Last checked: 26 June 2026
If a Capitec Send Cash SMS not received problem happens, do not send the money again immediately. First check whether the Send Cash transaction was successful. Capitec says failed or missing Send Cash issues can happen when the phone number or withdrawal PIN was entered incorrectly, when the network or app connection dropped, or when the sender has reached a Send Cash limit. Capitec also says the sender should check transaction history to see whether the money was sent successfully. If the money left the account but the recipient did not get the SMS, the sender can share the reference number and PIN again with the intended recipient. (Capitec Bank)
Quick Answer and Code/Menu Path
The verified Capitec Send Cash USSD code is *120*3279#. Capitec’s current Send Cash menu path says to dial *120*3279#, reply 2, then reply 3, accept the terms, reply 1, choose the account, enter the amount, create a 4-digit secret code, and enter the Mobile Banking PIN. (Capitec Bank)
| Issue | What it usually means | What to do first |
|---|---|---|
| Capitec Send Cash SMS not received | The SMS may be delayed, the number may be wrong, or the Send Cash may have completed without the recipient receiving the message | Check transaction history before sending again |
| Capitec Send Cash code expired | The voucher may be older than the valid withdrawal period | Check Send Cash history and whether the money was paid back |
| Send Cash not working | The session may have dropped, the limit may be reached, or the details may be wrong | Confirm the transaction status before retrying |
| Receiver cannot withdraw | The reference number, secret code, withdrawal point, or voucher status may be the problem | Recheck the details and contact Capitec if payout still fails |
For the dedicated code page, use Capitec Send Cash USSD code. For a broader missing-voucher issue, use cash voucher SMS not received.
What to Do When the Capitec Send Cash SMS Is Not Received
Start with the sender’s account, not the receiver’s SMS inbox. The key question is whether the money left the Capitec account.
If the transaction did not go through, the sender may need to retry using the app, Internet banking, or *120*3279#. If the transaction did go through, do not create a duplicate Send Cash. Capitec says the sender can share the reference number and PIN again when the money has left the account but the person has not received the SMS. (Capitec Bank)
The safest order is:
- Check the sender’s Capitec app, Internet banking, or transaction history.
- Confirm whether the money left the account.
- Confirm the recipient’s cellphone number.
- Confirm that the recipient has the correct reference number and 4-digit secret code.
- Confirm that the cash has not already been withdrawn.
- Check whether the Send Cash has expired.
- Contact Capitec if the transaction status is unclear.
Do not keep retrying while the transaction status is unknown. A dropped app session, delayed SMS, or weak network signal does not always mean the transaction failed.
How to Send Money or Withdraw Cash
Capitec Send Cash lets a Capitec client send money that can be collected without a bank account. Capitec says the recipient needs the reference number and the 4-digit secret code to collect the cash. (Capitec Bank)
How to Send Cash Using the Capitec App
Capitec’s current app flow is to tap Transact, choose the Send Cash option, choose the account, enter the amount, create a 4-digit secret code, tap Send, accept the terms, confirm the transaction, then use Share Reference Number on the successful transaction screen. Capitec also says the secret code should be sent to the recipient in a separate message. (Capitec Bank)
This matters when the SMS is not received because the reference number may still be available after a successful transaction. The sender should use the official app or transaction history to check the Send Cash record instead of relying only on the SMS.
How to Send Cash Using USSD
To send with USSD, dial *120*3279# and follow the Capitec Send Cash menu path. Capitec lists the USSD steps as: reply 2, then reply 3, accept the terms, reply 1, choose the account, enter the amount, create a 4-digit secret code, and enter the Mobile Banking PIN. (Capitec Bank)
USSD sessions can time out. If the screen disappears before you see a clear confirmation, check the transaction status before starting again.
How the Recipient Collects the Cash
Capitec says the recipient needs the reference number and the 4-digit secret code. The reference number is sent by SMS to the sender, and the sender can share the reference number with the recipient. (Capitec Bank)
At a Capitec ATM, the recipient can collect the cash by choosing Cardless Services, then Collect Cash, entering the 10-digit reference number, entering the secret code, and collecting the cash. (Capitec Bank)
Capitec also says Send Cash can be collected at partner retailers including Ackermans, PEP, PEP Home, PEP Cell, Pick n Pay, Boxer, Checkers, Usave, Shoprite, or a Capitec ATM. At a retailer, the teller asks for the reference number and secret code, and some retailers may ask the recipient to confirm their name, surname, and cellphone number. (Capitec Bank)
Check Network and Account Status
A Capitec Send Cash SMS not received issue can be caused by a problem with the SMS, the recipient’s cellphone number, the sender’s connection, the Send Cash limit, or the withdrawal details.
