Last checked: 25 June 2026.
The Capitec Send Cash USSD code is *120*3279#. Capitec’s current Send Cash page says the USSD path is to 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, and confirm with your Mobile Banking PIN. (Capitec Bank)
Use this page when you want to send cash from a Capitec account without the app, withdraw cash that was sent to you, check what the receiver needs, or understand the safety checks before you authorise a transaction. Do not continue if someone is coaching you through the transaction by phone, SMS, WhatsApp, social media, or email.
Quick Answer and Code/Menu Path
| Need | Capitec code or route | What to check first |
|---|---|---|
| Send cash by USSD | Dial *120*3279# | Use the phone number registered for Capitec Mobile Banking |
| Current Send Cash USSD menu path | Reply 2, then reply 3, then follow the Send Cash prompts | Follow the menu labels shown on your screen if option numbers change |
| Access Capitec cellphone banking | Dial *120*3279# | You must already be registered for the service |
| Top up airtime when out of airtime | Dial *130*3279# | Capitec says this free code is for prepaid top-up access |
| Withdraw cash sent to you | Use the reference number and 4-digit secret code | Never share the code with anyone except the intended collector |
| Fix Capitec USSD problems | Use the Capitec USSD not working guide | Check signal, SIM selection, registration, and recent transactions |
Capitec’s cellphone banking page says registered clients can dial *120*3279# to access cellphone banking, and if they are out of airtime they can dial *130*3279# free of charge to top up prepaid airtime. (Capitec Bank)
The important point is this: do not rely on an old screenshot, old article, or saved message if the menu on your phone looks different. USSD menus can change. Dial the official Capitec code yourself, read each screen carefully, and confirm only when the amount, account, fee, and transaction type are correct.
How to Send Money or Withdraw Cash
Requirements
To use the Capitec Send Cash USSD code, you need access to the cellphone number registered for Capitec Mobile Banking. You also need your Mobile Banking PIN, an available balance, and a 4-digit secret code that will be used by the receiver to collect the cash.
Capitec says its cellphone banking service can be used for balances, airtime, account access, transfers, bill payments, vouchers, Lotto, and Send Cash. The service is accessed through *120*3279# and is protected by the Mobile Banking PIN. (Capitec Bank)
Step-by-step: how to send Capitec Send Cash using USSD
- Dial
*120*3279#from your registered cellphone. - Reply
2, then reply3. - Accept the terms and conditions.
- Reply
1. - Choose the “From” account.
- Enter the amount you want to send.
- Create a 4-digit secret code.
- Enter your Mobile Banking PIN to confirm. (Capitec Bank)
After the transaction is confirmed, the receiver needs the reference number and the 4-digit secret code. Capitec says the reference number is sent by SMS to the sender, and the receiver needs both the reference number and the secret code to collect the cash. (Capitec Bank)
Send the reference number and the secret code separately. This reduces the risk of one forwarded message giving someone everything they need to withdraw the money.
How to withdraw Capitec Send Cash
The person collecting the cash needs:
| Item | Why it matters |
|---|---|
| Reference number | This identifies the Send Cash transaction |
| 4-digit secret code | This confirms that the receiver has the collection code |
| Correct collection point | The receiver must use a supported Capitec ATM or partner retailer |
| Correct details | Some partner stores may ask for name, surname, and cellphone number |
Capitec says Send Cash can be collected at Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave, Shoprite, or a Capitec ATM. Collecting the cash is free at those listed collection points. (Capitec Bank)
At a Capitec ATM, the receiver can select Cardless Services, choose Collect Cash, enter the 10-digit reference number, enter the secret code, and collect the cash. (Capitec Bank)
At a partner retailer, the receiver should tell the teller that they have a cash transfer from a Capitec client. Capitec says the teller will ask for the reference number, then the secret code, and some retailers may ask the receiver to confirm their name, surname, and cellphone number. (Capitec Bank)
For a broader collection guide, use withdraw cash sent to my phone. If the reference number or voucher details are missing, use retrieve cash voucher USSD code.
