To transfer money from an FNB account to a Capitec account, add or select the Capitec account as a recipient in the FNB App or FNB Online Banking, check the account details and then make the payment. Use the recipient’s bank-account details, not an eWallet cellphone number. The exact menu labels and payment options shown by FNB can change.
FNB’s current app page lists guides called “Add beneficiary” and “Pay recipient”. Its Online Banking page also lists once-off payments and the option to add, edit or delete recipients. This article covers that payment task. For arrival-time questions, use the separate FNB-to-Capitec transfer-time guide.
What to get from the Capitec recipient
Ask the recipient to send their bank-account details through a channel you trust. Use the details exactly as they appear in their Capitec account or account-confirmation document.
- Account-holder name
- Capitec account number
- Account type, if FNB asks for it
- A clear recipient reference
If FNB asks for another bank detail, do not guess it or copy it from an old payment. Ask the recipient to confirm the current detail in their own Capitec app or official account document. A wrong account number can send money to the wrong account.
How to pay a Capitec recipient in the FNB App
- Open the official FNB App and sign in. Do not use a login link sent in a message.
- Open the payments or recipients area. FNB’s current app page describes the relevant tasks as “Add beneficiary” and “Pay recipient”; the wording in your version of the app may differ.
- Add the Capitec recipient if they are not saved. Choose Capitec when FNB asks for the destination bank, then enter only the account details supplied by the recipient.
- Select the FNB account you will pay from.
- Enter the amount and references. Use a reference that will help both you and the recipient identify the payment.
- Review the details before confirming. Check the destination bank, account number, account-holder details, amount and references on the FNB confirmation screen.
- Read the route, fee and availability shown by FNB. Do not assume that the option used for an earlier payment still has the same terms.
- Confirm the payment using the authentication requested by FNB. Keep your password, PIN and one-time password private.
If the recipient is already saved, open the recipient before paying and confirm that the bank and account number still match the details the person gave you. A familiar recipient name is not enough if their banking details have changed.
How to make the payment in FNB Online Banking
Type FNB’s Online Banking address into your browser or reach it from FNB’s official website. FNB lists once-off payments and adding, editing or deleting recipients as Online Banking features.
- Sign in to FNB Online Banking through the official FNB website.
- Open the payments area.
- Choose an existing recipient or add a new Capitec recipient.
- Enter or review the recipient’s bank-account details.
- Enter the amount and references.
- Review the payment route and any fee displayed by FNB.
- Confirm only when the destination details and amount are correct.
The app and Online Banking can look different after an update. Follow the labels displayed in your own FNB channel rather than relying on an old screenshot or an exact tap sequence from another device.
Choose the payment route shown by FNB
FNB may show more than one payment route. A normal interbank account payment and Pay and Clear Now are not interchangeable labels. Availability, fees and limits can depend on the route, account and current bank rules.
Read the description and cost shown before confirming. If arrival time is important, use the timing guide linked near the start of this article. Do not select a faster-looking option based only on an old fee or time quoted elsewhere.
Use an account payment, not eWallet
FNB lists eWallet separately from account payments. If the intended destination is the recipient’s Capitec bank account, use the account-payment route and the recipient’s bank-account details rather than selecting eWallet.
After you confirm the payment
- Check the payment status in your own FNB App or Online Banking.
- Keep the transaction reference where you can find it.
- Tell the recipient what reference you used.
- Ask the recipient to check their own Capitec account rather than relying only on a message or proof-of-payment image.
Do not treat a confirmation screen by itself as proof that the recipient can already use the money. If the payment is delayed, pending or disputed, follow the checks in Money Sent but Not Received?.
If something looks wrong
Stop before confirming if the account number, bank, recipient name or amount is not what you expected. Contact the recipient through a number or channel you already trust. If you have already paid and the details may be wrong, contact FNB promptly through an official support channel and keep the transaction reference. Recovery is not guaranteed.
Official sources
- FNB Banking App, including its Add beneficiary and Pay recipient guide links
- FNB Online Banking features
Information current on 13 August 2026. FNB can change its menus, routes, fees and service rules. Check the details shown in your own FNB channel before confirming a payment.