Capitec says that if Send Cash failed or did not arrive, the usual reasons include an incorrect phone number or withdrawal PIN, a dropped network or app connection, or the sender reaching the daily or monthly Send Cash limit. Capitec’s advice is to check transaction history first. (Capitec Bank)
Before assuming the money is lost, check:
- whether the sender received a successful transaction screen;
- whether the Send Cash appears in transaction history;
- whether the recipient number was typed correctly;
- whether the recipient has signal and can receive SMS messages;
- whether the reference number and secret code were copied correctly;
- whether the recipient is using a supported Capitec ATM or retailer;
- whether the voucher is still valid.
If the issue is not only Capitec Send Cash but a wider USSD problem, use bank USSD code not working.
Retry Safely
Only retry once you have confirmed that the first transaction failed. If the money has left the sender’s account, sending again can create a duplicate payment.
A safe retry process is:
- Stop and check transaction history.
- Confirm whether the Send Cash was successful.
- If it was successful, recover or share the correct reference number and secret code with the intended recipient only.
- If it failed, retry using the Capitec app, Internet banking, or *120*3279#.
- Keep the new reference number and secret code private.
- Do not use a link from an SMS or social-media message to “fix” the transaction.
Capitec says the reference number can be shared through messaging platforms, and the secret code must also be sent to the recipient. For safety, send the reference number and secret code separately, and only to the person who should collect the cash. (Capitec Bank)
Fees, Limits, Expiry, and Reversal Notes
Capitec’s current Send Cash fees are based on the amount sent. As last checked on 26 June 2026, Capitec lists R10 for R40–R1 000, R20 for R1 010–R2 000, and R30 for R2 010–R3 000. Collecting the cash is free at the listed partner retailers or a Capitec ATM. (Capitec Bank)
Capitec lists different Send Cash limits for USSD and for the app or Internet banking. For *120*3279#, the limit is R1 000 per transaction, R1 000 per day, and R24 990 per month. For the app and Internet banking, the limit is R3 000 per transaction, R5 000 per day, and R24 990 per month. (Capitec Bank)
Capitec says Send Cash is valid for 30 days. If the money is not withdrawn within 30 days, it is automatically paid back into the account used to send it. (Capitec Bank)
Can Capitec Send Cash Be Cancelled?
A Send Cash transaction is not the same as a normal bank transfer. If the cash has already been withdrawn using the correct details, do not assume it can be reversed.
Capitec says its app allows users to view all Send Cash transactions and cancel unclaimed ones. (Capitec Bank) If you sent money to the wrong person, shared the secret code with the wrong person, or suspect fraud, contact Capitec as quickly as possible and keep the transaction details ready.
If the main issue is an old voucher or expired code, use cash voucher expired.
Safety Checks Before You Confirm
Treat a Send Cash reference number and secret code like cash. Anyone who gets the correct details may be able to attempt collection.
Before confirming a Send Cash transaction:
- Check the amount carefully.
- Check the recipient’s cellphone number.
- Use only the Capitec app, Internet banking, or *120*3279#.
- Do not click SMS links claiming to unlock, reverse, or restore Send Cash.
- Do not share your banking PIN, Remote PIN, Mobile Banking PIN, OTP, password, full card number, or app login details.
- Do not send cash because someone says your account must be moved to a “safe account”.
- Do not approve a transaction because a caller says it will stop fraud.
- Do not let a stranger at an ATM “help” you collect the cash.
- Send the reference number and secret code only to the intended recipient.
