ICapitec Bank iyibhange elisebenza ezwenikazi laseNingizimu Afrika elinikeza izixazululo zokubhanga ezilula nezingabizi kakhulu kubantu ngamunye nakumabhizinisi. Leli bhange liyaziwa ngokunikeza amakhasimende izinzuzo ezifana nemali ebuyayo yangempela, izinzuzo, amakhredithi, umshwalense nokunye okuningi. Kuthiwa ukushintshela kwiCapitec kungenziwa kalula ngisho nangesithombe-selula, futhi amakhasimende amasha angase athole amakhadi mahhala noma angenele ukuphumelela imali engu-R5 000.
ICapitec futhi inikeza ukubhanga online okuphephile futhi okulula ukukusebenzisa, okuvumela amakhasimende ukufinyelela ama-akhawunti angamakhulu wokonga, izinhlelo zokonga, amakhadi esikweletu, noma ama-akhawunti we-Live Better Savings ngesikhathi esifanele. Amakhasimende angathumela imali, akhokhele abazuzi noma ama-akhawunti, athenge i-airtime, idatha namabhondeli we-SMS, ugesi, nokuningi.
Ngenkathi udinga usizo noma inkonzo namakhasimende, iCapitec inezindlela eziningi zokuxhumana. Ungaxhumana noCapitec ngocingo, i-WhatsApp, uvakashe igatsha, noma usebenzise isikhungo sosizo. Ukubika inkohlakalo, amakhadi alahlekile noma ebiwe, noma izikhalazo kungenziwa online.
Mayelana neCapitec
ICapitec Bank ingumhlinzeki wezinsizakalo zezezimali otholakala eStellenbosch, esifundeni seWestern Cape, eNingizimu Afrika. Le bhange, eyasungulwa ekuqaleni kwekhulu lamabili nanye, inikeza imikhiqizo eyahlukene yezimali ngaphansi komkhiqizo wayo odumile owaziwa njenge-Global One. Ngobuchwepheshe bayo obuthuthukile kanye nendlela ebheka izidingo zamakhasimende, iCapitec iye yazuza idumela lokuba ngomunye wabaholi bezinsizakalo zezezimali eNingizimu Afrika.
| Ikheli Lenhloko-dolobha | Inombolo Yabasebenzi |
|---|---|
| Stellenbosch, Western Cape | +14,000 |
ICapitec inezigatshana eziningi ezisakazeka kwilokishi yonke yaseNingizimu Afrika, izimisele ukunikeza izinsizakalo ezifinyeleleka kalula kanye nentuthuko eqhubekayo ekusebenzelaneni kwamakhasimende. Izinsizakalo zayo zezimali zigxile ekubeni zilula, zithembekile futhi ziqondene nezidingo zamakhasimende ayo.
- Amasevisi Anikezwayo:
- Ukuvulwa kwe-akhawunti
- Ukuthola imali mboleko
- Ukonga kanye nesicelo sekadi lemali
Ngokwezibalo zamuva, iCapitec isikhule isiba nemali engenayo (revenue) enkulu futhi lokhu kunikeza ubufakazi bendlela eliphumelela ngayo ibhange lemalimboleko nezinsizakalo zalo zezezimali. ICapitec Bank isebenza ngemigomo yobuqotho nokusobala, okuyizindlela eziphumelela ekwakheni ukwethembana kwamakhasimende. Ukuhlinzeka ngensizakalo yebanga eliphezulu kumakhasimende yilokho okuhlanganisa iCapitec kanye nabantu baseNingizimu Afrika nsuku zonke.
Izinhlelo Zokulondoloza
IBanke yakwaCapitec inikeza izinhlelo zokulondoloza eziyisisekelo nezigqugquzelwayo ezenzelwe ukuthuthukisa impilo yezimali yamakhasimende. Ake sibheke izinketho ezitholakalayo kanye nezici zazo.
I-Akhawunti Yokulondoloza
I-Capitec Bank inikeza i-Akhawunti Yokulondoloza enzela amakhasimende ithuba lokuvula i-akhawunti yokulondoloza ngokushesha nangendlela elula. I-akhawunti iyakwazi ukugcina izimali zakho ziphephile futhi zifinyeleleka lapho uzidinga.
