Capitec fixed deposit South Africa: from R10,000, interest rate up to 10.25% per year, terms 3 to 60 months. Protected by the Deposit Insurance Scheme. Review on CreditDeals.
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## Capitec app — managing fixed-term savings The Capitec mobile banking application, widely used across South Africa, hosts the full lifecycle for Fixed-Term Savings Plans. Branch counters remain available, yet most clients open, monitor, and close plans from a smartphone. ### In-app capabilities | Tool | Purpose | |---|---| | Live balance tile | Shows principal, accrued coupon, and countdown to maturity | | Rate lock display | Confirms your guaranteed annual percentage and projected maturity total | | Early exit calculator | Previews interest reduction and net payout before you confirm | | Multi-plan dashboard | Run several plans with different amounts and durations concurrently | | Auto-renewal toggle | Enable or disable roll-forward per plan | | Statement export | Download history for budgeting or tax filing | | SARS interest certificate | Annual income summary for returns above the exemption | ### Security and access Login uses PIN plus optional biometric unlock on a verified device. Major South African networks zero-rate app data, so you can check balances without airtime. Lost-handset scenarios should be reported immediately so staff can block access. ### Opening another plan Transfer from your existing Capitec transactional account in seconds once FICA is current. Each new plan needs at least **R1,000** and respects the **R5,000,000** ceiling per plan. ### When digital servicing fails Reset credentials through the in-app recovery flow tied to your registered mobile number. Persistent lockouts can be cleared at a branch with **ID** during **Mon–Fri 8:00–17:00**. Email **clientcare@capitecbank.co.za** for statement or certificate issues. ### Regulatory footer Screens should reference Capitec Bank Limited, **FSP 46669**, branch code **470010**, and deposit protection under the **Banks Act** before you move money.
View your current savings plan balance, accrued interest and days to maturity at any time.
See your locked-in guaranteed interest rate and projected maturity amount.
Before withdrawing early, the app shows the exact penalty and net amount you would receive.
Open multiple Fixed-Term Savings Plans simultaneously with different amounts and terms.
Enable or disable automatic renewal for each savings plan separately.
Download savings plan statements for tax purposes (interest income may be taxable above the SARS annual interest exemption).
Access your annual interest income certificate for tax filing.
Opened a 12-month fixed deposit with Capitec at 9.75%. The Deposit Insurance Scheme protects my money. The app makes it easy to track interest accrual. Will definitely renew when it matures.
Capitec fixed deposit South Africa: from R10,000, interest rate up to 10.25% per year, terms 3 to 60 months. Protected by the Deposit Insurance Scheme. Review on CreditDeals.
This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.
