Quick Facts

• Send up to R3,000 per transaction using the Capitec app
• Fees start from R8 for amounts between R40-R1,000
• Receiver collects money free at retailers or Capitec ATMs
• No bank account needed for the receiver
• Money available instantly after sending

What is Capitec Cash Send?

Capitec Cash Send (also called eWallet) is a service that lets you send money to any South African mobile phone number. The person getting the money does not need a Capitec account or any bank account at all.

This service is very useful when you need to send money quickly to someone who:

• Does not have a bank account
• Needs cash urgently
• Lives far from a bank branch
• Does not have internet banking

The receiver gets a text message with a reference number. They use this number and a secret code to collect the cash at stores or ATMs. The money is available immediately.

✅ How to Send Money Using Capitec Cash Send

Method 1: Using the Capitec Banking App (Recommended)

This is the easiest and safest way to send money. Follow these steps:

1. Open the Capitec app on your phone and log in.
2. Tap on “Transact” at the bottom of the screen.
3. Enter your Remote PIN (this is your security PIN for the app).
4. Tap “Send cash” from the menu.
5. Select the account you want to send money from.
6. Enter the amount you want to send (between R40 and R3,000).
7. Create a 4-digit secret code that only you and the receiver know.
8. Tap “Next” and read the Terms and Conditions carefully.
9. Tick the boxes to accept and tap “Accept”.
10. Confirm by pressing “Yes” to send the money.

You will receive an SMS with the reference number. Send this reference number to the receiver. Then send the secret code in a separate message.

Method 2: Using USSD Code (Without the App)

If you do not have the Capitec app or internet data, you can use your phone’s dial pad. You must be registered for Mobile Banking first.

1. Dial *120*3279# on your mobile phone.
2. Reply with “9” when the menu appears.
3. Accept the Terms and Conditions by following the prompts.
4. Choose the account you want to send money from.
5. Enter the amount (between R40 and R1,000 with USSD).
6. Create a 4-digit secret code and remember it.
7. Enter your Mobile Banking PIN to complete the transaction.

You will receive an SMS with the reference number. Send this to the receiver, then send the secret code separately.

💰 Fees and Limits for Cash Send in 2025

How Much Does It Cost?

Capitec charges you (the sender) a fee to send money. The person receiving the money pays nothing to collect it.

Amount You Send	Fee You Pay	Method
R40 to R1,000	R8	App or USSD
R1,010 to R3,000	R16	App only

Transaction Limits

Using the Capitec Banking App:

• Maximum per transaction: R3,000
• Maximum per day: R5,000
• Maximum per month: R24,999

Using USSD (*120*3279#):

• Maximum per transaction: R1,000
• Maximum per day: R1,000
• Maximum per month: R24,999

Cost Example

How to Collect Capitec Cash Send

What You Need to Collect

• The reference number (sent by SMS to the sender)
• The 4-digit secret code
• Your South African ID document or card

Where to Collect (All Free)

You can collect Capitec Cash Send at any of these places with no collection fee:

Steps to Collect at a Store

1. Go to the till or customer service desk
2. Tell the cashier you have a cash transfer from Capitec
3. Give them your reference number and ID
4. Enter your 4-digit secret code when asked
5. Some stores may ask for your name and phone number
6. The cashier will give you the cash immediately

How Long is the Money Available?

The money stays available for 30 days. If the receiver does not collect it within 30 days, the money automatically goes back to the sender’s account.

If you have problems collecting: Call Capitec Client Care on 0860 10 20 43 for help.

🚨 Safety and Scam Prevention

Scams involving Cash Send services are very common in South Africa in 2025. Protect yourself by knowing the warning signs.

Common Cash Send Scams

How to Protect Yourself

• Never share your PIN, password, or OTP with anyone, including people claiming to be bank staff
• Send reference numbers and secret codes separately to the receiver
• Cover the keypad when entering PINs at ATMs or stores
• Check that ATMs look normal – walk away if something seems wrong
• Keep your phone secure with a PIN or biometric lock
• Do not use public Wi-Fi for banking transactions
• Call Capitec directly on 0860 10 20 43 if you are unsure about anything
• Report scam attempts to SABRIC on 011 641 8200

Common Problems and Solutions

Problem 1: Sent Money to Wrong Number

This happens when you type the wrong mobile number by accident.

