    1. Dial *120*3279#.
    2. Select “Buy.”
    3. Choose “Airtime,” “Data Bundle,” or “SMS Bundle.”
    4. Select the account to deduct from.
    5. Choose your network provider.
    6. Select validity period/category/bundle period (if applicable).
    7. Reply with “1” for your own number or enter the recipient’s number.
    8. Enter your Mobile Banking PIN.

Q: How to Transfer Money:

  • Mobile App:
    1. Open the app and tap “Transact.”
    2. Select “Transfer Money” (for your own accounts) or “Send Cash” (for others).
    3. Enter the recipient’s details (account number or cell phone number).
    4. Enter the amount and a reference (optional).
    5. Confirm the transaction.
  • USSD

    1. Dial *120*3279#.
    2. Select “Transact.”
    3. Choose “Transfer Money” or “Send Cash.”
    4. Follow the prompts to enter recipient details and amount.
    5. Enter your Mobile Banking PIN to confirm.

Q; How to Check Account Balances:

  • App:
    1. Open the app and log in.
    2. Your balances will be displayed on the home screen.
    3. For more details, go to the “Accounts” section.
  • USSD

    1. Dial *120*3279#.
    2. Select “View Balances.”
    3. Choose the account you want to check.

Q: How to Pay Bills:

  • App:
    1. Open the app and tap “Transact.”
    2. Select “Payments.”
    3. Choose the type of bill (e.g., electricity, water, TV).
    4. Enter the account details and amount.
    5. Confirm the payment.
  • USSD (*120*3279#): Not available for bill payments.

Important Notes:

  • Registering: If you’re a new Capitec customer, you need to register for the app or cellphone banking first.
  • Data Charges: For USSD, standard data charges may apply. Using the app on the Capitec Connect network is data-free.
  • Security: Always keep your PIN confidential and never share it with anyone.

Q: How can i reset my PIN on Capitec Bank Cellphone Banking | Mobile Banking

A: You can reset your Capitec Bank Mobile Banking PIN through two methods:

1. Using the Capitec App (Recommended):

  • Open the app: Launch the Capitec app on your smartphone.
  • Forgot PIN: On the login screen, tap the “Forgot PIN” button.
  • Follow the instructions: You’ll be guided through the process of resetting your PIN. This typically involves confirming your identity and creating a new PIN.

2. Contacting Capitec Customer Care:

  • Call: Dial 0860 10 20 43 from your registered phone number.
  • Request a PIN reset: Inform the customer service representative that you need to reset your Mobile Banking PIN.
  • Verification: You’ll be asked to provide your personal details for verification (e.g., ID number, account details).
  • New PIN creation: Follow the instructions given by the representative to create a new PIN.

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