1. What is Capitec Cash Send? 2. Where Can You Withdraw? 3. Step-by-Step Withdrawal Guide 4. What You Need to Collect

5. Costs and Fees 6. Common Problems 7. Scams to Avoid 8. Safety Tips

💡 Good to Know: The sender pays a small fee to send the cash (R8 to R16), but collecting it is completely free for you.

💡 Pro Tip: If you’re already doing your shopping, you can collect your Cash Send at the same time. This saves you a trip to the ATM.

Step 1: Wait for the SMS

You’ll receive a text message from Capitec with a reference number. The sender must give you the secret code separately (it’s not in the SMS).

Step 2: Go to Any Capitec ATM

Find your nearest Capitec ATM. You can use the Capitec app or website to locate the closest one.

Step 3: Select “Cardless Services”

On the ATM screen, look for and tap “Cardless Services” (you don’t need a bank card).

Step 4: Choose “Capitec Cash Send”

From the menu options, select “Capitec Cash Send” or “Cash Send Withdrawal”.

Step 5: Enter the Reference Number

Type in the reference number exactly as it appears in the SMS you received.

Step 6: Enter the Secret Code

Enter the 4-digit secret code that the sender gave you (not in the SMS).

Step 7: Collect Your Cash

The ATM will dispense your cash. Remember to take your cash and check the amount is correct.

Step 1: Go to the Right Counter

• At Pick n Pay, Shoprite, Checkers, Boxer, or Usave: Go to any till or the customer service desk
• At Ackermans or PEP: Go to the till
• At Game, Makro, or Builders: Go to the customer service desk
• At Shoprite: You can also use the Money Market counter

Step 2: Tell Them You Want to Collect Cash Send

Say: “I want to collect a Capitec Cash Send” or “I have a cash transfer from Capitec”.

Step 3: Provide Your Details

Give the cashier:

• The reference number from your SMS
• The 4-digit secret code from the sender
• Your ID (SA ID book or card, or valid passport)

Step 4: Answer Security Questions

The cashier may ask you to confirm your name, surname, and phone number.

Step 5: Collect Your Cash

Once everything is verified, the cashier will give you your cash. Always count it before leaving the counter.

⚠️ Important: At Ackermans and PEP stores, you MUST have your South African ID book, ID card, or a valid passport. They will not accept other forms of identification.

💡 Pro Tip: Always bring your ID with you, even at stores where it’s not required. This will speed up the process if there are any questions.

Great News: You never pay anything to collect Cash Send, no matter where you collect it or how much money was sent to you.

⚠️ Warning: Don’t wait until the last minute to collect your cash. Go as soon as you receive the SMS to avoid any problems.

Problem: “Reference number not found”

Solution: Double-check that you typed the reference number correctly. Every digit must be exact. If it still doesn’t work, wait a few minutes as the system may need time to process the transaction.

Problem: “Wrong secret code”

Solution: Contact the person who sent you the money and ask them to confirm the 4-digit secret code. Make sure they gave you the correct code. You have limited attempts, so don’t keep guessing.

Problem: “Transaction has expired”

Solution: The money was sent more than 30 days ago and has been returned to the sender. Ask them to send it again, and this time collect it quickly.

Problem: ATM or till not working

Solution: Try a different ATM or go to another store. If problems continue, call Capitec Client Care at 0860 10 20 43.

Problem: Store says they can’t help

Solution: Not all cashiers know about this service. Politely ask them to check with a manager or try the customer service desk. If they still can’t help, go to a different store or use a Capitec ATM instead.

💡 Help is Available: If you have any problems collecting your Cash Send, call Capitec Client Care at 0860 10 20 43 or WhatsApp them at 067 418 9565. They can help you Monday to Sunday, 8am to 8pm.

How it works: Someone calls you claiming to be from Capitec’s Fraud Department. They say there’s a problem with your account and ask you to do a Cash Send transaction to “reverse” fake debit orders or “protect” your money.

The truth: Capitec will NEVER ask you to do a Cash Send transaction over the phone. This is always a scam.

What to do: Hang up immediately. If you’re on the Capitec app during a call, check for a banner at the top. Green banner with agent’s name = real Capitec call. Red banner or no banner = scammer. Call Capitec yourself at 0860 10 20 43 if you’re worried.

How it works: A stranger (often online) sends you Cash Send and asks you to share your reference number and secret code with them “to verify” something. Or they ask you to send them a Cash Send using their phone number.

The truth: They want to steal the money you were sent or use your account for money laundering.

What to do: Never share your Cash Send details with strangers. Only send money to people you know and trust.

How it works: Someone offers you a “job” where you receive Cash Send payments into your account, then transfer most of it to another account while keeping a small amount as your “payment”.

The truth: This is money laundering. You’re helping criminals move stolen money. This is a serious crime.

What to do: Never agree to receive money for others. You could go to prison, be banned from having a bank account, and get listed on the Southern African Fraud Prevention Service (SAFPS) database, which will ruin your financial future.

How it works: Someone calls claiming to be from SAPS (police) or ICASA saying your ID was used to register a SIM card for criminals. They pressure you to “verify” your identity by doing transactions, including Cash Send.

The truth: Real police and ICASA will never contact you like this or ask for banking transactions over the phone.

What to do: Hang up. Real investigations happen in person at a police station, not over the phone.

🚨 Golden Rules to Stay Safe:

• Never do a Cash Send because someone on the phone told you to
• Never share your banking PINs, passwords, or codes with anyone
• Never agree to receive money for strangers, even if they offer you a “commission”
• Always verify calls by hanging up and calling Capitec directly at 0860 10 20 43
• Report fraud immediately to Capitec and the police

💡 Smart Tip: If you receive Cash Send regularly, try to collect it during store opening hours when it’s safer, rather than using ATMs late at night.

💡 Pro Tip: If you regularly receive money, consider opening a basic bank account. Most banks offer free or very low-cost accounts. This makes receiving money easier and safer than always using cash.

Q: Can I withdraw Capitec Cash Send at PEP?

A: Yes! You can withdraw at PEP, PEP Home, and PEP Cell stores. You MUST bring your South African ID book, ID card, or valid passport.

Q: Do I need a Capitec account to collect Cash Send?

A: No. You don’t need any bank account at all. Anyone with the reference number and secret code can collect the money.

Q: Can someone else collect the Cash Send for me?

A: Yes, but they need the reference number and secret code. At stores, they may also need to answer security questions about you. For safety, only give these details to people you completely trust.

Q: What happens if I enter the wrong secret code?

A: You have a limited number of attempts. After too many wrong attempts, the transaction may be blocked for security. Contact the sender to verify the correct code, and call Capitec if you’re locked out.

Q: Can I withdraw part of the money and collect the rest later?

A: No. You must collect the full amount in one transaction. You cannot collect in parts.

Q: What’s the maximum amount I can receive via Cash Send?

A: The maximum is R3,000 per transaction if sent via the Capitec app, or R1,000 per transaction if sent via *120*3279#. The sender can make multiple transactions if you need more money.

Q: Can I reverse or cancel a Cash Send after it’s been sent?

A: Only the sender can reverse it, and only if you haven’t collected the money yet. They must call Capitec at 0860 102 043 to request a reversal. There’s a R160 fee for reversals.

Q: Do Capitec ATMs work 24/7 for Cash Send?

A: Most Capitec ATMs work 24/7, but some ATMs in shopping centres are only accessible during mall hours. ATMs inside Capitec branches are only available during branch hours.