Solution:

• If you still have the secret code, quickly collect the money yourself at an ATM before the wrong person gets it
• Call Capitec immediately on 0860 10 20 43 for help
• The bank may be able to cancel the transaction if it has not been collected yet

Problem 2: Receiver Forgot Secret Code

Solution: You (the sender) must remember and resend the secret code. The bank cannot tell you what the code is. If you also forgot, contact Capitec on 0860 10 20 43 for help reversing and resending.

Problem 3: Cash Not Available at ATM or Store

Solution:

• Try a different location – the ATM may be out of cash
• Check that you are using the correct reference number and secret code
• Make sure your ID matches the name the sender used
• Call Capitec on 0860 10 20 43 if the problem continues

Problem 4: Money Not Going Through

Possible causes:

• You do not have enough money in your account (remember to add the fee)
• You have reached your daily or monthly limit
• Your Mobile Banking is not registered – contact Capitec to register
• There may be a technical problem with the network

Alternative Money Transfer Options

If Capitec Cash Send does not work for you, or you want to compare options, here are other ways to send money in South Africa:

FNB eWallet

Similar service from First National Bank. The receiver can collect at FNB ATMs, Pick n Pay, Shoprite, and other retailers.

• Cost: Varies by amount, generally competitive with Capitec
• Limits: Up to R3,000 per transaction
• Works with: Any South African mobile number

Standard Bank InstantMoney

Standard Bank’s cash send service. Collection at Standard Bank ATMs and selected retailers.

• Cost: Tiered fees based on amount sent
• Collection: Standard Bank ATMs and partner stores
• Speed: Instant availability

Nedbank Send-iMali

Nedbank’s service for sending cash to mobile numbers.

• Collection: Nedbank ATMs nationwide
• Requirements: No bank account needed for receiver
• Process: Simple and quick via mobile banking

PayShap (New Option for 2025)

PayShap is South Africa’s new instant payment system. It lets you send money between different banks instantly using just a mobile number or ID number. The receiver must have a bank account.

• Cost: Very low fees (R1-R3 for most transactions)
• Speed: Money arrives in seconds
• Requirement: Receiver must have a bank account
• Works across: All major South African banks

Regular EFT (Electronic Funds Transfer)

If the receiver has a bank account, you can use a normal EFT transfer. This is usually cheaper than Cash Send.

• Cost: R2 at Capitec for transfers to other banks (2025 fees)
• Speed: Usually within 1-2 hours
• Requirement: You need the receiver’s bank account details

Your Consumer Rights and Where to Get Help

You Have Rights

As a Capitec customer in South Africa, you are protected by law. You have the right to:

• Clear information about fees before you send money
• Safe and secure banking services
• Help from the bank when things go wrong
• Report problems to official authorities
• Get your money back if the bank makes a mistake

Important Contact Numbers

Organisation	What They Help With	Contact
Capitec Client Care	All Cash Send problems and questions	0860 10 20 43
Banking Ombudsman	Complaints about banking services	0860 800 900
SABRIC (Scam Reporting)	Report fraud and scams	011 641 8200
SAFPS (Fraud Prevention)	Report fraud and get help	0860 101 248
FSCA (Financial Regulator)	Complaints about financial services	0800 110 443
SAPS (Police)	Report crimes and theft	10111

Steps to Make a Complaint

1. Contact Capitec first – Call 0860 10 20 43 and explain your problem. Most issues can be fixed at this stage.
2. Get a reference number – Write down the date, time, and reference number of your complaint.
3. Keep all evidence – Save SMS messages, reference numbers, and any proof of the transaction.
4. Give them time to fix it – The bank should respond within 7 working days.
5. Escalate if needed – If Capitec does not help, contact the Banking Ombudsman on 0860 800 900.

Capitec Cash Send is a reliable and affordable way to send money to people without bank accounts in South Africa. The service is simple to use and the receiver pays nothing to collect.

Best for: Urgent money transfers, sending cash to people without bank accounts, payments when you do not have account details.

Not ideal for: Regular payments to people with bank accounts (use EFT or PayShap instead to save on fees), sending amounts over R3,000 (must split into multiple transactions).

Top safety tips to remember:

• Never share PINs, passwords, or OTPs with anyone
• Send reference numbers and secret codes in separate messages
• Collect at stores rather than ATMs when possible for better security
• Verify any unexpected calls claiming to be from the bank by calling Capitec directly
• Report scams immediately to SABRIC on 011 641 8200

With the right precautions, Capitec Cash Send is a safe and convenient service that has helped millions of South Africans transfer money quickly and easily.