Capitec Send Cash Withdrawal: ATM vs Shop (Free Collect)

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In short: Capitec’s product is called Send Cash (people often say “CashSend”). Collecting is free at a Capitec ATM or listed retailers if you have the reference and 4-digit secret code. At a Capitec ATM use Cardless Services > Collect Cash. At PEP / Ackermans (and related PEP stores) take your SA ID. Shoprite / Checkers / Usave / Pick n Pay / Boxer collection usually needs the codes only. Uncollected cash returns to the sender after 30 days on Capitec’s FAQ, or the sender can collect it sooner. Not financial advice.

Sources: Capitec Help Centre FAQs (Send cash); Capitec Send Cash terms (PDF). Sender fees and limits: see Capitec Send Cash vs eWallet / CashSend.

Withdrawal angle (not the send guide)

This guide is for the person collecting cash. How to create a Send Cash from the Capitec app or *120*3279#, and how Send Cash differs from FNB eWallet or Absa CashSend, sits on the sibling send guide linked above. Absa’s product uses different ATM and store steps: where to withdraw Absa CashSend.

What you need

  • The reference number (Capitec describes a 10-digit reference for ATM collection).
  • The 4-digit secret code the sender created.
  • At Ackermans, PEP, PEP HOME and PEP CELL: your SA ID (FAQ).
  • At Pick n Pay, Boxer, Checkers, Usave, Shoprite or a Capitec ATM: reference + secret code (FAQ).

Anyone who presents the correct codes (and ID where required) can be paid. Treat the secret code like a PIN. Capitec will not phone you and ask you to read both codes to “release” funds.

Collect at a Capitec ATM

  1. Do not insert a card.
  2. Choose Cardless Services, then Collect Cash (labels can vary slightly by machine).
  3. Enter the 10-digit reference, then the 4-digit secret code.
  4. Take the cash and end the session.

Collect at a store

  1. Go to a till or customer-service point at a partner on Capitec’s live list.
  2. Say you are collecting a cash transfer from a Capitec client.
  3. Give the reference, then the secret code. Show SA ID at PEP / Ackermans family stores when asked.
  4. Confirm the amount on the slip before you leave.

Capitec’s Help Centre has listed partners such as Ackermans, PEP, PEP HOME, PEP CELL, Shoprite, Checkers, Usave, Game, Pick n Pay, Boxer and Capitec ATMs. Partners change. Confirm on Capitec before you travel. Collection at listed points is described as free to the recipient; the sender pays the Send Cash fee.

Limits, fees and 30-day return (sender side)

Capitec’s FAQ (confirm live): minimum send about R40; up to R3 000 per transaction on app paths; daily and monthly caps apply; example fee bands around R10 / R20 / R30 by amount band (also shown as R10 per R1 000 on fee sheets). Recipients do not pay those send fees at collection. If nobody collects, Capitec’s FAQ says the amount is paid back to the sender after 30 days; the sender can also collect the codes themselves sooner. Once collected by anyone with the codes, you generally cannot reverse it. Uncollected walkthrough: unredeemed Capitec Send Cash.

If the ATM or till fails

  • Retry at another Capitec ATM or a different listed retailer.
  • Check you did not swap digits between reference and secret code.
  • If the money still will not pay out, the sender should contact Capitec Client Care with the send confirmation. Do not send the secret code to strangers who offer to “fix” it.

Compare brands: cash send options in South Africa. Emergency cardless overview: emergency cardless cash.

Last checked: September 2026 against Capitec Help Centre Send cash FAQs and Send Cash terms PDF. Partner lists, fees and limits change. Confirm on Capitec before you travel. Not financial advice.

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