Fees, Limits, Expiry, and Reversal Notes
Capitec’s current Send Cash page lists these Send Cash fees:
| Amount sent | Fee |
|---|---|
| R40 to R1 000 | R10 per transaction |
| R1 010 to R2 000 | R20 per transaction |
| R2 010 to R3 000 | R30 per transaction |
Collecting the cash is free at the listed partner retailers or at a Capitec ATM. (Capitec Bank)
For USSD Send Cash, Capitec lists a limit of R1 000 per transaction, R1 000 per day, and R24 990 per month. Capitec’s transaction-fee page also lists the same Mobile Banking *120*3279# Send Cash limits. (Capitec Bank)
| Channel | Per transaction | Daily limit | Monthly limit |
|---|---|---|---|
USSD *120*3279# | R1 000 | R1 000 | R24 990 |
| App and online banking | R3 000 | R5 000 | R24 990 |
These limits and fees can change, so always read the confirmation screen before entering your Mobile Banking PIN. The confirmation step is where you should stop if the amount, fee, account, or transaction type is not what you expected.
A Capitec Send Cash transaction is available immediately after confirmation. Capitec says the receiver can withdraw using the reference number and secret PIN after the sender confirms the transaction on the app, USSD, or online banking. (Capitec Bank)
Capitec says a Send Cash transaction 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)
Do not assume a Send Cash transaction can be reversed after confirmation. If you sent cash to the wrong person, shared the secret code with the wrong person, or suspect fraud, contact Capitec immediately through an official support route. Capitec’s Send Cash page says that if the cash payout cannot be completed, users can contact the Client Care Centre on 0860 10 20 43. (Capitec Bank)
For a dedicated limits page, use Capitec Send Cash limit. For failed SMS, wrong details, or collection problems, use Capitec Send Cash SMS not received.
Safety Checks Before You Confirm
Capitec Send Cash is useful, but it is also a common target for scams because cash can be collected quickly once the reference number and secret code are known.
Before you confirm a transaction, check:
| Safety check | Why it matters |
|---|---|
| Did you dial the code yourself? | Do not use a code sent by a stranger or caller |
| Is the amount correct? | A wrong amount may be difficult to recover |
| Is the transaction type correct? | Do not authorise Send Cash if you meant to check a balance |
| Are you being rushed? | Pressure is a common scam warning sign |
| Did someone claim to be from Capitec? | Capitec says it will not ask you to do Send Cash to stop fraud |
| Are you sharing the code safely? | The reference number and secret code can allow withdrawal |
| Did the menu look suspicious? | Exit and start again from the official code |
Capitec warns customers never to act on instructions to perform a Send Cash transaction, transfer money to a “safe account,” or approve a transaction to stop fraud or reverse unauthorised debit orders. Capitec also says customers should never share confidential banking information such as banking PINs, and that the bank will never call, SMS, email, or direct message customers to ask for those details. (Capitec Bank)
Never share your Mobile Banking PIN, Remote PIN, OTP, banking password, full card number, or voucher secret code with someone who claims they are helping you. A real support agent does not need your PIN to help you.
Stop the transaction immediately if:
- A caller says you must send cash to reverse fraud.
- Someone says your money must be moved to a safe account.
- You are told to ignore warnings on your banking screen.
- You are asked for your PIN, OTP, Remote PIN, or banking password.
- You are asked to create a Send Cash voucher and send the code back.
- The person collecting the cash is not the person you intended to help.
