Last Updated on July 23, 2025 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.
What is Capitec Bank Cellphone Banking?
Capitec Bank Cellphone Banking refers to the various ways Capitec Bank allows its customers to manage their accounts and conduct banking transactions using their mobile phones. This primarily includes two main channels:
Common services accessible
- 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 Cellphone Banking
- 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 register for my capitec cellphone banking?
cellphone banking. You have two options to access their banking services on your phone:
Also READ: African Bank :How to use African bank Internet Banking,Cellphone Banking and banking app service
Registering for Capitec Cellphone Banking is simple and can be done in a few different ways depending on your preference and access:
Option 1: Register at a Capitec Branch
- Visit your nearest Capitec branch during operating hours.
- Bring your South African ID or passport.
- Make sure your mobile number is active and registered in your name.
- A consultant will help you:
- Link your phone number to your account.
- Set up a 5-digit Mobile Banking PIN.
- You’ll receive a confirmation SMS once registration is complete.
Option 2: Register via Capitec Mobile App
- Download the Capitec app from Google Play or the Apple App Store.
- Log in and go to Transact → Mobile Banking.
- Follow the prompts to enable cellphone banking.
- Set your Mobile Banking PIN and confirm with an OTP.
Option 3: Register via USSD (if already linked)
- Dial
*120*3279#from your registered mobile number. - Follow the prompts to activate the service.
- If you’re out of airtime, dial
*130*3279#free of charge.
How to buy Airtime from capitec cellphone banking?
Buying airtime with Capitec Cellphone Banking is quick, secure, and doesn’t require internet access. You can do it via USSD or the Capitec mobile app—here’s how:
Using USSD (No Data Needed)
- Dial
*120*3279#from your registered mobile number. - Select “Buy” from the menu.
- Choose “Airtime”, “Data Bundle”, or “SMS Bundle”.
- Pick the account to debit (if you have more than one).
- Select your network provider (MTN, Vodacom, Cell C, or Telkom).
- Enter the amount or choose a bundle.
- Reply with 1 to buy for your own number or enter someone else’s number.
- Enter your Mobile Banking PIN to confirm
Using the Capitec Mobile App
- Open the app and log in.
- Tap “Transact” → “Buy” → “Prepaid Mobile”.
- Choose or add a beneficiary (yourself or someone else).
- Select network, product type, and amount.
- Confirm with your Remote PIN
- You can top up for yourself or others.
- Daily airtime/data/SMS purchase limit: R505.
- If you’re out of airtime, dial
*130*3279#free of charge to top up
How to Transfer money from Capitec Bank cellphone banking
Using USSD (No Data Needed)
- Dial
*120*3279#from your registered mobile number. - Select “Banking” from the menu.
- Enter your Mobile Banking PIN.
- Choose “Transfers”.
- Select:
- Own accounts (if you’re moving money between your Capitec accounts), or
- New beneficiaries (to send money to someone else).
- Enter the recipient’s Capitec account number or cellphone number.
- Type in the amount you want to transfer.
- Confirm the details and authorize the transaction.
Using the Capitec Mobile App
- Open the app and log in.
- Tap “Transact” → “Payments” or “Transfer Money”.
- Choose the recipient or add a new one.
- Enter the amount, reference, and account to debit.
- Confirm with your Remote PIN.
Limits & Notes
- Daily transfer limit via USSD:
- R5,000 to Capitec accounts
- R2,000 to new beneficiaries
- Transfers are usually instant.
- You can’t send money to non-Capitec accounts via USSD—use the app or internet banking for that.
Also READ: ABSA Bank USSD Codes:How to Register, transfer money,pay bills and check account Balance
How to change or reset Capitec Bank cellphone banking PIN
Option 1: Using the Capitec Mobile App
- Open the Capitec app on your smartphone.
- On the login screen, tap “Forgot PIN”.
- Enter your South African ID number and registered mobile number.
- Follow the prompts to verify your account.
- Create a new 5-digit PIN and confirm it.
- Submit the PIN and log in with your new credentials.
Option 2: At a Capitec Branch
- Visit your nearest Capitec branch with your ID and mobile phone.
- A consultant will help you reset or change your PIN securely.
- Ideal if you’re locked out or prefer in-person assistance.
Option 3: Via ATM
- Insert your Capitec card at a Capitec ATM.
- Select “PIN Services” and follow the prompts to reset your Mobile Banking PIN
Capitec Bank Pay smart with PayShap
What is Capitec Bank PayShap?
- A digital payment solution designed to make instant payments to and from other banks
- To make or receive a payment, all you need is a cellphone number (ShapID)
What is a Capitec Bank ShapID?
A unique number that can be used to receive PayShap payments. At Capitec, your ShapID is made up of your cellphone number plus @capitecbank, e.g. 0840000000@capitecbank.
To receive instant payments from any bank using your cellphone number, you will need to set Capitec as your main bank.
Making instant payments with Capitec Bank PayShap is fast, secure, and super simple—no need for bank account numbers, just a cellphone number (ShapID). Here’s how to do it:
Using the Capitec Mobile App
- Log in to the Capitec app.
- Tap “Transact” → “PayShap”.
- Choose “Send Money” or “Request to Pay”.
- Enter the recipient’s cellphone number or ShapID (e.g.
0840000000@capitecbank). - Select the recipient’s bank and enter the amount.
- Confirm with your Remote PIN and send.
Using USSD (No Data Needed)
- Dial
*120*3279#from your registered mobile number. - Go to “Transact” → “PayShap”.
- Enter the recipient’s cellphone number or ShapID.
- Choose the bank and enter the amount.
- Confirm with your Mobile Banking PIN.
Request to Pay (Optional Feature)
- You can send or accept payment requests using your ShapID.
- Great for splitting bills or collecting payments—no awkward reminders needed.
- Available via app or USSD.
Fees & Limits
| Transaction Type | Fee | Limit per Transaction |
|---|---|---|
| Payments ≤ R100 | Free | R100 |
| Payments > R100 | Varies by bank (Capitec: low fees) | Up to R3,000 |