I-Akhawunti Yokulondoloza Egqugquzelwayo
Njengokulondoloza okunenzuzo ethe xaxa, i-Capitec inikeza i-Akhawunti Yokulondoloza Egqugquzelwayo. Le akhawunti inikeza amakhasimende izinga lenzalo eliphezulu uma kuqhathaniswa nezinye izinhlobo zokulondoloza, ikakhulukazi uma izimali zingahoxiswa isikhathi eside.
Amacebo Okulondoloza Imali
Kunezinhlobo ezihlukene zezinhlelo zokulondoloza imali ezitholakala ku-Capitec, okubandakanya i-Flexible Savings Account nezinhlelo zekusasa ezifana nezindlela zendabuko zokulondoloza, ezinikeza ukuguquguquka kwamakhasimende ukuthi angakha uhlelo lwabo lwezimali olufanelekayo. Amacebo okulondoloza ayahluka ngokuya ngokuthi yini ebalulekile kumakhasimende, kungaba ukuphepha, ukufinyelela kuzimali, noma izinzuzo zenzalo.
Izinsizakalo Zokukhokha
I-Capitec Bank inikeza amakhasimende ayo izindlela ezahlukene zokwenza izinkokhelo, kusukela ekukhokheni ugesi kuya ekuthumeleni imali nge-‘Send Cash’. Izinhlelo zebhange zenzelwe ukuphathwa kwezinkokhelo zansuku zonke kanye nezidingo zezimali zesikhathi esizayo.
Izinkokhelo Ze-Electricity
I-Capitec ivumela amakhasimende ukuthi akhokhe ugesi ngokuqondile kwi-akhawunti yabo yasebhange. Lesi sici siqinisekisa ukuthi izakhamizi zingathenga ugesi ngezindlela ezilula nangezishelelayo.
I-Send Cash
I-‘Send Cash’ sisici esivumela amakhasimende ukuthumela imali kubantu abaseduze noma kude ngaphandle kokudinga i-akhawunti yasebhange. Imali ingathunyelwa isuka ku-akhawunti eyinhloko yokonga kuya kunoma iyiphi izitolo ezivumelwaneni no-Capitec.
I-Debit Orders
I-Debit Orders ingumyalo othunyelwe ebhange yi-Capitec ukususa imali njalo ngenyanga kwi-akhawunti yomamukeli ohlukile. Le nketho yenza kube lula ukukhokhela izinsizakalo ezifana nentela yomkhandlu, izilinganiso kanye nezinye izinkokhelo ezijwayelekile.
Izinkokhelo Zikusasa Ezenziwe Kuqala
Izinkokhelo zikusasa ezenziwe kuqala zivumela amakhasimende ukuseta izinkokhelo ukuba zenzeke ngokuzenzakalelayo esikhathini esithile esizayo. Lokhu kusiza ukuphatha izimali kanye nokugcina ukulandelela okuhle kokuziphatha kwezezimali.
Ukuphikisana Nezinkokhelo Ze-Debit Orders
Amakhasimende anelungelo lokuphikisana nezinkokhelo ze-debit orders angase azithole zingafanele. I-Capitec inikeza inketho yokubika nokuphikisana nesinkokhelo esingekho emthethweni noma esiphuthumayo esithathwe kwi-akhawunti yabo ngaphandle kwemvumo.
Izinsizakalo ZeBhange Online
I-Capitec Bank inikeza izinsizakalo zebhange online ezilula futhi ephephile. Abasebenzisi bangajabulela ukufinyelela ku-akhawunti yabo yokonga, izicelo ze-credit card, kanye nokuphatha izitatimende zebhange kalula ngokusebenzisa i-internet.
Ukuhwebelana Ngebhange Elisemandleni
Abasebenzisi beCapitec Bank bangathola ukusebenza kwezimali okuphephile futhi okulula ku-online banking. Lokhu kufaka phakathi ukudluliswa kwemali phakathi kwama-akhawunti ahlukene, ukukhokha abenzi bezinkokhelo, nokugcina ulwazi lwabo lwezimali lubuyekezwe futhi luphephile. I-Capitec isebenzisa ubuchwepheshe bokuphepha besimanje ukuqinisekisa ukuthi idatha yamakhasimende iphephile.
