I now believe when Capitec talks about simplified banking, because, their App is one of the easiest and light mobile application in all of the banking apps I know. You can argue with that – it takes you straight to the transactions menu, and do your banking and done.
There is no need to visit a branch for a statement, or balance inquiry or if you want to make amendments to your account such as daily limits, card limits – even when you want to stop a card if it has been stolen.
The secured Capitec Banking Mobile App opens a whole new world of banking for you, and it is available and supported by all smartphones.
You can download the App on your phone by simply search it on the App’s store, download and install the app – it’s free as there are no monthly fees. Not only is it free to download, oh my, it’s also free to use, on SA Networks (MTN, Vodacom, Telkom Mobile, and Cell C), you won’t be charged a single cent or Data. That’s right; you don’t have to top up your data to access the app. You don’t need data to purchase data; you don’t need airtime to purchase airtime, using the app. Go ahead, and try it.
[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]iRead: Emailing a bank statement using Capitec App[/ht_message]
Your everyday transactions using the App are protected by your 4-PIN digits remote code that you shouldn’t share with anyone.
You can make beneficiary payments from your App at a fraction of the branch cost and save.
THE CAPITEC APP MENU
[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Transact[/ht_message]
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- Once you access the transact option on your Capitec App using your Cellphone, you will be able to make payments to anyone (Any Bank in South Africa)
- You can make prepaid purchases such as Airtime (You can choose your own amount, currently starting from R12), Data, and SMSs, either for yourself or a friend.
- You can purchase electricity for your home, or friend’s home – and if you have lost the electricity token, you can simply view that last token – (However, after every purchase the token is normally sent to your number as confirmation)
- You can add beneficiaries (Can be clothing accounts, Capitec-registered accounts, or just your own accounts, or anyone using any bank in South Africa) – This gives room to modify, delete, view or sort your beneficiaries.
- You can make future-dated payments or recurring, this can be seen as Stop Orders.
- You can view all your transaction payments
- You can do credit facility transfers
- You can Stop and or dispute debit orders (However it’s only fair to say, if a debit order was of a bigger amount, you should visit the branch, and having said that, some debit orders cannot be disputed)
- You can email yourself a stamped statement using the App
- You can make payments using a Capitec bank client’s cellphone number
- Pay your DSTV account and Send Cash to family and friends.
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[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Save[/ht_message]
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- Once you tap the ‘Save’ button on your Capitec App, you can view your available account balances – you can view your account details and transaction details.
- You can view as well as email yourself the transaction history – money that’s been coming in and the money that’s been going out.
- You can transfer money into your savings accounts (As Capitec allows you to have multiple accounts in just one account, however, the first account is the Primary Account)
- You can set stop orders (Recurring and or future-dated payments)
- Now, you can fix your savings accounts, you also can create flexible savings accounts (Create as many accounts as you can and still earn interest) – you can also rename these flexible accounts and furthermore, you can turn any flexible account into a fixed account.
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[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Credit[/ht_message]
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- Once you tap the ‘Credit’ button on your Capitec Mobile Banking App, you can view your credit balances, credit plans details, and do credit facility transfers.
- You can view your credit rating and ways to improve it, and it is real, I’ve seen it. You can make payments to your credit account.
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[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Cards[/ht_message]
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- Once you access your ‘Cards’ on your Banking App, you can authorize and stop a lost or stolen card in seconds.
- You can update your card limits (Daily and Monthly)
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[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Budget[/ht_message]
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- With a budget, you can get a step-by-step guide and create a budget (I will come back to this, must be covered thoroughly)
- You can track your spending
- Be able to manage your money
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[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Profile[/ht_message]
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- Once you view your Profile (You can do so, at the top of the home screen menu) you can change your remote pin
- Modify or register SMS Update preferences
- View notice history, view and or email tax interest certificates
- View remote banking agreements as well as save and verify your email address for added security.
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[ht_message mstyle=”success” title=”” show_icon=”true” id=”” class=”” style=”” ]Insure[/ht_message]
- [ht_message mstyle=”info” title=”” show_icon=”” id=”” class=”” style=”” ]Capitec has made things easier with the App, and so you can take control of your own cover amount, and you can let them know how many people you want to cover, or choose the premium and Capitec will calculate the cover, and this is you personalizing your own plan as you want it. Read more[/ht_message]
How to register for the Capitec App
- Visit your nearest branch, bring along with you, your cellphone and your Global One Card
- The Consultant will initiate the registration, in the process, you will receive an SMS to download the app, or you have the App already downloaded from the App store. (It’s still okay)
- Once downloaded, install the app and enter the remote pin that you just created with the Capitec consultant – and start transacting (Never reveal your pin to anyone, NOT EVEN TO THE CAPITEC CONSULTANT OR ANYONE WORKING AT A BANK – IT’S YOURS ALONE)
OR ANOTHER OPTION, IF YOU ALREADY HAVE INTERNET BANKING WITH CAPITEC WITH TOKEN ON YOUR CELLPHONE:
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- Sign in to your internet banking Account
- Follow easy download steps
- Choose a new Remote PIN
- Enjoy banking with the Capitec App.
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You can contact Capitec on 0860 10 20 43 and or visit www.capitecbank.co.za for more information, Capitec is an authorized financial services provider (FSP 46669) and registered credit provider
Banking Simplified.
