How to Transfer Money Using Capitec Without the App (2026)

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Quick facts: You can send money from your Capitec account without the app using USSD codes, ATMs, or by visiting a branch. The USSD method works on any phone, even without data or a smartphone.

Table of Contents

  1. Method 1: USSD Code (No Data Needed)
  2. Method 2: Capitec ATM
  3. Method 3: In-Branch
  4. Method 4: Online Banking
  5. Method Comparison
  6. How to Send Cash Send Without the App

Method 1: Transfer Money via USSD Code

Capitec’s USSD banking works on any cellphone (including feature phones) and does not require data or airtime to use.

Step by Step

  1. Dial *120*3279# from the cellphone number linked to your Capitec account
  2. Select Transfers from the menu
  3. Choose the type of transfer (to another Capitec account, to another bank, or Cash Send)
  4. Enter the recipient’s details (account number or cellphone number for Cash Send)
  5. Enter the amount
  6. Confirm with your Remote PIN
  7. You will receive an SMS confirming the transaction

Limits: USSD transfers may have lower daily limits than app transfers. Check your specific limits by selecting Account Information on the USSD menu.

Method 2: Transfer at a Capitec ATM

  1. Insert your Capitec debit card at any Capitec ATM
  2. Enter your PIN
  3. Select Transfers
  4. Choose Transfer to Another Account or Cash Send
  5. Enter the recipient’s details
  6. Enter the amount
  7. Confirm the transaction
  8. Take your card and receipt

Capitec ATM transfers are available 24/7. You can transfer to other Capitec accounts and to accounts at other banks.

Method 3: Transfer at a Capitec Branch

Visit any Capitec branch with your ID and debit card. A consultant can help you make transfers, set up beneficiaries, and send Cash Send payments. This is a good option if you are not comfortable with digital methods.

Branch hours: Most Capitec branches are open Monday to Friday 8am-5pm and Saturday 8am-1pm. Some mall branches have extended hours.

Method 4: Capitec Internet Banking

If you have access to a computer with internet but not the app:

  1. Go to www.capitecbank.co.za
  2. Click Internet Banking
  3. Log in with your account number and Remote PIN
  4. Navigate to Transact > Transfers
  5. Add a beneficiary or select an existing one
  6. Enter the amount and confirm

Method Comparison

Method Needs Data? Needs Smartphone? Available Speed
USSD (*120*3279#) No No 24/7 Instant
Capitec ATM No No 24/7 Instant
Branch No No Business hours Instant
Internet Banking Yes (computer) No 24/7 Instant
Capitec App Yes Yes 24/7 Instant

How to Send Cash Send Without the App

Cash Send allows you to send money to anyone with a cellphone number, even if they do not have a bank account.

Via USSD

  1. Dial *120*3279#
  2. Select Cash Send
  3. Enter the recipient’s cellphone number
  4. Enter the amount (R50 to R3,000)
  5. Create a withdrawal PIN for the recipient
  6. Confirm with your Remote PIN
  7. Share the withdrawal PIN with the recipient (by phone call, not SMS for security)

Via ATM

  1. Insert your card and enter your PIN
  2. Select Cash Send
  3. Enter the recipient’s cellphone number
  4. Enter the amount
  5. Create a withdrawal PIN
  6. Confirm and share the PIN with the recipient

Disclaimer: This information is for educational purposes only. Verify current USSD codes, limits, and fees with Capitec. CodeCash.co.za is not affiliated with Capitec Bank.

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