In short: Capitec Connect is Capitec’s prepaid mobile product (voice, SMS and data), not a cash-send or banking app feature. Capitec’s Connect terms: you need an active Capitec Global One account, you sign up in a Capitec branch, and the SIM is RICA’d with your ID and proof of address. Recharge on the Capitec app or USSD *120*3279# (use *130*3279# if you have no airtime). Self-service balance and data transfer: *147#. Care: dial 135 from a Connect number or 084 1135 from another network. Confirm live prices on capitecbank.co.za. Not financial advice.
Sources: Capitec Connect Terms and Conditions (2025 PDF); Capitec Connect product / charges pages on capitecbank.co.za (confirm live bundle list).
What Capitec Connect is
Capitec’s own terms define Capitec Connect as prepaid electronic communications: voice calls, SMSs and internet (data) carried on a third-party network. It is an MVNO-style mobile service branded by Capitec. It is not Capitec Send Cash, not Remote Banking, and not a way to withdraw cash. If you need cash collection, use Capitec Send Cash withdrawal instead.
Who can get a SIM
- Active Capitec Global One account (or open one).
- Sign-up only at a Capitec branch (terms: not a pure online SIM post).
- RICA: green SA ID book, Smart ID card or passport, plus proof of residence not older than 3 months.
- You must be 18+, or have parent / guardian consent (terms wording).
- Maximum 5 SIMs registered in your name.
You can take a new Capitec Connect number or port your existing number in. Capitec warns you to use remaining airtime / data on your old network before you port.
Buy airtime and bundles
- Capitec app (buy airtime or bundles for your Connect number).
- *120*3279# recharge codes for airtime and voice / data / SMS bundles.
- *130*3279# when you have no airtime (airtime and voice bundles per terms).
- Capitec TopUp vouchers / Connect airtime vouchers where Capitec lists them.
Other Capitec clients can buy airtime or bundles for your number if it is saved as a prepaid beneficiary. Capitec’s terms: mistakes loading the wrong number are not refunded. Charges (including VAT) sit on Capitec’s website and can change.
Self-service and care
- *147# Connect Self-Service Portal: balance, data transfer to another Connect subscriber (minimum 5MB), convert airtime to bundles, and related prompts.
- Client Care: 135 from your Connect SIM, or 084 1135 from another network; or visit a branch.
- Lost or stolen SIM: tell Client Care / branch promptly and report to the police within 24 hours (terms). SIM swap is done in branch with biometrics and fresh RICA documents; a fee can apply.
Important limits in the terms
- Prepaid only. No contract handset is included; bring your own phone.
- No international roaming at present: the SIM will not work outside South Africa. You can still make international calls / SMS from inside SA on airtime (not from a voice bundle, per terms).
- Airtime does not expire. Some bundles may have an expiry you accept at purchase.
- Inactivity: terms describe deactivation rules after long unused periods (including churn after 180 days with no activity). Remaining balances can be lost if the SIM is deactivated.
- If your Global One account is closed voluntarily, the Connect SIM can stay active, but buying via app / recharge codes and branch / care support is restricted as set out in the terms.
Complaints about the network service may be referred to ICASA. Capitec Connect is not regulated under FAIS as an advice product (terms note).
Last checked: September 2026 against Capitec Connect Terms and Conditions 2025 PDF. Bundle prices, partners and menus change. Confirm on capitecbank.co.za before you sign up or recharge. Not financial advice.