Izicelo ZeCredit Card
I-Capitec ibonelela amakhasimende ngezinsizakalo zokuphatha i-akhawunti yabo yekhadi le-credit online. Lokhu kuhlanganisa ukukwazi ukubheka ukulinganiselwa, ukusebenzisa izimali kanye nokwenza izicelo ezintsha noma ukuthola ulwazi olwengeziwe ngamakhadi abo. Banikeza inqubo ebanzi futhi elula yokuthi amakhasimende akwazi ukudlulisa imali yabo nokuphatha izinkokhelo zabo ze-credit card.
Isitatimende Sebhange
Amakhasimende angabuka futhi aphathe izitatimende zabo zebhange ngokusebenzisa i-internet. Isici esivumelana ne-Capitec online banking sinikeza abasebenzisi ithuba lokuhlola izibalo zabo zakamuva, ukubona ukufika kweholo labo, nokuhlola ukuthi izinkokhelo eziyizinkontileka zixhunywe kanjani. Lokhu kusiza kuqinisekisa ukuthi amakhasimende ahlale enolwazi olusha ngesimo sezimali zabo.
Amasevisi Omshuwalense
ICapitec Bank inikeza amakhasimende ayo amasevisi omshuwalense ajulile nezixazululo ezahlukene. Le mishwalense inikezwa ngokubambisana nezinkampani ezihlonishwayo emkhakheni womshuwalense, okuqinisekisa ikhwalithi yesevisi kanye nokwethembeka.
Umshuwalense Wezimoto
- Ukuvikelwa kwezinhlekelele zomgwaqo
- Ukumbozwa kokwebiwa kanye nokulahlekelwa
- Ukusekelwa kwezindleko zomthetho kanye nezindawo zokukhanda
Umshuwalense Wezindlu
- Ikhava yokuvikela isakhiwo kanye nokulungiswa
- Ukuvikelwa kwempahla yasendlini
- Isiqinisekiso sokubuyiselwa kwemali uma kunezimo eziphuthumayo
Umshuwalense Wempilo
- Izigidi zemali yokumboza ezimweni zokulimala noma ukugula
- Imali yosizo lwezindleko zezokwelashwa
- Ukusekelwa kwezezimali kwabathintekayo uma umnikazi wepholisi edlula emhlabeni
Abathengi bangakhetha umshuwalense ohambisana nezidingo zabo futhi bazuze ngokuhlangenwe nakho kokusebenzisa uhlelo lwamabhangi immunye nezinsizakalo zomshuwalense. ICapepitec iyaqinisekisa ukuthi umshuwalense wabo uncindezelo oluphansi, into ebalulekile kubathengi abafuna ukuvikeleka ngaphandle kokukhathazeka ngezindleko ezingeziwe noma inqubo ephikisanayo yokufaka izicelo.
Ukuphepha Komsebenzisi
Ukuphepha kwezimali zomsebenzisi kubalulekile ku-Capitec, yingakho kunohlelo lwesimanjemanje lokuvikela amakhasimende. Lolu hlelo luhlanganisa izindlela zokuphepha ezahlukene ukuze kuqinisekiswe ukuthi izimali zomsebenzisi ziphephile.
Ama-Daily Card Limits
Capitec inikeza amakhasimende ithuba lokusetha ama-daily card limits azo. Lokhu kusho ukuthi umsebenzisi angakhawulela inani eliphezulu lemali elingase lidluliswe noma likhishwe nsuku zonke usebenzisa ikhadi lakhe le-Capitec. Lokhu kuvikela amakhasimende ekulahlekelweni imali eningi kungafanele.
I-PIN Yokuphepha
Ukusetshenziswa kwe-PIN yokuphepha kuyingxenye yezindlela ezinamandla zokuvikela akhawunti yomsebenzisi. Capitec iqinisekisa ukuthi i-PIN igcinwa iyimfihlo futhi ikhuthaza amakhasimende ukuthi angayishintshi njalo ukugwema ukuthi ibe yingozi yokuphepha.
Amakhodi we-QR
Ubumfihlo obengeziwe bunikezwa ngokusebenzisa amakhodi we-QR emisebenzini eyahlukene yebhange. Lena indlela ephephile futhi esheshayo yokwenza izinkokhelo, ngaphandle kokudalula imininingwane yebhange lomsebenzisi.
