Quick Facts

• Start investing with as little as R5
• Capitec customers get 20% discount on brokerage fees
• Free demo account with R100,000 practice money
• No registration fees or monthly platform charges
• Regulated by FSCA (FSP 22588)

What is Capitec EasyEquities?

EasyEquities is South Africa’s most popular investment platform. It lets you buy shares in companies without needing thousands of Rands. You can start with just R5.

Capitec Bank has partnered with EasyEquities. This means you can now invest directly through the Capitec app. You get special discounts and it’s easier to move money between your bank account and investments.

Think of it like this: normally you need R500 to buy one share in a company. With EasyEquities, you can buy a small piece of that share for just R5. As you add more money, you build up your investment.

How Does It Work?

EasyEquities uses something called “fractional shares”. This means you don’t have to buy a whole share. You buy a fraction (a piece) of a share based on how much money you have.

Example:

Let’s say one share of Shoprite costs R200. You only have R50 to invest. EasyEquities lets you buy 25% of one share (R50 ÷ R200 = 25%). If the share price goes up, your R50 grows. If Shoprite pays dividends, you get 25% of that dividend payment.

What Can You Invest In?

• South African shares: Companies like Shoprite, MTN, Sasol, and Naspers
• International shares: Big companies like Apple, Microsoft, and Amazon
• ETFs: These are baskets of many shares. Less risky than single shares.
• Bundles: Pre-made investment packages managed by experts
• Property: Invest in buildings and earn rental income
• Cryptocurrency: Digital money like Bitcoin (very risky)

✅ Special Benefits for Capitec Customers

If you bank with Capitec, you get extra benefits when using EasyEquities:

Benefit	What You Get
Discount on Fees	20% off all brokerage fees when you register through the Capitec app
Easy Money Transfer	Move money instantly from your Capitec account to investments
One App	See your bank balance and investments in one place
Live Better Rewards	Get R50 free when you register (for Live Better members)

💰 Costs and Fees Explained

EasyEquities is known for low fees. Here’s what you’ll pay as of October 2025:

Main Fees:

Fee Type	Amount	When You Pay
Registration	R0	Never – it’s free
Brokerage Fee	0.25% (minimum 1c)	Each time you buy or sell shares
Capitec Discount	0.20% (after discount)	If you register through Capitec app
Thrive Fee	R25 per month	Only if you don’t deposit money monthly
Withdrawal Fee	R0	Never – withdrawals are free

How to Avoid the R25 Monthly Fee:

EasyEquities has a loyalty program called “Thrive”. You don’t pay the R25 fee if you:

• Deposit more money than you withdraw each month (even R1 is enough)
• Are under 21 years old
• Are over 65 years old
• Complete their monthly investment lesson online

Example of Costs:

How to Get Started

Starting your investment journey with Capitec EasyEquities is simple. Here’s the step-by-step process:

Step 1: Download the Capitec App

If you don’t have it already, download the latest Capitec Bank app from Google Play Store or Apple App Store. Make sure it’s updated to the newest version.

Step 2: Find EasyEquities in the App

• Open the Capitec app and log in
• Tap on “Explore” at the bottom
• Look for “Live Better” section
• Select “EasyEquities”

Step 3: Register Your Account

You’ll need to provide:

• Your ID number
• Your cell phone number
• Your email address
• Your home address

Important: Most Capitec customers don’t need to upload documents. The system checks your details automatically. You’ll get an email within 2 to 4 hours telling you if your account is ready.

Step 4: Practice with Demo Money

Before using real money, try the demo account. You get:

• R100,000 demo money for South African shares
• $10,000 demo money for international shares
• Real share prices – only the money is fake

This helps you learn how buying and selling works without any risk.

Step 5: Add Money to Your Account

When you’re ready to invest real money:

• Tap “Fund Account” in the EasyEquities widget
• Choose your Capitec account to transfer from
• Enter the amount you want to invest
• Tap “Transfer” – the money arrives instantly

Step 6: Make Your First Investment

• Choose “Invest” from the menu
• Search for a company or ETF you like
• Tap on it to see more details
• Enter how much money you want to invest
• Tap “Buy” to complete your investment

Tax-Free Savings Account (TFSA)

When you open an EasyEquities account, you automatically get a Tax-Free Savings Account (TFSA). This is one of the best ways to save money in South Africa.

