How to Get Proof of Payment from Capitec
Complete guide for South African bank customers
Last updated: December 2025
Quick Facts
- Proof of payment is completely FREE from Capitec
- Get it instantly via the Capitec app
- Available 24/7 for all past transactions
- Can be sent by email or SMS
- Capitec NEVER charges for this service
Table of Contents
1. What Is Proof of Payment?
Proof of payment is a document from your bank. It shows that you paid money to someone. The document includes important details.
What the document shows:
- The date you made the payment
- The amount you paid in Rands
- Who received the money
- Your account details (sender)
- The recipient’s account details
- A reference number or payment reference
- Capitec’s official stamp or logo
This document proves you paid your bill or debt. It protects you if there is a dispute later.
✅ 2. Why You Need Proof of Payment
Many situations require proof of payment. Here are the most common reasons:
| Situation | Why You Need It |
|---|---|
| Rental payments | Prove you paid your rent on time |
| Municipal bills | Show you paid electricity or water |
| School fees | Confirm payment to the school |
| Loan payments | Show your loan is being paid |
| Tax purposes | Prove business expenses to SARS |
| Refund requests | Show you paid for something you’re returning |
| Disputes | Prove payment if company says you didn’t pay |
| Court cases | Legal proof of payment |
Remember: Proof of payment is your protection. Always save it when you pay important bills.
3. How to Get Proof of Payment (4 Methods)
Capitec offers you four ways to get proof of payment. All methods are free. Choose the one that works best for you.
Method 1: Capitec Banking App (Fastest)
Get proof of payment in under 1 minute. Available 24/7. This is the quickest and easiest method.
Method 2: Email Bank Statement
Request a bank statement by email. Shows all transactions for a specific period.
Method 3: Visit a Capitec Branch
Get a printed proof of payment at any branch. Takes 5-10 minutes. Bring your ID.
Method 4: ATM Statement
Print a mini statement at any Capitec ATM. Shows recent transactions only.
Best method for most people: Use the Capitec app. It’s free, fast, and works anytime.
✅ 4. Using the Capitec App (Step-by-Step)
This is the easiest way to get proof of payment. Follow these simple steps. The whole process takes less than 2 minutes.
Step 1: Open the Capitec App
- Find the Capitec app on your phone
- Tap to open it
- Sign in using your Remote PIN
- Or use your fingerprint to sign in
Step 2: Go to Transact
- Look at the bottom of your screen
- Tap on “Transact”
- Then tap “Payments”
Step 3: Select the Beneficiary
- Tap “Beneficiary” from the menu
- Find the person or company you paid
- Tap on their name
Step 4: Open Payment History
- Look for three dots (⋮) in the corner
- Tap the three dots to open the menu
- Select “Payment History”
- You’ll see all payments to this beneficiary
Step 5: Find Your Payment
- Look through the list of payments
- Find the payment you need proof for
- Check the date and amount to be sure
- Tap on that payment
Step 6: Send Proof of Payment
- Tap “Resend Payment Notification”
- Choose how to send it:
- Via Email (sends PDF to email address)
- Via SMS (sends to phone number)
- Enter the email address or phone number
- Tap “Send”
✅ Done! You will receive the proof of payment immediately.
Check your email or SMS. Download and save the PDF. You can now print it if needed.
5. Getting Email Bank Statements
If you need proof for multiple payments, get a bank statement. A statement shows all your transactions for a chosen period.
How to Get a Statement via the App:
- Open the Capitec app and sign in
- Go to the home screen
- Select your account (the one you made payments from)
- Tap the three dots (⋮) in the top right corner
- Select “Email Statement”
- Choose the date range (example: last 3 months)
- Enter your email address
- Tap “Send”
The statement arrives in your email within 2 minutes. It shows all transactions during that period.
What the Statement Includes:
- All money you received
- All payments you made
- ATM withdrawals
- Debit orders
- Card purchases
- Opening and closing balance
Getting Statements at a Branch:
You can also get printed statements at any Capitec branch:
- Visit any Capitec branch
- Bring your ID document
- Tell them you need a bank statement
- Specify the date range you need
- They will print it for you
Cost: Bank statements are FREE from Capitec. You pay nothing.
⚠️ 6. Fees and Costs (2025)
Good news! Capitec does not charge you to get proof of payment. Here is what you pay (or don’t pay) in 2025:
| Service | Cost |
|---|---|
| Proof of payment via app | R0 (FREE) |
| Email bank statement | R0 (FREE) |
| Branch printed statement | R0 (FREE) |
| Monthly account fee | R7.50 per month |
| SMS notification (optional) | Free with data bundle |
Capitec 2025 Simplified Fee Structure:
Capitec introduced a new, simple fee system in 2025. Only 5 price points:
- R1: Payments between Capitec accounts
- R2: Payments to other banks (EFT or PayShap)
- R3: Debit orders
- R6: Immediate payments (real-time transfers)
- R10: Cash withdrawals per R1,000 at any ATM
Important: Getting proof of payment is completely free. Capitec will never ask you to pay for this service.
🚨 7. SCAM WARNINGS – PROTECT YOURSELF
Digital banking fraud in South Africa reached R1.4 billion in 2024. Scammers are getting more sophisticated. Read this section carefully.
Common Proof of Payment Scams:
1. Fake SMS Links
How it works: You get an SMS saying “Click here to view your Capitec proof of payment.” The link looks real but it’s fake.
What happens: The link takes you to a fake website. It steals your banking details and password.
2. Phishing Emails
How it works: You receive an email that looks like it’s from Capitec. It says “Download your payment proof.”
