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Capitec Contact Details

Verified 12 October 2026Official source onlyIndependent directoryPublished by Silas T Nkoana, Cape TownReport a wrong number

The Capitec contact number for customer care is 0860 10 20 43, and the Client Care Centre answers it 24 hours a day. The Capitec WhatsApp number is 067 418 9565, open from 06:00 to 22:00. From outside South Africa call +27 21 440 3580. The client care email address is ClientCare@capitecbank.co.za, and anonymous fraud tip-offs go to 0800 004 836. These lines are for personal banking: business banking has its own number, 0860 30 92 50, because personal and business accounts run on separate systems and one team cannot fix the other’s account. Every number on this page was read from capitecbank.co.za, most recently on 12 October 2026.

Using a Capitec card machine? See Capitec merchant services contact details.

Having trouble with online banking? See Capitec internet banking contact details.

Capitec contact numbers at a glance

What you needContactHours
Personal banking Client Care Centre0860 10 20 4324 hours
WhatsApp (personal banking)067 418 956506:00 to 22:00
Calling from outside South Africa+27 21 440 358024 hours
Client care emailClientCare@capitecbank.co.zaWritten queries
General enquiries email (Capitec letterhead)enquiries@capitecbank.co.zaWritten queries
Head office switchboard (landline), Stellenbosch021 809 5900Not stated
Anonymous fraud hotline (Tip-offs Anonymous)0800 004 836, capitecbank@tip-offs.comNot stated
Personal credit applications and queries0860 66 77 89Not stated
Help with credit repayments0860 66 77 18, WhatsApp 072 822 1582Not stated
Credit insurance queries and claims (Capitec Life)0860 10 20 43, or any Capitec branch24 hours
Business banking contact centre0860 30 92 50 or 011 302 040024 hours
Merchant support0860 66 77 06, MerchantSupport@capitecbank.co.za24 hours
Forex desk (listed in the 2026 business fee guide)021 137 7406, FXsuite@capitecbank.co.zaNot stated
SWIFT code for international transfersCABLZAJJ (Capitec publishes no IBAN)Not applicable
Complaint escalationcomplaintmanagement@capitecbank.co.zaAfter the feedback form

Numbers starting with 0860 are share-call numbers, not toll-free lines, so the call is charged. If you are worried about airtime, the WhatsApp line and the Capitec app are cheaper ways in.

Capitec WhatsApp number

The Capitec WhatsApp number is 067 418 9565. Add it as a contact and send “Hello” to start; Capitec describes it as its verified WhatsApp number, and it is open from 06:00 to 22:00. It is a personal banking channel that suits daytime self-service: the menu includes Main Menu, Self-service, Options and Stop Card, and Capitec also names WhatsApp as a place to report a transaction you do not recognise or a suspicious message.

Two other Capitec WhatsApp numbers exist for narrower jobs. 072 822 1582 is only for help with credit repayments, and the business banking collections department also takes messages on 067 418 9565 for overdue business accounts. Outside the 06:00 to 22:00 window, phone the Client Care Centre instead.

Capitec customer care number and call centre hours

Capitec customer care is the Client Care Centre on 0860 10 20 43. Capitec describes it as the place for everything from account problems, questions and queries to compliments and complaints, so it is the default call centre number for a personal account, online banking or app problem. The same number is the Capitec mobile banking and cellphone banking number for app problems.

The Client Care Centre is open 24 hours, so the call centre does not close. It is the only personal channel open through the night, which makes it the one to call for anything urgent after 22:00, when the WhatsApp line shuts. If you are abroad, dial +27 21 440 3580, which is also answered 24 hours.

Have your ID number and the details of the problem ready before you call, for example the date and amount of a transaction. Capitec does not publish a separate legal department or procurement mailbox for customers on its contact page, so account matters go through client care.

Capitec helpline and enquiries number

The Capitec helpline for personal banking enquiries is the same Client Care Centre number, 0860 10 20 43. For written enquiries, Capitec’s letterhead lists enquiries@capitecbank.co.za, and the client care mailbox is ClientCare@capitecbank.co.za.

Is there a Capitec toll-free number?

Capitec has no toll-free number from a cellphone for client care. 0860 is share-call, so a call to 0860 10 20 43 is charged even though the line is open 24 hours. The free-to-start alternative is the WhatsApp helpline, where you send “Hello” to the verified number 067 418 9565. The one 0800 number Capitec prints is 0800 004 836, and that is the Tip-offs Anonymous fraud hotline, not a customer care line.