What Makes a TFSA Special?

Normally, when your investments make money, you must pay tax to SARS. With a TFSA, you pay zero tax on:

• Interest earned
• Dividends received
• Capital gains (profit when you sell)

TFSA Rules for 2025:

Annual Limit	R36,000 per year
Lifetime Limit	R500,000 total over your lifetime
What You Can Buy	ETFs and bundles only (not single shares)
Penalty for Going Over	40% tax on any amount above the limit

Important Things to Know:

• It’s about deposits, not growth: If you put in R36,000 and it grows to R50,000, that’s fine. The growth doesn’t count towards your limit.
• Withdrawals count: If you put in R36,000 and take out R10,000, you can’t put more in that year. You already used your R36,000 limit.
• No rollover: If you only deposit R20,000 this year, you can’t add the extra R16,000 to next year’s limit.
• One limit across all providers: If you have TFSAs with different banks, the R36,000 limit applies to all of them combined.

🚨 Scams and Warnings

EasyEquities is a legitimate company, but scammers are using their name to steal money. Here’s what you need to know:

Common EasyEquities Scams (2025):

1. Fake employees on social media: People on WhatsApp, Telegram, or Facebook claim to work for EasyEquities. They promise huge returns and ask you to send money to their personal account.
2. “Get rich quick” schemes: Messages saying “Turn R500 into R50,000 in one week with EasyEquities”. This is fake. Real investing takes time.
3. Fake trading signals: Groups offering “guaranteed” trading tips if you pay a monthly fee. Real EasyEquities doesn’t offer this service.

How to Stay Safe:

Where to Report Scams:

FSCA (Financial Regulator)	0800 110 443
SABRIC (Banking Fraud)	www.sabric.co.za
EasyEquities Support	support@easyequities.co.za

Investment Risks to Understand:

Even when using the real EasyEquities platform, remember:

• Share prices go up and down. You can lose money.
• Past performance doesn’t guarantee future results.
• Don’t invest money you need soon (like rent money).
• Diversify – don’t put all your money in one company.
• EasyEquities is not a bank. There’s no deposit insurance like with savings accounts.

What You Need to Get Started

Requirements:

• Must be 18 years or older (or have parent permission for minor account)
• Valid South African ID number
• Working cell phone number
• Email address
• Capitec bank account (for best discounts)

Documents Usually Needed:

For most South Africans using the Capitec app, no documents are needed upfront. The system verifies your identity automatically. However, sometimes they might ask for:

• Copy of your ID document
• Proof of address (bank statement or utility bill)
• Proof of bank account

If they need these, they’ll email you. Don’t worry – most people never need to send documents.

Other Investment Options

EasyEquities is great, but it’s not the only option. Here are alternatives:

Discovery Bank EasyEquities

If you bank with Discovery, you can also access EasyEquities through their app. You might get Vitality points for investing.

Unit Trusts

Banks like Standard Bank, FNB, ABSA, and Nedbank offer unit trusts. These are similar to ETFs but usually have higher fees.

Stokvels

Traditional savings clubs with family or friends. Lower returns than shares but very safe and social.

Bank Savings Accounts

If you’re not comfortable with investment risk, keep money in a bank savings account. Lower returns but your money is protected.

Capitec EasyEquities is an excellent choice if you want to start investing with little money. The platform is beginner-friendly, costs are low, and it’s properly regulated.

Best for: Capitec customers who want to invest small amounts regularly. The 20% discount on fees makes it even more attractive.

Start with: Use the demo account first. Then invest small amounts (R50-R200) until you understand how it works. Focus on ETFs in your TFSA for tax-free growth.

Avoid the R25 fee: Simply deposit any amount each month (even R10) to keep your account active and fee-free.

Remember: Only invest money you won’t need for at least 3-5 years. Think of investing as planting seeds that take time to grow into trees.