Quick Facts

• Capitec offers 5 types of vouchers (Flexi, Top-Up, OTT, Blu, Retailer-specific)
• Flexi vouchers work at 27+ major South African retailers
• Buy vouchers through the Capitec app or dial *120*3279#
• Vouchers valid for 3 to 36 months depending on type
• All legitimate Capitec vouchers are free (no purchase fees)

What Are Capitec Vouchers?

Capitec vouchers are digital payment codes you can buy through the Capitec app. They work like prepaid gift cards. You buy a voucher with your Capitec account money. Then you use the voucher code to shop or pay for services.

Vouchers are safer than using your bank card online. You do not give shops your card details. You only give them the voucher code. This protects your banking information.

Capitec is South Africa’s biggest bank by customer numbers. Over 23 million people use Capitec. The bank added vouchers to make digital payments easier and safer for South Africans.

Types of Capitec Vouchers

1. Capitec Flexi Voucher

This is the most flexible voucher. You can use it at 27+ different retailers across South Africa. It works for groceries, restaurants, clothing, and more.

Key features:

• Valid for 3 months from purchase date
• Must use full amount in one transaction
• Cannot get cash back for unused amount
• If you lose the code, Capitec cannot replace it

2. Capitec Top-Up Voucher

These vouchers add airtime or data to your cellphone. They work with all South African mobile networks. This includes MTN, Vodacom, Cell C, Telkom, and Capitec Connect.

Key features:

• Single-use only
• Works for any network operator
• Instant SMS confirmation after purchase
• Cannot be reversed once redeemed

3. OTT Voucher

OTT vouchers are for online shopping and services. Over 120 online shops accept them. You can use OTT vouchers for gaming, shopping, insurance payments, and lay-by purchases.

Key features:

• Valid for 36 months (3 years)
• 12-digit PIN sent via SMS
• Single-use voucher
• PIN also stored in app History tab
• Only R1 transaction fee

4. Blu Voucher

Similar to OTT vouchers. Blu vouchers are for online payments. They work with participating online retailers. You can buy them at Capitec or at Blu-approved retail stores.

Key features:

• Valid for 36 months
• Single-use only
• Safer than using bank cards online
• Cannot exchange for cash

5. Retailer-Specific Vouchers

These vouchers only work at one specific shop. Examples include Pick n Pay vouchers or Showmax vouchers. You cannot use them anywhere else.

Popular retailer vouchers available:

• Pick n Pay (all stores)
• Showmax (discounted streaming vouchers)
• Specific restaurant chains
• Clothing retailers

✅ How to Buy Capitec Vouchers

Method 1: Using the Capitec App (Recommended)

Step-by-step process:

Method 2: Using USSD Code

Dial *120*3279# from your cellphone. Follow the prompts to buy vouchers. This works on any phone, even without internet.

What You Need

• Active Capitec bank account
• Money in your main savings or access account
• Cellphone with Capitec app installed
• Remote PIN or biometrics set up

Where to Use Capitec Vouchers

Flexi Voucher Partners (27+ Retailers)

Food and Groceries:

• Pick n Pay (all stores including Express)
• Checkers
• Shoprite
• Usave

Restaurants and Takeaways:

• Mr D Food
• Nando’s
• Spur
• Steers
• Debonairs Pizza
• Wimpy
• Mugg & Bean
• Fishaways
• Burger King
• Vida e Caffè
• Krispy Kreme
• Milky Lane
• Col’Cacchio

Fashion and Clothing:

• Various participating clothing retailers
• Beauty and wellness stores
• Baby essentials shops

How to Redeem Flexi Vouchers

When paying at the till, tell the cashier you want to pay with a wiCode voucher. Give them your voucher code. The amount gets deducted from your bill. If your bill is more than the voucher, pay the difference with cash or card.

OTT and Blu Voucher Uses

• Online shopping (120+ stores)
• Lay-by purchases
• Online gambling deposits (Hollywoodbets, Betway via OTT)
• Insurance premium payments
• International voice calls (some services)
• Gaming platforms
• Investment platforms

Fees and Costs for Capitec Vouchers

Voucher Type	Purchase Fee	Minimum Amount	Maximum Amount
Flexi Voucher	R0 (Free)	R50	No limit
Top-Up Voucher	R0 (Free)	R5	R1,000
OTT Voucher	R1	R10	R3,000
Blu Voucher	R0 (Free)	R10	R3,000
Retailer-Specific	R0 (Free)	Varies by retailer	Varies by retailer

Real Cost Examples

🚨 Scam Warnings – Protect Yourself

Scammers target South Africans with fake voucher schemes. The South African Banking Risk Information Centre (SABRIC) reported a 40% increase in banking fraud in 2025. Here are the most dangerous scams to avoid.

1. Fake Free Voucher Scams

How it works: Scammers post on Facebook or WhatsApp about “free R500 Capitec vouchers”. They say you must click a link and give personal details. The link steals your information or installs malware.

How to protect yourself:

• Never click links from unknown sources
• Capitec only gives vouchers through official competitions on their verified social media
• Real Capitec vouchers never require your banking PIN or password
• Check for the blue verification tick on Capitec’s social media

2. Fake Mall Voucher Giveaways

How it works: People at shopping malls approach you. They say they work for Capitec or big brands. They offer free vouchers if you give your ID number and banking details.

