How to Pay Capitec Client Using Cellphone Banking? (2023)

Capitec Bank has made banking services easy and affordable for South African customers. This is one of the reasons for the bank’s success. Capitec is the second biggest bank in South Africa, as well as the fastest-growing bank in the country as well. For this reason, as one cannot help but come in contact with users of the bank, either as friends, family, or business partners. Therefore, it is imperative to know how to pay Capitec clients using cellphone banking.

Capitec Bank offers many remote banking services and simplified banking offers to suit you. One of the banking solutions offered by Capitec Bank is the Cell-Phone Banking which is a well-designed product that makes it easy for individuals to manage their finances and also to make crucial spending and disbursements of money. As a matter of fact, Capitec is one of the most frequently used technological means of carrying out financial transactions.

You may have been wondering about how to make payments to Capitec account users using your Cell Phone banking channels. The service is secure, free to use, and there is no monthly fee. It offers so many advantages over other banking features. 

How to Pay Capitec Client Using Cellphone Banking

Dial *120*3279# and then press send. 

The system will display some prompts instructions to finish up the transaction.

The first prompt will include ‘Transact’

When you choose Transact, you will then see another set of options. Choose ‘Payments’

Then need to enter your secret Remote PIN to sign in.

After that, you will then need to choose a beneficiary.

Enter the payment details or you can just enter a valid cell-phone number if the recipient is a Capitec bank client.

Enter your secret Remote PIN to confirm.

You can use Capitec Bank Cell Phone banking through USSD; USSD means Unstructured Supplementary Services Data. It is a technology similar to SMS. In fact, it uses SMS on a two-way basis: to the sender, and from the sender back to the bank network.

USSD is can be used on all South African GSM (global system for mobile communications) networks. The service is considered to be more secure than SMS, because no information is saved on the cell-phone, and also the sessions are time-based; they expire within a short time.


How do I activate Capitec Cell-Phone Banking?

Of course, before you can pay someone via cell phone banking you have to first enable cell phone banking so as to make it work via the bank system. In order to activate it, Dial *120*3279# and then press send. Aside from using the code to activate the service you can also have it activated easily by just walking into a Capitec Bank branch, and requesting the assistance of a customer care attendant.

Please remember that your PIN is secret; and that you must never write it down or share it with anyone. The bank will never call you to demand your pin. 


What Else Can You Do With Capitec Cell Phone Banking?

With the Capitec Cell Phone Banking service, you can not only send money to clients using their phone numbers (if they are Capitec users). There are other very important features that you can perform with the Capitec Cell Phone Banking platform. Some of the services include: 

You can send cash to friends and family, and make payments for purchases. 

You can also approve DebiCheck mandates using this service.

 With the Capitec Cell Phone Banking, you can even enable or disable tap to pay on your cards.

 This service allows you to send your own account details using SMS or email.

 The Capitec cell phone banking services allow you to order an email statement.

 The service allows you to view the last 5 transactions.

With the Capitec Cell Phone Banking Service, you can quickly stop your card if lost or stolen.


Some of the benefits of Cell Phone banking:

The Capitec cell phone banking system provides easy access to bank account information. It is also very safe and reliable; the system does not save any information on your mobile phone, so even if the phone is stolen it does not mean that your money is at risk of getting stolen.

The Capitec cell phone banking system facilitates simple payments: as soon as you are logged on securely to the system, you can use your cell phone to make payments. Every payment made using the app is verified by a Remote PIN code to enhance security and safety.

Capitec Cellphone banking provides the convenience of being able to purchase necessary things such as electricity and airtime just by dialing a code on your phone, no matter where you are.

If you have to make regular or reoccurring payments to a person or some persons, then you can save the beneficiaries’ details, and then view, sort, update and delete them without even putting or saving anything on your phone. 

 The Capitec Cell Phone banking also gives you the opportunity to view your detailed transaction history even as you are on the move. If you are not sure about any transactions you can just log in to your cell phone banking, normally as if you if wanted to make payments, but then you would look for the option that says payment history.

With this service, you can even create a personalized budget plan that will help you track your spending and stay in line with this budget.



Capitec bank cell phone banking is a new service that still continues to generate a lot of buzzes because many customers are finding the service very useful and secure. Furthermore, how to pay Capitec clients using cellphone banking, paying money to Capitec users with their mobile numbers provides a new level of convenience because people don’t need to have or write down bank details, they only need the client’s phone number, which is the easiest thing to have.