Capitec email address

The Capitec customer care email address is ClientCare@capitecbank.co.za. Use it when you want a written record, for example when you are querying a transaction: write from the email address on your profile and include the date and amount. The general enquiries address on Capitec’s letterhead is enquiries@capitecbank.co.za.

The other mailboxes each have one job:

Capitec transaction query

To query a transaction you do not recognise, Capitec asks you to review your statements regularly and report unfamiliar transactions on WhatsApp 067 418 9565, on 0860 10 20 43 or at a branch. Talk to Capitec first if something does not look right.

Capitec undo payment: how to request a reversal

To undo a Capitec payment, you ask Capitec to reverse it. Capitec’s personal banking fee sheet, valid from 1 March 2026 and printed on 27 August 2026, lists a reversal of payment request for payments made in the last 40 days, on the app and other digital channels, in a branch or through the Client Care Centre on 0860 10 20 43. It is a request and not a guaranteed reversal, and Capitec charges a fee for it.

Capitec head office contact number and address

The Capitec head office contact number is 021 809 5900 (+27 21 809 5900 from abroad). It is a landline switchboard, not a client care line. Capitec’s head office is at 5 Neutron Road, Techno Park, Stellenbosch, 7600, and the postal address is P O Box 12451, Die Boord, Stellenbosch, 7613. Requests for records under PAIA go to PAIA@capitecbank.co.za. Capitec’s PAIA manual, updated February 2026, uses this address for Capitec Bank Ltd, Capitec Bank Holdings, Capitec Life and other group companies.

Capitec risk and compliance, legal, HR and marketing contacts

Capitec does not publish direct numbers for its risk and compliance, risk manager, lawyers or legal, HR or marketing departments in its published documents. Use the head office switchboard on 021 809 5900 or write to 5 Neutron Road, Techno Park, Stellenbosch, use PAIA@capitecbank.co.za for records requests, and use Tip-offs Anonymous on 0800 004 836 for anonymous fraud or ethics reports.

Capitec fraud line and lost or stolen card

To block a lost or stolen Capitec card, stop it straight away. Capitec gives these ways to block (stop) a personal card:

  • WhatsApp: add 067 418 9565, say “Hello”, tap Main Menu, choose Self-service, then Options and Stop Card, and pick the card from the list
  • App: sign in with your Remote PIN, choose Cards, tap Stop Card and select a reason
  • Phone: call 0860 10 20 43, or 021 440 3580 if you are outside South Africa
  • USSD: dial *120*3279# from your cellphone

For a business card, stop it on online banking under Cards, or call 0860 30 92 50 and choose option 1, which is also available 24 hours.

If your account is compromised or you are the victim of a scam involving your account, Capitec’s instruction is to report the crime to the SAPS immediately and contact the 24-hour Client Care Centre on 0860 10 20 43. Do both, because the SAPS case number is usually needed later. The Client Care Centre is the line for reporting fraudulent card activity. From outside South Africa, Capitec’s 2024 fraud flyer and fraud policy print +27 21 941 1377 for reporting fraud. For anonymous reports, Capitec’s fraud policy names Tip-offs Anonymous as the bank’s fraud hotline: 0800 004 836 or capitecbank@tip-offs.com. For suspected security flaws in Capitec’s own systems, the bank publishes a Vulnerability Disclosure Policy rather than routing reports through client care.

How much is a lost Capitec card to replace?

Capitec’s personal banking fee sheet, valid from 1 March 2026 and printed on 27 August 2026, lists stopping a lost or stolen card as free, a physical replacement debit or credit card at R70.00 in a branch, a virtual replacement card as free on the app, and delivery of a replacement card at R150.00. Capitec’s fraud flyer, printed in March 2024, tells clients to visit their nearest branch and speak to a consultant, and neither document ties a replacement card to the branch where the account was opened. See Capitec emergency contact details.

Capitec order debit card: delivery and virtual cards

Capitec offers card delivery: its personal banking fee sheet, valid from 1 March 2026 and printed on 27 August 2026, lists delivery of a new debit card and a new virtual debit card on the app. See Capitec app contact details.

How to report phishing to Capitec

Capitec says it will never send an SMS or email with a link asking you to enter or update personal or banking details, and an agent will never ask you to move money to an unknown account or share your PIN. If you receive a message like that, or clicked a link, report it straight away on 0860 10 20 43 or WhatsApp 067 418 9565, and stop your card if you gave any details.