What happens: The attachment contains a virus. Or the link steals your login details.
3. Fake Capitec Apps
How it works: Scammers send you a link to download a “Capitec app” via WhatsApp or SMS.
What happens: The fake app looks real. It steals all your money when you sign in.
4. OTP (One-Time PIN) Requests
How it works: Someone calls claiming to be from Capitec. They ask for your OTP to “verify” your proof of payment.
What happens: They use your OTP to steal money from your account immediately.
5. SIM Swap Scams
How it works: Scammers steal your identity. They swap your SIM card at a mobile shop. They then access your Capitec app.
Impact in 2024: SIM swap fraud cost South Africans R5.3 billion in 2024.
How to Protect Yourself:
✅ DO THESE THINGS:
- Only use the official Capitec app from Google Play Store or Apple App Store
- Never click on SMS or email links claiming to be from Capitec
- Type the Capitec website address yourself: www.capitecbank.co.za
- Keep your Remote PIN secret – never share it
- Use your fingerprint to log into the app
- Check email addresses carefully – look for spelling mistakes
- Call Capitec on 0860 10 20 43 if you’re unsure
- Enable SIM swap notifications with your mobile provider
- Report suspicious activity immediately
❌ NEVER DO THESE THINGS:
- Never share your OTP with anyone (not even “Capitec staff”)
- Never download banking apps from links sent via WhatsApp, Telegram, or email
- Never click on links in SMS messages about your bank account
- Never give your Remote PIN to anyone
- Never tell someone your password over the phone
- Never pay someone to get your proof of payment
- Never use public WiFi to access your banking app
- Never share screenshots of your banking app
What Capitec Will NEVER Do:
- Capitec will NEVER ask for your OTP via phone, SMS, or email
- Capitec will NEVER ask for your Remote PIN
- Capitec will NEVER send you a link to download their app
- Capitec will NEVER charge you to get proof of payment
- Capitec will NEVER ask you to move money to a “safe account”
- Capitec will NEVER phone and ask you to verify your account details
If You’ve Been Scammed:
- Call Capitec immediately: 0860 10 20 43
- Report it to SAFPS Scam Hotline: 083 123 7226
- Block your card via the app
- Change your Remote PIN immediately
- Report to the police (SAPS)
- Report to the Banking Ombudsman if Capitec doesn’t help
Remember: If something feels wrong, it probably is. Always verify by calling Capitec directly on their official number.
8. Getting Help and Support
If you have problems getting proof of payment, or if something goes wrong, here’s where to get help.
Capitec Customer Service:
| Contact Method | Details |
|---|---|
| Phone (General) | 0860 10 20 43 |
| From your cellphone | *120*3279# |
| 0860 102 043 | |
| clientcare@capitecbank.co.za | |
| Website | www.capitecbank.co.za |
If Your Complaint Is Not Resolved:
If Capitec doesn’t solve your problem, you can escalate to these organisations for free:
National Financial Ombud (NFO)
Free service to resolve banking disputes. Handles complaints against all South African banks.
- Phone: 0860 800 900
- Email: info@nfosa.co.za
- Website: www.nfosa.co.za
- Note: You must first try to resolve with Capitec
Financial Sector Conduct Authority (FSCA)
Government body that regulates banks and protects consumers.
- Toll-free: 0800 110 443
- Phone: 012 428 8000
- Email: info@fsca.co.za
- Website: www.fsca.co.za
National Credit Regulator (NCR)
For credit-related complaints (loans, credit cards).
- Toll-free: 0860 627 627
- Email: complaints@ncr.org.za
- Website: www.ncr.org.za
Report Scams and Fraud:
- SAFPS Scam Hotline: 083 123 7226
- SABRIC (Banking Risk Centre): www.sabric.co.za
- SAPS (Police): 10111 or visit your local police station
- Yima Scam Reporter: www.yima.co.za
Common Problems and Solutions:
| Problem | Solution |
|---|---|
| Can’t find the payment in history | Check the date range. Look under all beneficiaries. It may take 24 hours to show. |
| Email didn’t arrive | Check spam folder. Verify email address is correct. Try sending again. |
| App not working | Update the app. Check your internet connection. Restart your phone. |
| Proof shows wrong amount | Contact Capitec immediately on 0860 10 20 43. This could be an error. |
| Need older proof (over 6 months) | Visit a Capitec branch with your ID. They can access older records. |
Our Final Recommendations
Best Way to Get Proof of Payment:
Use the Capitec banking app. It’s free, fast, and available 24/7. You can get proof of payment in under 2 minutes from anywhere.
Important Safety Tips:
- Never pay anyone to get proof of payment – it’s FREE
- Only download the Capitec app from official app stores
- Never click on SMS or email links about banking
- Keep your OTP and Remote PIN completely secret
- Save all proof of payment documents for important transactions
If You Need Help:
Call Capitec on 0860 10 20 43 during business hours. Their staff can guide you through the process. If you have a complaint that Capitec doesn’t resolve, contact the National Financial Ombud on 0860 800 900 for free assistance.
Disclaimer: This information is provided for educational purposes and was last updated in December 2025. Financial regulations, fees, and procedures may change. Always verify current information with Capitec Bank before making decisions. We are not affiliated with Capitec Bank.
Consumer Protection: For banking complaints, contact the National Financial Ombud (NFO) at 0860 800 900 or visit www.nfosa.co.za
Report Scams: SAFPS Scam Hotline: 083 123 7226 | FSCA: 0800 110 443 | www.fsca.co.za