Impendulo Ye-PIN Engokude
Capitec iphinde inikeze impendulo ye-PIN engokude ngokusebenzisa uhlelo lwayo lweselula. Lokhu kuvumela umsebenzisi ukuthi akwazi ukuvikela akhawunti yakhe ngisho nasekude, anikeze impendulo ye-PIN nge-remote uma ekhona isidingo sokuthi angene noma aqinisekise umsebenzi othize.
Ezokuthenga Ngekhadi
Izindlela zokukhokha zisukile ebangeni elibalulekile kuye ekusebenziseni ubuchwepheshe obuphambili, enikeza abathengi inkululeko yokukhokha ngendlela elula neyashesha. Ake sibheke ezinye zezindlela ezintsha zokuthenga usebenzisa ikhadi laKwaCapitec.
Ukusondeza Ukuze Ukhiphe
KwaCapitec, abathengi banakho ukukhetha ukuhoxa imali emshinini we-ATM ngaphandle kokusebenzisa ikhadi, benza inqubo ibe lula futhi ivikeleke. Lesi sici sivumela umthengi ukuthi asebenzise uhlelo lwakwaCapitec ku-smartphone yakhe ukuthi asondeze idivayisi kumshini we-ATM bese ehoxa imali angakhombisi ikhadi.
Ukuthengiselana Ngekhadi Lokuxhumana
Abathengi baKwaCapitec banethuba lokwenza ukuthengiselana ngokuxhumana ngekhadi (tap to pay), lapho ikhadi elinesici sokukhokha ngokuthinta nje lithintwa kumshini wokukhokha futhi inqubo yokukhokha iqedwa ngaphandle kokufaka ikhadi emushinini wokukhokha. Le ndlela yokukhokha ayidingi ukuthi ikhasimende afake ikhadi lakhe emshinini noma akhokhe ngemali, okwenza kube lula nokuthi kuvikeleke kakhudlwana ekukopeleni kwedatha yebhange noma ukwebiwa kwekhadi.
Izinhlelo Zokuxhaswa
ICapitec Bank inikeza izinhlelo zokuxhaswa ezenzelwe ukwenza izinto zibe lula kumakhasimende ayo, ngezinsizakalo ezifana ne-akhawunti yebhizinisi, ukufakwa kwabasefuzisayo, kanye nezinhlelo ezethembekile zemiyalo ye-DebiCheck. Lezi zinhlelo zihloselwe ukubuyisela ukulawulwa kwezezimali ezandleni zamakhasimende, ngenkathi ziqinisekisa ukuphepha nokusebenza kahle kwezimali zawo.
I-Akhawunti Yebhizinisi
ICapitec iyabona isidingo esikhulu sezinsizakalo zebhange elisezingeni eliphezulu ngamabhizinisi amancane naphakathi, okuwumgogodla wokukhula komnotho. I-Akhawunti Yebhizinisi lapha iklanyelwe ukuphendula izidingo ezithile zalezi zinhlobo zamabhizinisi, enikeza amathuluzi adingekayo ukuze alawule izimali zawo ngokufanele futhi aqinisekise ukuhamba kwezimali okungaphazamiseki.
Ukungeza Abasefuzisayo
Uma kufanele ungeze abasefuzisayo ebhizinisini lakho noma kwi-akhawunti yakho yomuntu siqu, iCapitec ihlinzeka ngendlela elula nenqubo ecacile yokwenza lokhu. Ukungeza abasefuzisayo kwenza kube lula ukuhambisa izimali nokuphatha izinkokhelo zansuku zonke, okuyingxenye ebalulekile yokuqinisekisa ukuphathwa kwemali okusebenzayo kunoma yiliphi ibhizinisi noma umnikazi we-akhawunti.
Imiyalo Ye-DebiCheck
Imiyalo ye-DebiCheck iwuhlelo olusha oluvumela amakhasimende eCapitec ukuthi alawule ngokunembile futhi avikele izinkokhelo ezithwalwa yi-akhawunti yabo ngokuvumelana nemibandela ethile. Lolu hlelo luhloswe ukuvikela amakhasimende ekukhokheni imali engagunyaziwe futhi luqinisekisa ukuthi bahlala bezazi zonke izinkokhelo ezenziwa ezindaweni zabo zebhizinisi noma eziqondene nomuntu siqu.
