This Is How To Transfer Your Money Using Capitec Without An App

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Transferring money in today’s fast-paced world has become a necessity for many, and Capitec Bank offers an efficient solution to this need.

In banking, ease of access and convenience play pivotal roles, especially for those who prefer not to use mobile applications or have limited access to them.

Capitec Bank understands this need and provides alternative methods for fund transfer.

These methods include Internet banking and USSD (*120*3279#) services, catering to a wide range of customers, from tech-savvy individuals to those who favor more traditional means of banking.

This guide aims to demystify the process of transferring money without the use of the Capitec mobile app, ensuring that even individuals who are new to digital banking or prefer more conventional methods can conduct their transactions with ease and security.

It outlines step-by-step procedures for both Internet banking and USSD, ensuring a comprehensive understanding of the process.

Step by Step Guide on How to Transfer Money Using Capitec without App

Transferring money using Capitec Bank without the app is straightforward and can be accomplished through Internet banking or USSD (*120*3279#).

Here’s a detailed guide for both methods:

Internet Banking

Access Internet Banking:

Open your preferred web browser.

Navigate to Capitec Bank’s internet banking website.

Log in using your credentials.

Initiate Transfer:

Look for the ‘payments’ menu, usually found on the dashboard.

Within this menu, select the option labeled ‘Send Cash’.

Transaction Details:

After selecting ‘Send Cash’, click ‘Continue’.

Choose the account you want to send money from.

Enter the amount you wish to send.

Create a Secret Code:

You need to create a 4-digit secret code.

This code is crucial as it will be used by the recipient to collect the cash.

Confirm and Send:

After entering the amount and the secret code, click ‘Send the Cash’.

An authorization message will pop up in your Capitec app, which needs to be approved.

Share Details with Recipient:

Once the transaction is successful, share the reference number with the recipient. You can do this using messaging platforms like WhatsApp.

Remember to send the secret code separately for security reasons.

Using USSD (*120*3279#)

Dial USSD Code:

On your mobile phone, dial *120*3279#. Follow the prompt by replying with ‘9’ to agree to the terms and conditions.

Initiate Transaction:

Reply with ‘1’ to start the cash-sending process.

Select Account and Amount:

Choose the account you want to transfer money from. Enter the amount you wish to send.

Create a Secret Code:

Set up a 4-digit secret code, which the receiver will use for cash collection.

Finalize Transaction:

Enter your Mobile Banking PIN to authenticate and finalize the transaction.

Share Transaction Details:

You’ll receive a reference number for the transaction. Share this with the recipient through a secure channel. Also, share the 4-digit secret code with the recipient in a separate message.

Collecting the Cash

The recipient can collect the cash at any PEP, PEP HOME, PEP CELL, Shoprite, Checkers, Usave, Game, Pick n Pay, Boxer, or Capitec ATM. They should:

Visit the Collection Point:

Go to any of the mentioned stores or a Capitec ATM.

Provide Required Information:

At a store, inform the teller about the cash transfer from a Capitec client. Present the reference number and the 4-digit secret code.

Some retailers might ask for additional details like name, surname, and cellphone number.

Important Notes

  • Fees: Sending R40 – R1,000 costs R9.50, and R1,010 – R3,000 costs R16 through app or Internet banking. USSD costs are the same. Collecting the cash is free.
  • Limits: Via USSD, you can send up to R1,000 per transaction, with a daily limit of R1,000 and a monthly limit of R24,990. Through the app or Internet banking, the limits are R3,000 per transaction, R5,000 daily, and R24,990 monthly.
  • Security: Always keep the secret code confidential and share it securely with the recipient.

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