Capitec credit and repayment help

To apply for personal credit, or to ask about a loan or an existing credit product, call 0860 66 77 89. If you are struggling with repayments, Capitec offers a separate set of channels:

  • WhatsApp 072 822 1582
  • SMS your South African ID or foreign passport number to 30679 and Capitec will call you back
  • call 0860 66 77 18 directly

The call-back SMS is a practical option if you do not have airtime to wait in a queue.

Capitec debt consolidation

Capitec publishes no separate debt consolidation number. Its credit flyer, printed in October 2023, lists consolidation as a use of the Capitec personal loan: all your loans combined into one loan with one monthly instalment, repaid over 6 to 84 months at a fixed interest rate. Apply online, at a branch or on 0860 66 77 89. See Capitec loan contact details.

Capitec Centralised Collections (centralized collections)

Capitec’s debt relief flyer, printed in February 2023, names Centralised Collections as the team to contact about debt rescheduling on personal credit, on 0860 66 77 18, Monday to Friday 08:00 to 19:00 and Saturday 08:00 to 13:00. The same February 2023 flyer explains that rescheduling spreads an existing loan or access facility over a longer period at the same interest rate, which lowers the repayment but raises the total cost of credit. See Capitec credit contact details.

Capitec debt counselling

Capitec’s debt relief flyer, printed in February 2023, treats debt counselling as another name for debt review, a legally binding process in which your debts are restructured by court order, and advises speaking to the bank first, on 0860 66 77 18, if you are struggling to repay. See Capitec debt review contact details.

Capitec credit insurance: retrenchment, unemployment and loss of income cover

Capitec does not sell stand-alone unemployment insurance or retrenchment cover. Under its credit insurance policy wording effective 7 May 2023, unemployment (which includes retrenchment) and loss of income from being unable to earn an income are benefits of the credit life policy on a Capitec loan, access facility or credit card, alongside death, permanent disability and temporary disability. That policy wording, effective 7 May 2023, sets out:

  • Benefit: for credit agreements entered into on or after 10 May 2020, the insurer settles your repayments for 24 months, for the remaining period of the credit agreement, or until you find employment or can earn an income, whichever is shortest
  • Waiting period: 3 months from the entry date, with no benefit if you are retrenched or notified of your retrenchment in that time
  • Exclusions: these include voluntary retrenchment and voluntary termination of employment
  • Claims: notify Capitec at any Capitec Bank branch within 12 months of the event, then submit the claim form and documents within 3 months of the notification date
  • 3rd party insurance: you may decline or cancel Capitec’s policy if you cede an alternative policy to Capitec Bank that has at least the benefits in the Final Credit Life Insurance Regulations of 2017 and is acceptable to Capitec, and you must give Capitec its details within 5 business days of taking it out
  • Cancelling: either party may cancel the Capitec policy with 31 days’ notice

Capitec underwriters and credit insurance claims

Capitec credit insurance is underwritten by Capitec Life Limited and administered by Capitec Bank Limited: Capitec’s letter to clients says the credit life insurer changed from Guardrisk Life Limited to Capitec Life Limited from 1 September 2025. That letter gives 0860 10 20 43 as the Capitec Life contact number and insuranceinfo@capitec.com for more information about the change. For an unemployment or unable to earn an income claim, Capitec’s claim assessment form dated November 2021 asks for a company-stamped discharge certificate, termination letter or retrenchment letter, a certificate of service and a UI19 form if available, and your employer completes the form itself. See Capitec insurance contact details.

Capitec business banking and merchant support

The business banking contact centre is on 011 302 0400 or 0860 30 92 50, around the clock. The business banking relationship suite uses 0860 30 92 50 during office hours, Monday to Friday 06:30 to 19:00 and Saturday 08:00 to 12:00. Merchants with card machine or payment problems have a dedicated 24-hour line on 0860 66 77 06 and the mailbox MerchantSupport@capitecbank.co.za.

If a business account has fallen behind, the Business Banking Collections team can be reached on 021 137 6436, at BusinessBankingCollections@capitecbank.co.za, or on WhatsApp 067 418 9565. Capitec asks customers to get in touch as early as possible so a payment plan can be worked out.

Capitec foreign exchange and forex contact number

Capitec’s 2026 business fee guide lists the forex desk for forex queries and forex fees, so the Capitec foreign exchange number is 021 137 7406, or email FXsuite@capitecbank.co.za. To receive money from abroad into a Capitec account, the sending bank must make a SWIFT payment using Capitec’s SWIFT code CABLZAJJ in field 57A. Capitec recommends receiving inward payments in the foreign currency, for more rand, faster receipt and lower intermediary costs.