Izinsizakalo Zokuphatha Imali
IBhange laseCapitec linikeza amakhasimende izindlela eziningi nezilula zokwenza izimali zabo zisebenze kahle. Amakhasimende angakwazi ukuhlela izidingo zabo zezimali ngokushesha nangokuphepha, kusuka ekudluliseni imali kuya ekuhleleni imingcele yemisebenzi yamakhadi abo.
Ukudlulisa Imali
Ukudluliswa kwemali phakathi kwama-akhawunti akho kungenziwa kalula nangokuphephile usebenzisa izinsizakalo ze-intanethi noma uhlelo lokusebenza lweCapitec. Amakhasimende angathumela imali ku-akhawunti yasebhange engaphakathi noma yangaphandle yeCapitec ngaphandle kokushiya induduzo yekhaya labo.
Thenga I-Airtime
Amakhasimende eCapitec angathenga i-airtime noma idatha ngqo kusuka ku-akhawunti yabo yasebhange, nge-online banking noma usebenzisa uhlelo lokusebenza lweCapitec. Lokhu kwenza kube lula ukugcina ukuxhumana kwabo kungaphazanyiswa.
Hlela Imingcele Yekhadi Lakho Lomsebenzi
ICapitec inikeza ikhono lokusetha noma ukuhlela imingcele yansuku zonke yekhadi lokusebenza, okukuvumela ukuthi ulawule ukusetshenziswa nezinsiza zakho zezimali. Lesi sici sisiza ekuvikeleni abathengi emsebenzini ongaqondile noma ekuthengeni okungenzeka kungafuneki.
Ukuphathwa Kwe-Akhawunti
Ukuphathwa kwe-akhawunti yasebhange enkulu njenge-Capitec kudinga ukunakwa okuqhubekayo kanye nokuvuselelwa kwezilungiselelo zemisebenzi yansuku zonke. Ukuqinisekisa ukuthi amakhasimende ayakwazi ukuphatha ama-akhawunti awo ngendlela efanele, i-Capitec inikeza izinhlelo ezahlukahlukene nezici ezibucayi.
Absa Account Details
Amakhasimende e-Capitec angathola futhi aqophe imininingwane yama-akhawunti abo kumasistimu e-inthanethi e-Capitec. Lokhu kubalulekile ukuqinisekisa ukuthi amakhasimende ahlale enolwazi olufanele kanye namakheli e-imeyili abuyekeziwe ukuze aqhubeke nokuthola imininingwane efanele mayelana nama-akhawunti abo nezinsizakalo zasebhange.
Ukuvuselelwa Kokuhlukaniswa Kwe-SMS
I-Capitec inikeza izilungiselelo zokuvuselelwa kwe-SMS ukuze amakhasimende ahlale aqaphile ngokusebenza kwe-akhawunti yabo. Ukuthumela ama-SMS ngezinguquko nezaziso kuyindlela ephumelelayo yokugcina amakhasimende azisiwe.
Iziyalezo Zentela Zezentela
Amakhasimende angacela futhi athole iziyalezo zentela zenzalo ngokushesha nge-elektroniki. Lokhu kusebenziseka kakhulu uma sekuyisikhathi sokufakwa kwemibiko yentela yonyaka, futhi i-Capitec inikeza izitatimende ezenziwe ngogesi ezisemthethweni ukuze zilungele lowo msebenzi.
Izinombolo Ezenziwe Ngogesi
I-Capitec iyaqhubeka nokuthuthukisa ubuchwepheshe bayo, ibanikeza izinombolo ezenziwe ngogesi zokusetshenziswa ezimweni eziningi, okuhlanganisa nokuthunyelwa kwezitatimende zenyanga zibhalwe ngogesi.
Ikheli Le-imeyili
Ukugcina ikheli le-imeyili elibuyekeziwe kubalulekile ekuphathweni kwe-akhawunti kunoma yiliphi ibhange. Ama-imeyili asetshenziswa njengembobo eyinhloko yokuxhumana phakathi kwe-Capitec namakhasimende ayo, nokudlulisela ulwazi olubalulekile ngesikhathi esifanele.
