In short: Paying from FNB into a Capitec bank account is an ordinary interbank payment. The fee depends on your FNB account package and whether you use a standard digital payment or a real-time rail (PayShap / Instant Payment / Pay & Clear Now). Read the rand amount on the FNB confirmation screen and in your account’s pricing PDF under Rates + Pricing on fnb.co.za. Timing is covered separately on the FNB to Capitec transfer time page. Not financial advice.
Sources: FNB Easy PAYU and Easy Bundle pricing guide (PDF); FNB Aspire pricing guide (PDF); FNB Rates + Pricing on fnb.co.za; PASA Credit Payments.
Fees versus arrival time
This page is about what FNB may charge you to pay a Capitec account. How long Capitec takes to show the credit depends on EFT, RTC-style immediate credit or PayShap. Use the timing guide for clocks. Do not mix a cheap batched EFT fee with a same-minute expectation.
Snapshot from FNB personal pricing PDFs (1 July 2026 to 30 June 2027)
Figures below are from FNB’s published annual pricing guides for those products. Your live fee can differ if FNB updates the PDF, if you are on another package (Premier, Private Clients, Business), or if you use assisted banking. Always confirm on the confirmation screen.
- FNB Easy PAYU and Easy Bundle: Payments via digital channels (including scheduled payments) to other banks are listed at R2 on both Easy PAYU and Easy Bundle. Transfers and scheduled transfers via online banking and the FNB App are listed at no charge. FNB-to-FNB digital payments are listed at R1 (PAYU) or unlimited at no charge (Bundle).
- FNB Aspire: Digital banking payments show FNB to FNB at no charge and FNB to other banks at R2. Assisted branch or telephone payments are listed much higher (R85 theme on the Aspire table).
- Real-time rails: Easy guides also price PayShap / Instant Payment / Pay & Clear Now separately (for example Easy PAYU lists FNB to other banks real-time payments at R3.50 in the real-time section; Easy Bundle may include a real-time value bundle). Read the row that matches the option name on your screen.
How to pay a Capitec account in FNB (fee-aware)
- Open the official FNB App or Online Banking. FNB’s app help describes tasks such as Add beneficiary and Pay recipient.
- Add or select the Capitec account details the recipient gave you (not an eWallet cellphone number unless you intentionally chose Send Money / eWallet).
- Enter amount and references. On the confirmation screen, note the payment type, the fee and any limit.
- If you need speed, select the real-time option only after you accept its fee. If you can wait for a batched EFT, the cheaper digital “other banks” line may apply for your package.
- Keep the proof of payment. Related: FNB proof of payment.
Costs that are not the payment fee
- Monthly account fees still apply under your package.
- Wrong-account recovery is not free and is not guaranteed. Credit payments are generally final once processed (PASA themes).
- Capitec does not charge you a separate “receive EFT” fee for a normal credit into a Capitec account in the way a Cash Send collection works. Recipient product rules still sit with Capitec.
What to confirm live
Open the pricing PDF for your account name on fnb.co.za, then match the fee on the payment confirmation screen. Packages and real-time bundles change.
Last checked: September 2026 against FNB Easy and Aspire pricing PDFs effective 1 July 2026 to 30 June 2027. Confirm fees on fnb.co.za and the payment screen. Not financial advice.