Last checked: 26 June 2026. Capitec fees, limits, code paths, expiry rules, and support routes can change, so always confirm the amount, fee, and menu shown on your screen before authorising a Send Cash transaction.
Quick Answer and Code/Menu Path
The current Capitec Send Cash limit depends on whether you use USSD, the Capitec app, or Internet banking. Capitec lists the USSD Send Cash limit as R1 000 per transaction, R1 000 per day, and R24 990 per month. For the app and Internet banking, Capitec lists R3 000 per transaction, R5 000 per day, and R24 990 per month. (Capitec Bank)
| Channel | Current Capitec Send Cash limit | Best for |
|---|---|---|
| USSD: *120*3279# | R1 000 per transaction, R1 000 per day, R24 990 per month | Smaller sends when you do not want to use the app |
| Capitec app | R3 000 per transaction, R5 000 per day, R24 990 per month | Higher Send Cash amounts within Capitec’s app limit |
| Internet banking | R3 000 per transaction, R5 000 per day, R24 990 per month | Sending from a browser with app approval |
For USSD, Capitec’s current Send Cash path is to dial *120*3279#, reply 2, then reply 3, accept the terms, choose the account, enter the amount, create a 4-digit secret code, and authorise with your Mobile Banking PIN. (Capitec Bank)
Use the dedicated Capitec Send Cash USSD code guide if you need the exact step-by-step USSD flow. Use this page when your main question is the Capitec Send Cash limit, fee, expiry rule, or what to check before sending.
How to Send Money or Withdraw Cash
Capitec Send Cash lets a Capitec client send money that can be collected without the receiver having a bank account. Capitec says the money can be collected at a Capitec ATM or participating retailers, and the receiver needs the reference number and the 4-digit secret code to collect it. (Capitec Bank)
Sending with the Capitec app
To send cash in the app, open the app, go to Transact, choose Send cash, select the account, enter the amount, create a 4-digit secret code, accept the terms, confirm the transaction, and share the reference number with the receiver. Capitec says the secret code should be sent separately from the reference number. (Capitec Bank)
The app is usually the better option when the amount is higher than the USSD limit but still within the app Send Cash limit. Current app and Internet banking limits are R3 000 per transaction, R5 000 per day, and R24 990 per month. (Capitec Bank)
Sending with USSD
Use USSD when you want to send a smaller amount and cannot or do not want to use the app. Capitec’s current USSD Send Cash steps are:
- Dial *120*3279#.
- Reply 2, then reply 3.
- Accept the terms and conditions.
- Reply 1.
- Choose the account to send from.
- Enter the amount.
- Create a 4-digit secret code.
- Enter your Mobile Banking PIN to authorise the transaction.
Capitec lists the USSD Send Cash limit as R1 000 per transaction, R1 000 per day, and R24 990 per month. (Capitec Bank)
Collecting the cash
The receiver needs the reference number and the 4-digit secret code. Capitec lists Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave, Shoprite, and Capitec ATMs as collection options. (Capitec Bank)
At a participating retailer, the receiver should tell the teller that they have a cash transfer from a Capitec client. The teller will ask for the reference number and the secret code, and some retailers may ask the receiver to confirm their name, surname, and cellphone number. (Capitec Bank)
Fees, Limits, Expiry, and Reversal Notes
Current Capitec Send Cash fee
Capitec currently lists Send Cash fees by amount. The fee is R10 for R40 to R1 000, R20 for R1 010 to R2 000, and R30for R2 010 to R3 000. Capitec also states that collection is free at the listed participating retailers and Capitec ATMs. (Capitec Bank)
| Amount sent | Current Capitec Send Cash fee |
|---|---|
| R40 – R1 000 | R10 |
| R1 010 – R2 000 | R20 |
| R2 010 – R3 000 | R30 |
Always check the fee displayed before you confirm. Capitec’s Send Cash terms say limits and fees may be amended from time to time and are communicated through Capitec’s website, pricing brochure, or branches.
Current Capitec Send Cash limit
The Capitec Send Cash limit is lower on USSD than on the app or Internet banking. Current official limits are:
| Channel | Per transaction | Daily limit | Monthly limit |
|---|---|---|---|
| USSD / Mobile banking | R1 000 | R1 000 | R24 990 |
| App | R3 000 | R5 000 | R24 990 |
| Internet banking | R3 000 | R5 000 | R24 990 |
Capitec’s transaction-fee page also confirms the remote banking app and mobile banking Send Cash limits, and notes that the fee information is subject to change. (Capitec Bank)
Expiry
Capitec says a Send Cash is available immediately after confirmation and is valid for 30 days. If the money is not withdrawn within 30 days, Capitec says it is automatically paid back into the account used to send it. (Capitec Bank)
Can a Capitec Send Cash be cancelled or reversed?
Do not assume a Capitec Send Cash can be reversed after the collection details have been shared. Capitec’s terms say the bank may pay the cash to any person who presents the reference number, secret code, and required identification, unless the cash has already been paid out.