How to protect yourself:

• Never give personal information to strangers at malls
• Real Capitec staff work inside branches, not at mall stands
• Legitimate competitions never ask for banking details
• Walk away if anyone promises “free vouchers” for your information

3. Voucher Purchase Phishing

How it works: You receive an SMS saying “Capitec Voucher Ready for Collection”. The message has a link to a fake website that looks like Capitec. When you log in, scammers steal your banking details.

How to protect yourself:

• Capitec never sends links to log into banking
• Only buy vouchers through the official Capitec app
• Check the sender number against Capitec’s official number: 0860 10 20 43
• Delete suspicious messages immediately

4. Lost Voucher Recovery Scams

How it works: You tell someone you lost your voucher code. They say they can help you recover it for a small fee. After you pay, they disappear.

How to protect yourself:

• Capitec cannot recover lost voucher codes
• No one else can recover them either
• Your voucher codes are stored in the app History tab
• Never pay anyone to “recover” a voucher

5. Fake Capitec Call Centre Scams

How it works: Someone calls claiming to be from Capitec. They say there is a problem with a voucher you bought. They ask you to sign into the app and do a transaction to “fix” the problem.

How to protect yourself:

• Hang up immediately
• Call Capitec yourself on 0860 10 20 43
• Use the new in-app call verification feature
• Capitec never asks you to do transactions to “fix” problems
• Save Capitec’s official number to your phone

Report Scams Immediately

If you encounter a scam, report it to:

• Capitec Fraud Line: 0860 10 20 43
• SABRIC (South African Banking Risk Information Centre): Report online at www.sabric.co.za
• South African Police Service (SAPS): Visit your local station
• Southern African Fraud Prevention Service (SAFPS): 0860 101 248

Your Consumer Rights and Protection

Important Terms and Conditions

Voucher ownership and responsibility:

• You are responsible for your voucher code once you receive it
• If the code is lost or stolen, Capitec cannot replace it
• If someone uses your code, Capitec cannot refund the money
• The person who buys the voucher can view the code in the app

Expiry and validity:

• Flexi vouchers expire after 3 months
• OTT and Blu vouchers expire after 36 months
• You cannot extend expiry dates
• Expired vouchers lose all value

Usage restrictions:

• Vouchers cannot be exchanged for cash
• No refunds if you change your mind
• Must use full amount in one transaction
• Unused balance is forfeited
• Cannot combine multiple vouchers in one purchase (for Flexi vouchers)

Your Rights Under Consumer Protection Law

The Consumer Protection Act protects you when buying vouchers. You have the right to:

• Clear information about how vouchers work
• Know all fees before buying
• Fair treatment from retailers when using vouchers
• Complain if vouchers do not work as advertised

Where to Get Help

Issue	Contact	Phone Number
Capitec voucher problems	Capitec Client Care	0860 10 20 43
Banking complaints	Banking Ombudsman	0860 800 900
Fraud or scams	SABRIC	www.sabric.co.za
Consumer protection	National Consumer Commission	0860 003 600
Financial complaints	FSCA	0800 110 443

Other Options Besides Capitec Vouchers

1. Other Bank Vouchers

• FNB eWallet: Send money to any cellphone number
• Standard Bank Instant Money: Collect cash at ATMs
• Nedbank Send-iMali: Similar to eWallet service
• ABSA CashSend: Send cash using phone numbers

2. Digital Wallets

• SnapScan: QR code payments at shops
• Zapper: Similar to SnapScan
• 1Voucher: Buy with cash at retailers
• Kazang: Available at spaza shops

3. Retail Gift Cards

• Pick n Pay Smart Shopper vouchers
• Shoprite gift cards
• Takealot vouchers
• Makro gift cards

4. Direct Bank Transfers

If sending money to someone with a bank account, consider using a normal EFT or instant transfer. This is often cheaper than buying vouchers.

Method	Best For	Typical Cost
Capitec Vouchers	Shopping online without bank card	R0 – R1
Cash Send	Sending money to people without bank accounts	R10 – R25
EFT Transfer	Sending money to bank accounts	R5 – R10
Retail Gift Cards	Giving gifts for specific shops	R0 (usually)

When to Use Capitec Vouchers

Capitec vouchers are excellent for safe online shopping without sharing your bank card details. The Flexi voucher is particularly useful for gifts or budgeting your grocery money. OTT vouchers provide secure access to online services and gaming platforms.

Safety First

Always buy vouchers only through the official Capitec app or by dialing *120*3279#. Never click links in messages about free vouchers. Save your voucher codes immediately in a safe place. Use the new call verification feature to check if calls from “Capitec” are real.

Plan Your Purchases

Remember that you must use the full voucher value in one transaction. Plan what you will buy before purchasing a voucher. Check expiry dates, especially for Flexi vouchers which only last 3 months. Do not buy more vouchers than you need.

Get Help When Needed

If you have problems with vouchers, contact Capitec immediately on 0860 10 20 43. The bank can help with most issues. Report any scams to SABRIC to protect other South Africans. Your consumer rights matter, and help is available.