How to Get Your Bank Statement from the Capitec App
Complete guide for South African residents
Last updated: November 2025
Quick Facts
- Emailing bank statements through the app is completely FREE
- Statements include electronic stamp (valid official documents)
- No need to visit a branch or ATM
- Takes only 2-3 minutes to get your statement
- Works 24/7 from anywhere with internet
Table of Contents
Why You Need Your Bank Statement
A bank statement is a document that shows all the money coming in and going out of your account. It lists every transaction for a specific time period.
You need bank statements for many important reasons:
- Loan applications: Banks need to see your income and spending before they give you a loan
- Rental applications: Landlords want proof that you can afford the rent
- Visa applications: Home Affairs requires proof of your financial situation
- Proof of income: When applying for jobs or government services
- Tax purposes: SARS may ask for statements to verify your income
- Personal budgeting: To track where your money goes each month
- Dispute resolution: To prove payments you made or money you received
As of November 2025, Capitec serves over 24 million South Africans. Their app makes getting statements quick and easy.
✅ How to Get Your Statement Using the Capitec App
This is the easiest and fastest way. It is completely free and you get an electronically stamped statement that is valid for all official purposes.
Step-by-Step Instructions:
Step 1: Open Your Capitec App
Find the Capitec app on your phone and tap to open it. You will need to enter your Remote PIN to log in.
Step 2: Choose Your Account
On the home screen, tap on the account you want a statement for. This might be your savings account, cheque account, or any other account you have with Capitec.
Step 3: Open the Menu
Look for three dots (⋮) at the top right corner of your screen. Tap on these dots to open the menu options.
Step 4: Select “Email Statement”
In the menu, you will see an option called “Email Statement” or “Email statement”. Tap on this option.
Step 5: Choose Your Date Range
Select how far back you want the statement to go. Common options include:
- Last month (30 days)
- Last 3 months (90 days)
- Last 6 months
- Custom date range (you can pick specific dates)
Step 6: Enter Your Email Address
Type in the email address where you want to receive the statement. Make sure you type it correctly to avoid sending your private information to the wrong person.
Step 7: Tap “Send”
After checking everything is correct, tap the “Send” button. The statement will be emailed to you within a few minutes.
Step 8: Check Your Email
Open your email inbox and look for an email from noreply@capitecbank.co.za. The statement will be attached as a PDF file.
Download the PDF to your phone or computer. You can then print it or send it to whoever needs it.
Setting Up the Capitec App for First-Time Users
If you do not have the Capitec app yet, here is how to get it working:
Downloading the App:
- For Android phones: Open Google Play Store, search for “Capitec Bank”, and tap “Install”
- For iPhones: Open the Apple App Store, search for “Capitec Bank”, and tap “Get”
- Make sure you download the official app (it will have the Capitec logo)
- The app is free to download
Activating the App (First Time):
You have three options to activate the app:
Option 1: Visit a Branch
Go to any Capitec branch with your ID. Bank staff will help you activate the app. This is the quickest method.
Option 2: Use the App Itself
Open the app and follow the instructions. You will need to take a selfie and scan your ID document. The bank will verify your identity and activate your app within a few hours.
Option 3: Use WhatsApp
Send a selfie and a photo of your ID to Capitec on WhatsApp at 067 418 9565. They will activate your app remotely.
You will need to create a Remote PIN (personal identification number). This is like a password for your app. Make it something you can remember but that others cannot guess.
Alternative Ways to Get Your Bank Statement
If you cannot use the app, there are other ways to get your statement:
Method 1: Internet Banking (Computer)
- Go to www.capitecbank.co.za on your computer
- Click “Internet Banking” at the top right corner
- Log in with your account number and password
- Click on the account you want
- Click “Email Statement”
- Choose your date range and enter your email address
- The statement will be emailed to you (also free)
Method 2: USSD Code (Cellphone Banking)
This works on any phone, even old phones without internet:
- Dial *120*3279# on your phone
- Choose option 10 (from the menu)
- Choose option 3
- Choose option 1 to accept terms
- Select your account
- Choose date range (e.g., 3 months)
- Enter your email address
- Confirm with your mobile banking PIN
Note: You must first register for cellphone banking at a Capitec branch.
Method 3: ATM (Cash-Accepting ATM)
- Go to a Capitec ATM or any cash-accepting ATM
- Insert your card and enter your PIN
- Select “Statements” or “Print Statement”
- Choose your account and date range
- The ATM will print a short statement
Important: ATM statements are shorter and may have fees. They usually only show recent transactions.
Method 4: Branch Visit
Go to any Capitec branch with your ID and bank card. Tell the staff you need a bank statement. They will help you.
Warning: Getting statements at a branch is the most expensive option. Try the app or internet banking first.
💰 Costs and Fees for Bank Statements
Here is what you will pay for statements in 2025:
| Method | Cost | Notes |
|---|---|---|
| App (Email Statement) | R0 (FREE) | Best option. Get it any time, from anywhere |
| Internet Banking | R0 (FREE) | Also free, need computer or tablet |
| USSD Code (*120*3279#) | R0 (FREE) | Standard SMS rates may apply |
| ATM Statement | Varies | May have small fee, limited transactions shown |
| Branch Statement | Most Expensive | Use this only if you have no other choice |
Capitec’s 2025 Fee Structure
In 2025, Capitec simplified their fees to five key amounts: R1, R2, R3, R6, and R10. This makes banking easier to understand.
- Monthly account fee: R7.50 (one of the cheapest in South Africa)
- Payments between Capitec accounts: R1
- Payments to other banks: R2
- Debit orders: R3
- Immediate payments: R6
- Cash withdrawals per R1,000: R10
🚨 CRITICAL: Scam Warnings for 2025
Banking fraud has increased by 40% in South Africa according to SABRIC. Scammers are targeting Capitec customers. Read this section carefully to protect your money.