If you need to stop a payout before it is collected, contact Capitec urgently. Capitec’s terms say the sender may ask the Service Desk to place the instruction on hold, and Capitec may require the correct identity number and reference number before acting on the request.
If the secret code is lost or forgotten before the cash is collected, Capitec lists an Internet banking option to update the secret code for an unredeemed voucher through Send Cash history. (Capitec Bank)
Safety Checks Before You Confirm
Check the amount and channel
Before you send, confirm whether the amount fits the channel limit. Use USSD only when the amount is within the USSD limit. Use the app or Internet banking for larger Send Cash amounts, as long as the amount remains within Capitec’s current app or Internet banking limits. (Capitec Bank)
Check the receiver details
Make sure the receiver is the intended person before you share the reference number and secret code. Capitec’s terms warn that if a third person receives the reference number and secret code, that person may be able to withdraw the cash.
Share the code safely
Send the reference number and secret code only to the intended receiver. Do not post them in a group chat, comment section, public message, or screenshot. Capitec’s terms say the sender is responsible for keeping the secret code safe and should not disclose it to anyone other than the intended recipient.
Never share banking credentials
The receiver does not need your Capitec app PIN, Mobile Banking PIN, Remote PIN, password, OTP, card number, or online banking login details. Capitec’s fraud guidance says users should never share login details or passwords, and that Capitec will never call users to ask them to make payments using cash send, vouchers, or real-time payments to prevent fraud. (Capitec Bank)
Stop if the request feels suspicious
Do not send cash because someone says your account will be blocked, your money must be “secured”, a prize must be released, or a buyer needs a refund before collecting goods. Capitec warns users to double-check payment details, watch for red flags, avoid too-good-to-be-true offers, and trust security warnings if a payment is flagged as suspicious. (Capitec Bank)
If Capitec Send Cash Limit Is Not Working
Check network or account status
If USSD times out or the app connection drops, do not keep retrying without checking whether the first transaction went through. Capitec says failed or missing Send Cash transactions may happen because details were entered incorrectly, the network or app connection dropped, or the user has reached the daily or monthly Send Cash limit. (Capitec Bank)
Retry safely
Check your transaction history first. Capitec advises users to check transaction history to confirm whether the money was sent successfully. If the money left the account but the receiver did not receive the SMS, Capitec says the sender can share the reference number and PIN again. (Capitec Bank)
Escalation route
Escalate the problem quickly if the wrong person may have the secret code, the receiver cannot collect the cash, the transaction is missing, or the cash may have been collected by someone else. Capitec’s terms say senders are responsible for reporting irregularities, including loss or unauthorised disclosure of the secret code or reference number, to the Service Desk.
Official support route
If the cash payout cannot be completed, Capitec lists its Client Care Centre number as 0860 10 20 43 on the Send Cash page. Capitec’s help centre also lists personal banking support on 0860 10 20 43, WhatsApp on 067 418 9565, and international support on +27 21 440 3580. (Capitec Bank)
Related Bank and Wallet Guides
Use these related guides when the next step is not only the Capitec Send Cash limit:
| Related guide | Use it when |
|---|---|
| Capitec Send Cash USSD code | You need the exact Capitec USSD code and menu steps |
| send money USSD code South Africa | You want to compare send-money codes across South African banks and wallets |
| FNB eWallet USSD code | You need an FNB eWallet alternative instead of Capitec Send Cash |
FAQs
What should users check before using Capitec Send Cash limit?
Check the amount, channel, fee, daily limit, monthly limit, receiver details, reference number, and secret code before confirming. The current USSD limit is R1 000 per transaction and per day, while the current app and Internet banking limit is R3 000 per transaction and R5 000 per day. (Capitec Bank)
Can Capitec Send Cash limit be cancelled or reversed?
If the cash has already been collected, do not assume it can be reversed. If the cash has not been collected and there is a problem, contact Capitec urgently and ask whether the instruction can be placed on hold. Capitec’s terms say the sender may request a hold through the Service Desk, subject to the required identity and reference checks.
What happens if a voucher or withdrawal code expires?
Capitec says Send Cash is valid for 30 days. If it is not withdrawn within 30 days, the money is automatically paid back into the account used to send it. (Capitec Bank)
Are there fees or limits for Capitec Send Cash limit?
Yes. Current Send Cash fees are R10 for R40 to R1 000, R20 for R1 010 to R2 000, and R30 for R2 010 to R3 000. Current limits are R1 000 per transaction on USSD and R3 000 per transaction on the app or Internet banking, with daily and monthly limits applying. (Capitec Bank)
What should users do if Capitec Send Cash limit is not working?
Check whether the transaction appears in your history, confirm that you have not reached the daily or monthly limit, and make sure the receiver has the correct reference number and secret code. If the cash payout cannot be completed, contact Capitec Client Care on the official support route. (Capitec Bank)