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Capitec Debt Review Contact Details
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If you are already under debt review with Capitec, email ccsdebtreviewqueries@capitecbank.co.za with your questions; if you are struggling to repay but are not yet under debt review, Capitec’s debt rescheduling line is 0860 66 77 18. Capitec Bank Limited is a registered credit provider, not a debt counsellor, so it does not place clients under debt review itself.
Capitec’s own channels for debt review clients and its debt rescheduling help are covered here. For Capitec’s other numbers, see the main Capitec contact details page.
Capitec debt review contact details at a glance
| Route | Details |
|---|---|
| Debt review queries (clients under debt review with Capitec) | ccsdebtreviewqueries@capitecbank.co.za |
| Debt rescheduling / repayment help (2023 flyer) | 0860 66 77 18 |
| Debt rescheduling email (2023 flyer) | CentralisedCollections@capitecbank.co.za |
| Hours (debt rescheduling line) | Monday to Friday 8am to 7pm; Saturday 8am to 1pm |
| Client Care Centre (flyer masthead) | 0860 10 20 43 |
| WhatsApp (flyer masthead) | 067 418 9565 |
| Branch | Visit a branch |
| Registered office | 5 Neutron Road, Techno Park, Stellenbosch, 7600 |
| Postal address | PO Box 12451, Die Boord, Stellenbosch, 7613 |
Capitec debt review email address
Capitec’s 2025 debt review toolkit gives one channel for clients who are under debt review with the bank: for any questions related to your debt review with Capitec, email ccsdebtreviewqueries@capitecbank.co.za. Capitec does not publish a separate phone number for debt review queries in that toolkit.
For general banking, Capitec’s debt relief flyer lists the Client Care Centre on 0860 10 20 43 and WhatsApp on 067 418 9565.
Debt rescheduling before debt review, and how debt review works
Capitec says that if you are struggling to repay, you should speak to your bank first, before debt review. Its alternative is debt rescheduling: Capitec extends the term of your loan or access facility to lower the repayments. The interest rate stays the same, but the total cost of credit rises because you pay for longer.
To ask about rescheduling, visit a branch, call 0860 66 77 18 or email CentralisedCollections@capitecbank.co.za. The 2023 flyer gives the line’s hours as Monday to Friday 8am to 7pm and Saturday 8am to 1pm.
If debt review is your only option, Capitec’s toolkit explains how it works:
- Choose a registered debt counsellor. Capitec points to the NCR website to check that a counsellor is registered.
- Sign Form 16. From that point you are officially under debt review.
- The counsellor sends Form 17.1 to your credit providers and all credit bureaus, assesses whether you are over-indebted, negotiates with creditors and applies to court.
- You pay one monthly instalment to a Payment Distribution Agency (PDA), which distributes it to your creditors.
- For questions about your debt review with Capitec, email ccsdebtreviewqueries@capitecbank.co.za.
What debt review costs, and how you leave it
Debt review has costs. Capitec’s toolkit gives an example of first-year debt review fees of up to R15 795, made up of items such as a restructuring fee of R8 000, a monthly aftercare fee of R450 and an NCT fee of R500.
Debt review is also hard to leave. Capitec’s toolkit says you can only exit it by paying your debts in full, or by a court declaring that you are no longer over-indebted. Rescheduling applies to Capitec loans and access facilities.
When a debt review query stalls
Capitec does not publish a separate escalation line for debt review in its toolkit or flyer. Use ccsdebtreviewqueries@capitecbank.co.za for debt review questions, and keep a record of your emails and your debt counsellor’s details. Capitec Bank Limited (registration number 1980/003695/06) is an authorised financial services provider, FSP 46669, and a registered credit provider, NCRCP13.
For other banks and lenders, browse the banking and finance hub or the banking directory C listings.
Frequently asked questions
What are the Capitec debt review contact details?
Clients under debt review with Capitec should email ccsdebtreviewqueries@capitecbank.co.za. For debt rescheduling before debt review, call 0860 66 77 18 or email CentralisedCollections@capitecbank.co.za.
What is the Capitec debt review email address?
ccsdebtreviewqueries@capitecbank.co.za, the one channel Capitec’s 2025 toolkit gives for questions about your debt review with the bank. The rescheduling mailbox is CentralisedCollections@capitecbank.co.za.
Can Capitec put me under debt review?
No. Capitec is a credit provider, not a debt counsellor. Debt review is done through a registered debt counsellor, and it starts when you sign Form 16.
What can Capitec do before debt review?
Capitec can reschedule a loan or access facility by extending the term, which lowers the repayments. The interest rate stays the same, but the total cost of credit rises. Ask at a branch, on 0860 66 77 18 or at CentralisedCollections@capitecbank.co.za.
How do I get out of debt review?
According to Capitec’s toolkit, only by paying your debts in full or by a court declaring you are no longer over-indebted.
Sources
- Capitec, Debt review toolkit 2025 (PDF): capitecbank.co.za/globalassets/approved-images/credit-hub/debt-review-toolkit-2025.pdf, read 2026-09-25
- Capitec, Debt relief flyer 2023 (PDF): capitecbank.co.za/globalassets/pages/documents-library/global-one/debt-relief-flyer_2023.pdf, read 2026-09-25
- Capitec, Fraud flyer 2024 (PDF): capitecbank.co.za/globalassets/pages/documents-library/general/fraud-flyer-2024.pdf, read 2026-09-25
- Capitec, FY26 audited results summary (PDF): capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2026/audited-results/cpify26_summary.pdf, read 2026-09-25