In short: Capitec Send Cash is a cash-collection product. There is no official Capitec feature that converts an uncollected Send Cash voucher straight into airtime or data inside the voucher. Collect the cash (or deposit it if you bank with Capitec), then buy airtime or data as a separate purchase — for example in the Capitec app under prepaid mobile. Not financial advice.
Sources: Capitec — Send Cash FAQs; Capitec Send Cash terms (PDF); Capitec — buy prepaid / Send Cash flyer (PDF).
What Send Cash actually does
Capitec clients can send cash via the banking app, internet banking or USSD *120*3279#. The sender creates a 4-digit secret code; Capitec issues a reference number. The recipient collects cash by presenting the reference and secret code at a participating retailer or Capitec ATM. Capitec’s Send Cash terms describe payout of cash against those credentials — not a mobile-network top-up.
There is no in-voucher “convert to airtime”
Search results that promise a single button to turn Send Cash into airtime are misleading. Official Capitec materials treat Send Cash and buy prepaid mobile as separate services. Do not follow a WhatsApp script that asks you to “convert” the reference number into airtime without collecting.
Practical path: collect, then buy airtime or data
- Collect the Send Cash at a listed retailer or Capitec ATM using the reference number and secret code (plus ID where required)
- If you have a Capitec account, deposit the cash and use the app: Capitec’s prepaid flyer describes Transact → Buy prepaid mobile, choosing a beneficiary, network and amount (including Capitec Connect, Cell C, MTN, Telkom Mobile and Vodacom)
- If you do not bank with Capitec, use the collected cash to buy airtime or data from a retailer or your network’s official recharge channels
Capitec Connect customers who already have airtime can convert airtime to bundles on *147# per Capitec Connect terms — that is unrelated to Send Cash collection.
Fees (confirm in-app)
Capitec’s 2026 personal banking fees PDF lists Send Cash at R10.00 per R1 000 for the sender (with remote-banking limits in the footnotes). Collection is described as free for the recipient. Always confirm the fee and limits in the Capitec app or current fees PDF before you send.
Safety
- Share the secret code only with the intended recipient
- Capitec will not ask you to pay an “airtime conversion fee” to a personal account
- Beware of anyone asking for both codes “so they can load airtime for you”
Last checked: September 2026 against Capitec’s published Send Cash FAQ/terms, prepaid flyer and 2026 fees PDF. Menus and partner stores can change — confirm on Capitec’s live help. Not financial advice.