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Send cash
The money you send can be collected for free
anywhere in SA, no bank account needed.
How to send cash using our app
1. Tap Transact
2. Tap the button to send cash
3. Choose "From" account
4. Enter the amount you want to send
5. Create a 4-digit secret code (this will be used to
collect the cash)
6. Tap Send
7. Read the terms and conditions, tick the boxes and
tap Accept
8. Tap Yes to confirm the transaction
9. Tap the Share Reference Number button on the
successful screen of the Send cash transaction to
share the reference number using your favourite
messaging platforms (e.g WhatsApp)
10. Send the secret code to the recipient in a separate
message
How to send cash using Internet
banking
1. Sign in on Internet banking
2. Go to the payments menu
3. Select Send Cash
4. Click Continue to send cash
5. Select ‘From’ account
6. Enter the amount to be sent
7. Create the 4-digit secret code
8. Click Send the Cash
9. Open the Capitec app and approve the authorisation
message
How to view your send cash history
using Internet banking
1. Sign in on Internet banking
2. Go to the payments menu
3. Select Send Cash
4. Click View my Send Cash history
How to update the secret code for
unredeemed vouchers
1. Sign in on Internet banking
2. Go to the payments menu
3. Select Send Cash
4. Click View my Send Cash history
5. Select the unredeemed voucher
6. Click Update secret code
7. Enter a new 4-digit secret code
8. Click Continue to Update secret code
9. Open the Capitec Bank app and approve the
authorisation message
How to send cash using USSD
1. Dial *120*3279# and reply 9
2. Accept the terms and conditions
3. Reply 1
4. Choose "From" account
5. Enter the amount you want to send
6. Create a 4-digit secret code (this will be used to
collect the cash)
7. Enter your Mobile Banking PIN
The reference number
• The reference number for the cash sent can be shared
on messaging platforms on your phone ie. WhatsApp
• Send the recipient the reference number using our
share capability to collect the cash
• Remember to send the secret code to the recipient as
well.
• Important note: You can share the reference number
via SMS as well but this will be covered at your own
cost.
How much does it cost?
• To send R40 – R1 000: R10 on our app, Internet banking
or *120*3279#
• To send R1 010 – R3 000: R16 on our app or Internet
banking
• Collecting the cash is free at PEP, PEP HOME, PEP
CELL, Shoprite, Checkers, Usave, Pick n Pay, Boxer or
Capitec ATM
*120*3279#
• You can send up to R1 000 per transaction
• The daily limit is R1 000 and you can send up to R24
990 cash per month
App and Internet banking
• You can send up to R3 000 per transaction
• The daily limit is R5 000 and you can send up to R24
990 cash per month
What you need to collect your cash
• The reference number (this is sent by SMS to the
sender)
• The 4-digit secret code
How to collect your cash
1. Visit any PEP, PEP HOME, PEP CELL, Shoprite,
Checkers, Usave, Pick n Pay, Boxer or Capitec ATM
near you
2. When collecting in one of the partner stores, tell the
teller that you have a cash transfer from a Capitec
client
3. The teller will then ask for the reference number
4. You’ll be asked for the secret code (some retailers
may ask you to confirm your name, surname, and
cellphone number)
5. Once validated, the cash will be paid to you instantly
What if you can't get your cash?
If, for any reason the cash payout cannot be completed,
contact our Client Care Centre on 0860 10 20 43.
Send Cash FAQs
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