In short: A Standard Bank payment to Capitec is not one clock. PASA says a standard EFT is batched and typically shows later that day or a day or two later; RTC clears within 60 seconds. Standard Bank’s help centre calls the paid urgent option Immediate payment: about a minute or two to an existing beneficiary, and about 2 hours if you are paying someone new or you changed the beneficiary details. Their published Immediate fees are R10 under R2 000 and R50 for R2 000 or more (Capitec is on their Immediate bank list). PayShap is a separate rapid-payment product — Standard Bank publishes a PayShap single-transaction cap of R3 000; confirm live fees and daily limits in the Standard Bank app. Not financial advice.
Sources: PASA Credit Payments; Standard Bank — Immediate payment; Standard Bank PayShap; Capitec PayShap terms.
Standard EFT
Batched credit. PASA: successful instructions typically reflect later that day or a day or two later. Weekend and public-holiday EFTs wait for the next business clearing — see weekend transfer times. Do not treat a standard EFT as “immediate” just because the money left your Standard Bank balance.
Immediate payment (RTC-style, paid option)
Standard Bank’s help centre explains Immediate payment as the urgent toggle when you need an EFT to clear faster. Key points they publish:
- Not available for Standard Bank → Standard Bank payments
- Existing beneficiary, details unchanged: about a minute or two
- New beneficiary or amended details: about 2 hours (fraud / safety hold)
- Windows: DigiME with biometrics roughly 04:00–23:50; non-DigiME roughly 06:00–21:50
- Published max per transaction: R250 000 (DigiME biometrics) or R200 000 (non-DigiME)
- Published fee: R10 under R2 000; R50 for R2 000+
- Capitec and Capitec Business appear on Standard Bank’s Immediate bank list
- Cannot reverse once sent — check the Capitec account number first
PASA’s scheme description for RTC (cleared within 60 seconds; weekday daytime scheme max R5 million to 4pm; nights/weekends/public holidays R250 000) is the industry rail behind many “immediate” products — banks may still set lower limits and their own holds, as Standard Bank does for new beneficiaries.
PayShap
Standard Bank: register in the Banking App or Cellphone Banking (*120*2345#). Their PayShap page says funds get paid into the recipient’s account within minutes, and once paid the money is available to use immediately. Both banks must offer PayShap. Standard Bank currently publishes a PayShap single-transaction limit of R3 000 (Cellphone Banking daily PayShap limit listed separately at R10 000 and forms part of ATM / profile limits — confirm live). Capitec’s PayShap terms also publish R3 000 per transaction. Confirm the fee on the confirmation screen before you pay.
What to do
- In Standard Bank app / online, pay the Capitec beneficiary (or ShapID for PayShap).
- Choose standard EFT, toggle Immediate payment, or use PayShap if offered — read which one is selected before you confirm.
- Read the fee and any hold message on the confirmation screen.
- Keep proof of payment. If Capitec has not credited after the expected rail, both banks may need the reference.
Related
How long do SA bank transfers take? · Absa to Capitec · Money sent but not received
Last checked: September 2026 against PASA Credit Payments, Standard Bank Immediate payment / PayShap pages and Capitec PayShap terms. Confirm fees, windows and limits in-app. Not financial advice.