Quick Facts

• Send cash using the Capitec app or dial *120*3279#
• Collection is FREE at over 3,000 locations across South Africa
• Send up to R3,000 per transaction via app (R1,000 via USSD)
• Monthly limit: R24,990
• Money available immediately after sending

What is Capitec Cash Send?

Capitec Cash Send is a banking service that lets you send money to anyone in South Africa instantly. The person receiving the money does not need a bank account or Capitec card. They can collect the cash at over 3,000 locations across the country.

This service is perfect for sending money to:

• Family members in rural areas without bank accounts
• Workers who need emergency cash
• People who need money urgently but don’t have their bank card
• Anyone who prefers collecting cash at shops instead of ATMs

How it works: You send money using your phone. The receiver gets a reference number and secret code via SMS. They use these details to collect the cash at any partner store or Capitec ATM.

✅ How to Send Cash (3 Easy Methods)

Method 1: Using the Capitec App

1. Open your Capitec Banking App
2. Enter your Remote PIN to log in
3. Tap on “Transact” at the bottom of the screen
4. Select “Send cash”
5. Choose the account you want to send from
6. Enter the amount (in multiples of R10)
7. Type the recipient’s cellphone number
8. Create a 4-digit secret code
9. Review the details and tap “Send”
10. You will receive an SMS with a reference number

Method 2: Using USSD Code (*120*3279#)

1. Dial *120*3279# on your phone
2. Reply with “9” to access Cash Send
3. Choose which account to send from
4. Enter the amount you want to send
5. Type the recipient’s cellphone number
6. Create a 4-digit secret code
7. Enter your Mobile Banking PIN
8. You will receive an SMS with a reference number

Method 3: At a Capitec Branch

Visit any Capitec branch and ask a teller to help you send cash. You will need your ID and the recipient’s cellphone number.

Where Can You Collect Cash? (FREE at All Locations)

Collection is FREE at all these places:

Collection Point	Number of Locations
Capitec ATMs	Over 3,000 ATMs nationwide
Shoprite / Checkers / Usave	Hundreds of stores (at Money Market counter)
Pick n Pay / Boxer	Available at most stores
PEP / PEP Home / PEP Cell	Over 2,600 stores across South Africa
Ackermans	Most Ackermans stores nationwide
Game Stores	Selected Game stores
Makro	Selected Makro stores
Builders Warehouse	Selected stores

Remember: There is NO charge to collect the money. Collection is 100% free at all these locations.

💰 Costs and Limits (Valid from October 2025)

Transaction Limits

Method	Per Transaction	Daily Limit	Monthly Limit
Capitec App	Up to R3,000	R5,000	R24,990
USSD (*120*3279#)	Up to R1,000	R1,000	R24,990

Important Information About Fees

• Capitec charges a small fee when you SEND the cash (check your app for current rates)
• Collection is FREE for the person receiving the money
• No extra charges at any of the partner stores or ATMs
• The money must be collected within 30 days, or it returns to your account

✅ How to Collect Your Cash

At a Capitec ATM:

1. Go to any Capitec ATM
2. Select “Cardless Services” on the screen
3. Choose “Capitec Cash Send”
4. Enter the reference number (from the SMS)
5. Enter the 4-digit secret code
6. Confirm the amount
7. Collect your cash

At a Partner Store (Shoprite, Pick n Pay, PEP, etc.):

1. Go to the cashier or Money Market counter
2. Tell them you want to collect a Capitec Cash Send
3. Provide the reference number
4. Show your ID (South African ID or valid passport)
5. Enter the 4-digit secret code when asked
6. They may ask you to confirm your name and cellphone number
7. Receive your cash immediately

What You Need to Collect:

• Reference number (from SMS)
• 4-digit secret code (given by the sender)
• Your ID (for stores only – not needed at ATMs)
• Your cellphone (to receive messages)

🚨 CRITICAL SCAM WARNINGS

As of 2025, banking scams have increased by 40% in South Africa. Capitec has warned about several dangerous scams targeting Cash Send users.

Common Cash Send Scams:

How to Protect Yourself:

• NEVER send cash based on a phone call – even if they sound official
• NEVER share your secret code with anyone except the person collecting
• Capitec will NEVER ask you to:
  • Do a Cash Send transaction to stop fraud
  • Transfer money to a “safe account”
  • Share your PIN, password or secret code
  • Install software on your phone during a call
• If someone calls claiming to be Capitec:
  • Hang up immediately
  • Call Capitec yourself on 0860 10 20 43
  • Use the verification feature in your banking app
• Report scams immediately to Capitec and SABRIC

⚠️ Common Problems and Solutions

Problem: Wrong Reference Number or Secret Code

Solution: Check the SMS carefully. Make sure you copied the numbers correctly. The reference number and secret code are different – don’t mix them up.

Problem: Money Has Expired

Solution: After 30 days, uncollected money automatically goes back to the sender’s account. The sender must send it again if you still need it.

Problem: ATM or Store System Not Working

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

Problem: Didn’t Receive the SMS

Solution: Ask the sender to check they used the correct cellphone number. The sender can view the transaction details in their app to get the reference number again.

Problem: Store Says They Don’t Offer Cash Send

Solution: Not all branches offer this service. Try the Money Market counter if available. Otherwise, visit a different store or Capitec ATM.

Other Ways to Send Money

Method	Best For	Cost
Cash Send	People without bank accounts, urgent cash needs	Small fee to send, FREE to collect
Capitec Pay (between Capitec accounts)	When both people have Capitec accounts	R1 per transfer
PayShap	Sending to other banks, instant transfers	R2 per transfer
EFT Transfer	Sending to other banks (not urgent)	R2 per transfer
Immediate Payment	Emergency transfers that must arrive instantly	R6 per transfer

When to Use Cash Send vs Other Methods:

• Use Cash Send when: The receiver doesn’t have a bank account, needs physical cash, or prefers collecting at shops
• Use Capitec Pay when: Both of you have Capitec accounts and want the cheapest option (R1)
• Use PayShap when: Sending to other banks and need money to arrive instantly
• Use EFT when: Sending to other banks and can wait 1-2 hours for it to clear

Capitec Cash Send is safe, convenient and affordable when used correctly. It’s perfect for sending money to people without bank accounts or when someone needs cash urgently.

Always remember:

• Collection is FREE at over 3,000 locations nationwide
• Send the reference number and secret code separately for safety
• NEVER send cash based on unexpected phone calls
• Capitec will NEVER ask you to send cash to stop fraud
• Money expires after 30 days, so collect promptly
• Keep your secret code private – only share with the person collecting

If you suspect a scam, hang up immediately and call Capitec on their official number: 0860 10 20 43