Capitec address for international transfers

Capitec publishes no IBAN and no special address for international transfers. Its guide to receiving international payments, dated October 2021, says the sending bank must put the SWIFT code CABLZAJJ in field 57A, or the money is returned automatically, and must give your own 10-digit account number, your full name and surname as on your ID or passport, and your residential address. The only bank address printed on that October 2021 guide is the head office, 5 Neutron Road, Techno Park, Stellenbosch, 7600, and it adds that the money goes back to the sender if Capitec cannot contact you within 30 days. Capitec’s correspondent banking sheet, last updated on 4 March 2025, tells senders to select Capitec Bank Limited as the beneficiary bank.

Capitec complaints and escalation

Capitec runs complaints in two steps.

  • Step 1: submit the Get in touch feedback form on capitecbank.co.za, choosing Personal or Business Bank and the feedback type. Keep the case number you are given.
  • Step 2: if it is not resolved, it is escalated to the Complaint Management team at complaintmanagement@capitecbank.co.za. Capitec says it will acknowledge the escalation, name the person investigating, and contact you within 24 hours.

Capitec branches

Capitec does not publish direct telephone numbers for individual branches on its contact page. Searches for branches such as Cape Gate, Brooklyn Mall, Montague Gardens, Silver Lakes, Baywest or Woodstock are best answered with the Find a Branch tool on capitecbank.co.za, which shows each branch’s address and trading hours. Branches inside shopping centres often follow the centre’s hours. For anything to do with your account, the 24-hour Client Care Centre on 0860 10 20 43 can help without a branch visit.

Capitec Bank Limited is registered as 1980/003695/06, is an authorised financial services provider under FSP 46669, and is a registered credit provider under NCRCP13.

Capitec departments and products

Capitec runs separate lines for many departments. If your question is about one of these, its own page has the specific contact route.

Credit cards

Loans, settlements and payment relief

Business and corporate banking

Insurance, life and funeral cover

Fraud, collections, legal and debt review

Accounts, digital banking and other services

Frequently asked questions

What is the Capitec WhatsApp number?

The Capitec WhatsApp number for personal banking is 067 418 9565, open 06:00 to 22:00. Send “Hello” to start.

What is the Capitec customer care number?

Capitec customer care is the Client Care Centre on 0860 10 20 43, answered 24 hours a day. Business banking clients call 0860 30 92 50.

What time does the Capitec call centre close?

It does not close. Capitec lists the Client Care Centre on 0860 10 20 43 as open 24 hours; only the WhatsApp line has set hours, 06:00 to 22:00.

Does Capitec have a toll-free number from a cellphone?

No. 0860 numbers are share-call, so the call is charged. The WhatsApp line on 067 418 9565 is a cheaper way in.

What is the Capitec customer care email address?

The client care email is ClientCare@capitecbank.co.za. Capitec’s letterhead also lists enquiries@capitecbank.co.za for general enquiries.

What is the Capitec head office landline?

The Capitec head office in Techno Park, Stellenbosch, is on 021 809 5900, at 5 Neutron Road, Techno Park, Stellenbosch, 7600.

How do I report fraudulent card activity at Capitec?

Stop the card on WhatsApp 067 418 9565, by dialling *120*3279# or on 0860 10 20 43, and report the crime to the SAPS. Anonymous tip-offs go to 0800 004 836.

What is the Capitec forex contact number?

Capitec’s 2026 business fee guide lists 021 137 7406 and FXsuite@capitecbank.co.za for forex queries.

What is the Capitec collections department number?

For overdue business accounts, the business banking collections department takes messages on WhatsApp 067 418 9565 or by email to BusinessBankingCollections@capitecbank.co.za. For personal credit repayments, the repayment help routes are WhatsApp 072 822 1582, an SMS with your ID number to 30679 for a call-back, or 0860 66 77 18.

How do I change the cellphone number on my Capitec account?

The linked mobile number is a security control, so the change is done with identity verification: call the Client Care Centre on 0860 10 20 43 (24 hours, or 021 440 3580 from abroad) or visit a branch using the Find a Branch tool on capitecbank.co.za, with your ID and Remote PIN to hand. Capitec confirms the exact verification steps when you contact it.

What is the Capitec procurement email address?