Izinsiza Ezintsha
ICapitec Bank inikeza izinsiza ezintsha ze-digital banking, ihlose ukwenza lula impilo yamakhasimende ayo. Lesi sikhungo sezimali singenye ye amabhange akhula ngokushesha eNingizimu Afrika, sisebenzisa ubuchwepheshe obuphambili ukubhekana nezidingo zemali zesimanje.
I-App yeCapitec yakhelwe ukunikeza amakhasimende ukulawula okugcwele kuma-akhawunti abo. Le app ihlinzeka ngamasevisi athile ngaphandle kwezindleko zedatha, okusiza amakhasimende ukonga imali. Ngokusebenzisa le app, amakhasimende angathola umenywa kangcono wezimali, okufana neMoney In/Money Out messages, aqinisekisa ukuthi banolwazi olusha ngazo zonke izenzo ezenziwe ma-akhawunti abo.
Ngaphandle kwalokho, iCapitec ithuthukise isici esisha se-Selfie ID, lapho amakhasimende angazazisa khona ngezithombe, lena indlela eyisimanjemanje nezokuphepha. Ngalesi sici, isikhathi sokuvula ama-akhawunti sinciphisa kakhulu, futhi inqubo yenziwa ibe lula.
Abashayeli bezimali bazokujabulela ukuhlangana ne-EasyEquities, lapho bezokwazi ukutshala imali futhi bahlaziye amapothifoliyo abo ezitokisi ngokushesha nangesikhathi sangempela.
Njengoba ubuchwepheshe buqhubeka bufaka isandla ekuhlinzekeni izinsizakalo zasembangeni, iCapitec izibophezele ekunikezeni izinsiza ezisebenzisana nobuchwepheshe bamamuva, ezilungiselelwe ukuphathwa kwezimali okulula nokuphephile kumakhasimende.
Imibuzo Evame Ukubuzwa
Lapha ungathola izimpendulo ezicacisiwe kumibuzo evame ukubuzwa mayelana nezinsizakalo zasebhange i-Capitec nezinqubo zayo ezijwayelekile zebhange.
Ingabe ngingavula i-akhawunti ye-Capitec ngaphandle kwe-inthanethi?
Uma unesifiso sokuvula i-akhawunti ye-Capitec, kudingeka ukuthi uvakashele igatsha le-Capitec ukuze uqedele inqubo yokubhalisa. Ukuvula i-akhawunti akukenzeki ngaphandle kwe-inthanethi.
Ngingayilanda kanjani i-app ye-Capitec?
Ukuthola i-Capitec app esemthethweni, vakashela isitolo sakho sohlelo lokusebenza, njengeGoogle Play Store noma i-Apple App Store, bese usesha i-“Capitec”. Landela izinyathelo zokulanda nofakelo oluvela esitolo sohlelo lokusebenza.
Ngingalusebenzisa kanjani uhlelo lwebhange le-capitec online?
Sebenzisa ingosi ye-intanethi ye-Capitec ngokungena ku-akhawunti yakho online banking platform ngemvume yomsebenzisi negama lokungena eliqinisekisiwe. Ngemuva kwalokho, ungaphethe imisebenzi yakho yebhange njengokudlulisa imali, ukubheka izibuyekezo, nokukhokha izikweletu.
Ngabe i-Capitec inawo amasevisi ebhange lamazwe ngamazwe?
I-Capitec inikeza izinketho zokwamukela imali evela phesheya kwezilwandle, kodwa ayivumeli ukudluliselwa kwemali kwamanye amazwe okuqondile ngokusebenzisa i-akhawunti ye-Capitec yeklayenti. Inkampani isebenzisa ubambiswano nezinye izindawo zebhange ukwenza lokhu kwenzeke.
Bangakanani abasebenzi be-Capitec abaholayo?
Imininingwane nemishwana yokuhola kwabasebenzi be-Capitec ihluka kuye ngohlobo lomsebenzi nezidingo zesikhundla. Kwezinye izimo, umholo ungatholakala ngokuqoqa imininingwane ethile evela emithonjeni esemthethweni yasebhange.
Ngingathintana kanjani nenombolo yokuxhumana ye-Capitec?
Uma ufuna ukuxhumana ne-Capitec, ungashayela inombolo 0860 10 20 43 ukuze uthole usizo kanye nencazelo ezingeziwe mayelana nezinsizalo nezinkonzo ezinikezwa yibhange.