If you suspect a scam, hang up, stop typing, and contact Capitec using an official channel. Capitec’s fraud guidance says customers should call 0860 10 20 43 if someone asks them to sign in to reverse debit orders or stop fraud. (Capitec Bank)
Common Errors and What To Do
| Problem | What it may mean | Safe next step |
|---|---|---|
*120*3279# does not open | Network, signal, SIM, or registration issue | Try again later, check the correct SIM, or use Capitec USSD not working |
| Menu numbers look different | Capitec may have changed the menu order | Follow the wording on-screen, not an old saved option number |
| Transaction failed | Connection dropped or confirmation did not complete | Check your transaction history before retrying |
| Receiver did not get the SMS | SMS may be delayed or not received | Share the reference number and secret code again, separately, only with the correct person |
| Receiver entered the wrong code | Details may have been typed incorrectly | Re-check the reference number and secret code |
| Receiver cannot collect cash | Retailer issue, ATM issue, wrong details, or limit problem | Try another supported collection point or contact Capitec |
| You sent money to the wrong person | The transaction may still be collectable if the details are known | Contact Capitec immediately and keep the reference number |
| Cash was collected by someone else | The reference and secret code may have been exposed | Contact Capitec and report suspected fraud |
Capitec says failed or missing Send Cash transactions are usually linked to an incorrect phone number or withdrawal PIN, a dropped network or app connection, or reaching Send Cash limits. Capitec advises users to start by checking transaction history, and if the money left the account but the receiver did not get the SMS, the sender can share the reference number and PIN again. (Capitec Bank)
Do not keep retrying the same transaction without checking whether the money already left your account. Repeating a Send Cash transaction can create duplicate vouchers if the first one went through.
Related Bank and Wallet Guides
Use these internal guides when the next question is related but not exactly the same as this Capitec Send Cash USSD code page.
| User need | Best next guide |
|---|---|
| Compare send-money options across banks | send money USSD code South Africa |
| Fix Capitec cellphone banking problems | Capitec USSD not working |
| Retrieve a missing voucher or reference | retrieve cash voucher USSD code |
| Send cash without using a smartphone app | send money without app South Africa |
| Withdraw money sent to a cellphone number | withdraw cash sent to my phone |
| Check Capitec Send Cash thresholds | Capitec Send Cash limit |
| Fix missing SMS or failed withdrawal | Capitec Send Cash SMS not received |
FAQ
What is the Capitec Send Cash USSD code?
The Capitec Send Cash USSD code is *120*3279#. Capitec’s current Send Cash page says the Send Cash USSD route is to dial *120*3279#, reply 2, then reply 3, accept the terms and conditions, reply 1, choose the account, enter the amount, create a 4-digit secret code, and confirm with your Mobile Banking PIN
Is Capitec Send Cash USSD code safe?
It can be safe if you dial the official code yourself, check every screen, keep your Mobile Banking PIN private, and share the reference number and secret code only with the intended receiver. It is not safe to follow Send Cash instructions from someone claiming to be from a bank, fraud department, employer, buyer, seller, lender, or prize company.
Can I send Capitec Send Cash without the app?
Yes. Capitec lists USSD Send Cash through *120*3279#. You must use the registered cellphone banking number and confirm with your Mobile Banking PIN. (Capitec Bank)
What does the receiver need to withdraw Capitec Send Cash?
The receiver needs the reference number and the 4-digit secret code. Capitec says these are needed to collect the cash, and ATM collection requires the 10-digit reference number and secret code. (Capitec Bank)
Where can Capitec Send Cash be collected?
Capitec says cash can be collected at Ackermans, PEP, PEP HOME, PEP CELL, Pick n Pay, Boxer, Checkers, Usave, Shoprite, or a Capitec ATM. (Capitec Bank)
How much does Capitec Send Cash cost?
Capitec currently lists Send Cash fees as R10 for R40 to R1 000, R20 for R1 010 to R2 000, and R30 for R2 010 to R3 000. Collecting the cash is free at listed partner retailers or a Capitec ATM. (Capitec Bank)
What is the Capitec Send Cash USSD limit?
Capitec lists the USSD Send Cash limit as R1 000 per transaction, R1 000 per day, and R24 990 per month. (Capitec Bank)
How long does Capitec Send Cash take?
Capitec says Send Cash is available immediately after confirmation, and the receiver can withdraw using the reference number and secret PIN. (Capitec Bank)
Do Capitec Send Cash codes expire?
Yes. 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)
Can I reverse Capitec Send Cash?
Do not assume you can reverse it after confirmation. If something is wrong, contact Capitec immediately through an official support route and keep the reference number, amount, date, and any messages linked to the transaction.
What should I do if Capitec Send Cash USSD is not working?
Check signal, use the SIM registered for Capitec Mobile Banking, make sure you are registered for cellphone banking, and check whether the transaction already went through before trying again. If the issue continues, use the Capitec USSD not working guide or contact Capitec through an official channel.