Capitec does not publish a procurement mailbox for customers or suppliers on its contact page. Account matters go through the Client Care Centre on 0860 10 20 43 or ClientCare@capitecbank.co.za, and the head office switchboard on 021 809 5900 can route supplier queries.

How do I block a Capitec card?

Block (stop) the card on WhatsApp 067 418 9565, in the app under Cards, by dialling *120*3279# or by calling 0860 10 20 43.

How much is a lost Capitec card to replace?

Capitec’s personal banking fee sheet, valid from 1 March 2026, lists a physical replacement card at R70.00 in a branch, a virtual replacement card as free on the app and delivery of a replacement card at R150.00.

Does Capitec have unemployment insurance or retrenchment cover?

Not as a stand-alone product. Under Capitec’s credit insurance policy wording effective 7 May 2023, unemployment, retrenchment and loss of income are benefits of the credit insurance on a Capitec loan, access facility or credit card.

Who are the Capitec underwriters for credit insurance?

Capitec Life Limited, which replaced Guardrisk Life Limited as the credit life insurer from 1 September 2025.

What is the Capitec address for international transfers?

Capitec publishes no IBAN and no special transfer address. The sender needs the SWIFT code CABLZAJJ and your own account number, and the only bank address on Capitec’s October 2021 guide to receiving international payments is the head office at 5 Neutron Road, Techno Park, Stellenbosch, 7600.

Can I undo a Capitec payment?

You can ask for a reversal. Capitec’s personal banking fee sheet, valid from 1 March 2026, lists a reversal of payment request for payments made in the last 40 days, on digital channels, in a branch or through the Client Care Centre on 0860 10 20 43.

Does Capitec offer debt consolidation?

Capitec’s credit flyer, printed in October 2023, lists consolidation as a use of its personal loan. There is no separate debt consolidation number, so use the credit line on 0860 66 77 89.

Sources

  • Capitec Contact us page, capitecbank.co.za/contact-us, read 14 September 2026
  • Capitec Get in touch complaints page, capitecbank.co.za/contact-us/get-in-touch, read 14 September 2026
  • Capitec fraud flyer 2024, capitecbank.co.za/globalassets/pages/documents-library/general/fraud-flyer-2024.pdf, read 25 September 2026
  • Capitec fraud policy statement, capitecbank.co.za/globalassets/pages/documents-library/esg-documents/fraud-policy-statement.pdf, read 25 September 2026
  • Capitec PAIA manual, capitecbank.co.za/globalassets/pages/documents-library/general/capitec-paia-manual-english-1.pdf, read 25 September 2026
  • Capitec business bank fees 2026, capitecbank.co.za/globalassets/pages/documents-library/business/business-bank-fees-2026.pdf, read 25 September 2026
  • Capitec receiving international payments guide, capitecbank.co.za/globalassets/pages/documents-library/foreign-exchange/, read 25 September 2026
  • Capitec personal banking fees (valid from 1 March 2026, printed 27 August 2026), capitecbank.co.za/globalassets/pages/documents-library/transact/personal-banking-fees-september-2026.pdf, read 12 October 2026
  • Capitec credit insurance policy with effect 7 May 2023, capitecbank.co.za/globalassets/pages/documents-library/credit-insurance/credit-insurance-policy-with-effect-7-may-2023.pdf, read 12 October 2026
  • Capitec letter on the change of credit life insurer (effective 1 September 2025), capitecbank.co.za/globalassets/pages/documents-library/credit-insurance/a-change-to-your-credit-life-insurer-letter.pdf, read 12 October 2026
  • Capitec unemployment and unable to earn an income cover assessment form (November 2021), capitecbank.co.za/globalassets/pages/home/personal/funeral-plan/, read 12 October 2026
  • Capitec debt relief flyer (printed February 2023), capitecbank.co.za/globalassets/pages/documents-library/global-one/debt-relief-flyer_2023.pdf, read 12 October 2026
  • Capitec credit flyer (printed October 2023), capitecbank.co.za/globalassets/pages/documents-library/credit/20121-credit-flyer-decommission.pdf, read 12 October 2026
  • Capitec forex correspondent banking arrangements (last updated 4 March 2025), capitecbank.co.za/globalassets/pages/documents-library/business/forex-correspondent-banking-arrangements.pdf, read 12 October 2026
  • Capitec Contact us page, capitecbank.co.za/contact-us, fraud flyer 2024 and receiving international payments guide (October 2021), read 12 October 2026