Common Scams Targeting Capitec Users:
1. Fake Bank Calls (Vishing)
Someone calls pretending to be from Capitec’s “fraud department”. They say there is a problem with your account. They ask you to approve a transaction or give them your PIN.
THE TRUTH: Capitec will NEVER call you to ask for your PIN, password, or OTP. They will NEVER ask you to approve transactions over the phone.
2. SMS Phishing (Smishing)
You receive an SMS that looks like it is from Capitec. It says your account is blocked or has suspicious activity. The SMS contains a link.
THE TRUTH: Do NOT click links in SMS messages claiming to be from your bank. These links install viruses on your phone or take you to fake websites that steal your login details.
3. Fake ICASA or SAPS Officials
Scammers pretend to be from ICASA (communications authority) or SAPS (police). They say your identity was used for crime. They demand your banking details to “clear your name”.
THE TRUTH: Real ICASA and SAPS officials will NEVER call you asking for banking details over the phone.
4. SIM Swap Fraud
Criminals get your personal information (through phishing or other scams). They go to a phone shop pretending to be you and ask to move your number to a new SIM card. Once they have your number, they can access your banking app.
THE TRUTH: Never click suspicious links or give out personal information. Enable two-factor authentication when possible.
5. Push Payment Fraud
You receive a convincing message to pay money urgently (for example, “your delivery”, “your child’s school fees”, “to stop fraud on your account”). You make the payment yourself, but the account belongs to scammers.
THE TRUTH: Always verify payment requests by calling the person or company using a number you find yourself (not the number they give you).
How to Verify If Capitec Is Really Calling You:
Capitec added a verification feature to their app in 2025:
- While on a call with someone claiming to be from Capitec, keep them on the line
- Open your Capitec app on your phone
- Look at the top of the screen for a banner:
- Green banner = Real Capitec agent (you will see their name)
- Red banner or no banner = SCAMMER (hang up immediately)
What to Do If You Are Scammed:
- Act immediately: Call Capitec on 0860 10 20 43 to stop transactions or block your card
- Report to police: Open a case at your nearest police station
- Report to SABRIC: Contact the South African Banking Risk Information Centre
- Change your PIN: Change all your banking passwords and PINs
GOLDEN RULES TO PROTECT YOUR MONEY:
- Never share your PIN, password, or OTP with anyone
- Never click links in SMS or email from “your bank”
- Only call Capitec on their official number: 0860 10 20 43
- If someone calls claiming to be your bank, hang up and call them back yourself
- Never give your SIM card or phone to strangers
- If an offer sounds too good to be true, it is a scam
Troubleshooting Common Problems
Problem: The email is not arriving
- Check your spam or junk mail folder
- Make sure you typed your email address correctly
- Wait 10-15 minutes (it may take time)
- Check if your email inbox is full
- Try sending to a different email address
Problem: I forgot my Remote PIN
- You can reset your PIN through the app (look for “Forgot PIN”)
- Or visit any Capitec branch with your ID to reset it
- You can also call 0860 10 20 43 for help
Problem: The app is not working properly
- Check if your internet connection is working
- Close the app completely and open it again
- Update the app to the latest version
- Restart your phone
- If nothing works, delete and reinstall the app
Problem: The PDF will not open
- You need a PDF reader app (like Adobe Reader – free from app stores)
- The download may have failed – try downloading again
- Try opening it on a different device (computer or tablet)
Problem: The statement does not show all my transactions
- Check that you selected the correct date range
- Make sure you selected the right account
- Very recent transactions (last few hours) may not show yet
Getting Help from Capitec
If you still need help after trying these instructions, contact Capitec directly:
| Contact Method | Details | When to Use |
|---|---|---|
| Phone | 0860 10 20 43 | Available 24/7 for urgent help |
| 067 418 9565 | For non-urgent queries and app activation | |
| Branch | 880+ branches nationwide | For complex problems or ID verification |
| Website | www.capitecbank.co.za | Find branch locations and FAQs |
Educational Resources from Capitec:
- MoneyUp Chat: WhatsApp 087 240 5757 – Interactive financial education and scam warnings
- MoneyUp Academy: Free financial literacy courses (over 751,000 members)
- Fraud Centre: Visit their website for latest scam warnings
- Slam the Scam: Educational game about recognising scams
Our Final Recommendations
Getting your Capitec bank statement through the app is the best choice for most South Africans. It is free, fast, secure, and works from anywhere at any time.
The statements you receive by email have electronic stamps. This means they are valid official documents that you can use for loan applications, visa applications, and any other purpose.
Key things to remember:
- Download the official Capitec app from your phone’s app store
- Activate it at a branch or through the app itself
- Email statements are completely free with no charges
- Always be careful of scammers pretending to be your bank
- Never share your PIN, password, or OTP with anyone
- Use the app verification feature if someone calls claiming to be Capitec
With over 24 million customers as of November 2025, Capitec is South Africa’s biggest bank by customer numbers. Their app is designed to be simple and user-friendly, even for people who are not comfortable with technology. If you follow these instructions, you will have your statement in just a few minutes.
Disclaimer: This information is provided for educational purposes and was last updated in November 2025. Financial regulations, fees, and requirements may change. While Capitec’s app statements are free, other banking services may have fees. Always verify current information with Capitec directly before making financial decisions. Banking fraud is a serious problem in South Africa – always protect your personal information and be suspicious of unsolicited calls or messages claiming to be from your bank.
For Banking Complaints: Contact the Banking Ombudsman at 0860 800 900 or visit www.obssa.co.za
For Financial Regulation Issues: Contact the Financial Sector Conduct Authority (FSCA) at 0800 110 443 or visit www.fsca.co.za