Capitec warns customers not to click links in unsolicited SMS messages, not to trust fake contact numbers in fraudulent SMSs, and not to act on instructions to perform a Send Cash transaction, transfer money to a “safe account”, or approve a transaction to stop fraud. Capitec also says it will never call, SMS, email, or direct message customers to ask for banking PINs. (Capitec Bank)
Escalation Route
Contact Capitec if:
- the money left the account but the SMS was not received;
- the recipient cannot withdraw with the correct details;
- the reference number or secret code was sent to the wrong person;
- the transaction appears successful but the recipient says no cash was paid out;
- the Send Cash may have been withdrawn by someone else;
- the sender was pressured by a caller, SMS, WhatsApp message, or social-media account;
- the app or USSD session failed and the transaction status is unclear.
Capitec says that if a cash payout cannot be completed, users should contact the Client Care Centre on 0860 10 20 43. (Capitec Bank) Capitec’s contact page lists personal banking support on 0860 10 20 43, WhatsApp on 067 418 9565, and international support on +27 21 440 3580. (Capitec Bank)
Keep the following details ready when escalating:
- transaction date;
- amount sent;
- recipient cellphone number used;
- Send Cash reference number, if available;
- collection point attempted;
- screenshot of transaction history, if safe to keep;
- any suspicious SMS, call, or WhatsApp message linked to the transaction.
Do not send your PIN, OTP, password, full card number, or secret code to a person claiming to help online.
Official Support Route
Use official Capitec channels only. Do not call a number from a suspicious SMS. Do not reply to a social-media account that asks for private banking details. Do not click a link that claims to “verify” or “release” Send Cash.
Capitec’s fraud guidance says customers should contact the official number 0860 10 20 43 and avoid fake contact numbers in SMS messages. It also warns against instructions to perform Send Cash, transfer money to a “safe account”, or approve transactions to stop fraud. (Capitec Bank)
If fraud is involved, Capitec’s contact page says victims of scams involving a bank account should report the crime to SAPS immediately and contact Capitec’s 24-hour Client Care Centre. (Capitec Bank)
Related Bank and Wallet Guides
Use these related guides when the next step is close to this issue but belongs on a separate page:
- Capitec Send Cash USSD code — for the verified Capitec Send Cash code and menu path.
- Cash voucher SMS not received — for missing voucher SMS problems across cardless-cash services.
- Cash voucher expired — for expired voucher or withdrawal-code issues.
- Bank USSD code not working — for failed USSD sessions, timeouts, or menu errors.
FAQs
What should users check before using Capitec Send Cash SMS not received?
Check whether the money left the sender’s account, whether the transaction appears in Send Cash or transaction history, whether the recipient number is correct, and whether the recipient has the correct reference number and 4-digit secret code. Capitec says the recipient needs the reference number and secret code to collect the cash. (Capitec Bank)
Can Capitec Send Cash SMS not received be cancelled or reversed?
It depends on whether the cash has already been collected. Capitec says users can view Send Cash transactions and cancel unclaimed ones in the app. If the cash has already been paid out, do not assume reversal is possible. Contact Capitec immediately if the money was sent to the wrong person or if fraud is suspected. (Capitec Bank)
What happens if a Capitec Send Cash voucher or withdrawal code expires?
Capitec says Send Cash is valid for 30 days. If the money is not withdrawn within 30 days, it is automatically paid back into the account used to send it. (Capitec Bank)
Are there fees or limits for Capitec Send Cash?
Yes. Last checked on 26 June 2026, Capitec listed fees of R10, R20, or R30 depending on the amount sent. USSD Send Cash limits were listed as R1 000 per transaction, R1 000 per day, and R24 990 per month. App and Internet banking limits were listed as R3 000 per transaction, R5 000 per day, and R24 990 per month. Recheck before publishing because bank fees and limits can change. (Capitec Bank)
What should users do if Capitec Send Cash is not working?
Check transaction history first. Capitec says failed or missing Send Cash can be caused by an incorrect phone number or withdrawal PIN, a dropped network or app connection, or a daily or monthly limit being reached. If the money left the account but the recipient did not receive the SMS, the sender can share the reference number and PIN again. (Capitec Bank)
Is Capitec Send Cash SMS not received safe?
It can be handled safely if the sender uses official Capitec channels, checks the transaction status, and shares the reference number and secret code only with the intended recipient. The main risk is fraud or wrong-person access, so never share banking PINs, OTPs, app passwords, full card details, or Send Cash details with anyone claiming to help through an SMS, call, or social-media message. Capitec warns that it will never ask for confidential banking information by call, SMS, email, or direct message. (Capitec Bank)
