How to apply for a Capitec account or credit
Capitec offers a streamlined application process, whether you prefer to apply online, via their app, or in-branch.
Applying via the Capitec App (Remote Onboarding)
- Download the app: Get the Capitec Bank app from your app store.
- Scan your face and ID: Use the app to scan your South African ID and take a selfie. The app uses facial recognition to verify your identity against the Department of Home Affairs database.
- Enter details: Fill in your personal and employment information.
- Credit check: If applying for credit, the app will instantly calculate your personalized offer.
- Accept: Review the terms and accept the offer.
Applying in-branch
- Visit a branch: Go to any Capitec branch with your original ID and latest payslip.
- Consultation: A consultant will capture your details and take your fingerprints for biometric verification.
- Assessment: The system will process your application and present available credit options.
- Card issuance: If opening a Global One account, your personalized debit card will be printed instantly in the branch.
Applying specifically for the Capitec Credit Card
Existing Global One clients can lodge a card application inside the handset app under Credit > Credit Card. New clients may open a transactional account first via remote onboarding or at any of 850+ branches, then add the revolving facility once affordability and bureau checks complete.
What happens after you submit
Capitec runs an NCA affordability assessment and pulls your profile at TransUnion SA or Experian SA. A provisional limit and personalised interest rate (from 9.75% p.a., linked to prime) appear on the pre-agreement quotation. Read the schedule carefully — it shows the R50 monthly card fee, the 55-day interest-free mechanics, and your approved ceiling (up to R500,000 subject to scoring).
Documents worth preparing upfront
Bring or upload your South African ID, latest payslip, and three months of bank statements if salary is not already paid into Capitec. Names and ID numbers must match Home Affairs records to avoid rework during facial verification.
Tips before you tap Accept
Clear active defaults and finish debt review before applying. Keep combined utilisation on other facilities modest. If you earn below R3,000 net monthly, the published minimum income gate applies regardless of score. Support: 0860 10 20 43 or info@capitecbank.co.za.
