Following a restructuring of its fees in 2025, Capitec’s banking fees remain virtually unchanged in 2026, with new pricing taking effect from 1 March 2026.<\/p>\n\n\n\n
The new fee structure introduced in 2025 is based on five key price points: R1, R2, R3, R6, and R10.<\/p>\n\n\n\n
By simplifying over 30 price points into these clear tiers, Capitec moved to make its banking fees more transparent.<\/p>\n\n\n\n
This continued in 2026, with the bank not increasing any of its fees for key transactions, including the monthly account fee, which remains R7.50 per month.<\/p>\n\n\n\n
Capitec is South Africa’s biggest bank by customer numbers, with the group recording over 25 million active clients in the last quarter of 2025.<\/p>\n\n\n\n
The bank built its business in South Africa on the back of simplicity and ease, disrupting the traditional banking giants by offering only one account and fee structures that were simple, stable and extremely competitive.<\/p>\n\n\n\n
While most of South Africa’s major banks now offer competing accounts\u2014often marketed as ‘entry-level’ and ‘simplified’\u2014that compete on pricing, Capitec carved a massive lead in the market.<\/p>\n\n\n\n
Despite this lead, Capitec also experienced competitive pressure from newer entrants into the market, particularly from digital banks, where pricing structures could provide near-zero-fee banking.<\/p>\n\n\n\n
This led to the pricing restructure from Capitec in 2025, and the fee freeze seen in 2026\/<\/p>\n\n\n\n
While most pricing remains unchanged, Capitec did flag a few alterations, including new fees, such as the Smart ID service fee of R10, which will apply soon as the bank rolls out these services.<\/p>\n\n\n\n
There is also a new Entrepreneur Card, which can be issued in-branch at a cost of R70.<\/p>\n\n\n\n
Regarding existing fee changes, the voucher fee is increasing from R2 to R3, and the balance enquiry fee on International Mastercard Machines is decreasing from R3 to R2.<\/p>\n\n\n\n Running counter to most legacy banks, which are downsizing branches, scaling back on ATMs, or going cashless, Capitec is expanding its services and networks.<\/p>\n\n\n\nTransaction<\/th> 2025<\/th> 2026<\/th> Change<\/th><\/tr><\/thead> Capitec to Capitec payments (including Capitec Pay)<\/td> R1.00<\/td> R1.00<\/td> No change<\/td><\/tr> Capitec to other bank (including PayShap)<\/td> R2.00<\/td> R2.00<\/td> No change<\/td><\/tr> Debit Orders<\/td> R3.00<\/td> R3.00<\/td> No change<\/td><\/tr> Immediate payments<\/td> R6.00<\/td> R6.00<\/td> No change<\/td><\/tr> Cash Withdrawals (per R1,000)<\/td> R10.00<\/td> R10.00<\/td> No change<\/td><\/tr> Account Fee<\/td> R7.50<\/td> R7.50<\/td> No change<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n Expanded services<\/h2>\n\n\n\n