Capitec app

Be safe and bank from home with our new banking app. You can pay people and accounts, make immediate payments, get account balances and email stamped statements – just about everything you would normally do at a branch.

bank with our  new Capitec Bank app

We continuously look for ways to take the complexity out of banking and are excited to announce updates to our banking app!

Note: Clients who verified their email address on the current app can upgrade to the new app without visiting a branch

How to get the app

If you already have our banking app you can now update it to our latest version..To find it, simply search “Capitec Bank” in your app store or use the links below to download our new banking app.

Note : Before downloading the new app make sure you have verified your email address on your current app

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If you have the following Huawei devices please use the Huawei link above to download our new app.huawei devices

If you do not have our banking app yet you will need to follow the following steps:

  • Visit your nearest branch,
  • open an account
  • verify your phone and email address 
  • we’ll send you an SMS with a link in it to download the app.
  • Once downloaded, just install and activate the app.

Functionality

The app is designed with our clients’ convenience in mind, with quick and simple navigation, as well as the following added features:

  • Personalise your home screen – See all your accounts and balances at a glance
  • Customise your favourites – Set up shortcuts on your home and sign-in screens for one-tap access to the features you use the most 
  • Track your spend – Get a quick overview of how you’re spending your money with categories like food, transport or communication
  • Use biometrics – Sign in and authenticate with fingerprint or facial recognition if your phone supports this
  • Activate your virtual card – It’s free, safe and easy to load for all your app, online and scan to pay transactions
  • Manage contactless card transactions – Turn your card’s tap to pay function on and off 
  • It’s free: Our app is free to download and there’s no monthly subscription.
  • It’s also free to use: MTN, Vodacom, Telkom Mobile and Cell C subscribers pay zero data charges when they use our app
  • You’ll save: Beneficiary payments can be done at a fraction of the branch cost
  • Plan and manage your budget: Take control of your money and track your spending
  • Convenient: You can access the app on the go from your cellphone
  • Added security: Every transaction is protected by your Remote PIN, so never share it – keep it secret

What can I do on it?

Transact | Save | Credit | Cards | Budget | Profile | Insure

Need Information or Confused about Something ?

Ask a Question

 


Sponsored Guide


Complete Guide to NSFAS Online Loan Application for South African Students (2025)

If you are a South African student looking to pursue higher education but are facing financial difficulties, the National Student Financial Aid Scheme (NSFAS) is one of the most accessible funding options available. NSFAS provides financial aid in the form of bursaries and loans to qualifying students at public universities and TVET colleges in South Africa.

This guide will walk you through everything you need to know about the NSFAS loan application process, from eligibility requirements to application steps and frequently asked questions.


📌 What is NSFAS?

The National Student Financial Aid Scheme (NSFAS) is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.

NSFAS offers both bursaries and income-contingent loans:

  • Bursaries: For eligible students who meet academic and household income criteria (especially for TVET and university students).
  • Loans: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.

✅ Who Qualifies for an NSFAS Loan?

To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:

  • Be a South African citizen.
  • Be financially needy, with a household income of less than R350,000 per year.
  • Have a valid South African ID.
  • Be enrolled or accepted to study at a public university or TVET college.
  • Not be funded through another bursary program that covers all expenses.
  • Maintain satisfactory academic progress (returning students).

📚 Courses Funded by NSFAS

NSFAS primarily funds undergraduate qualifications, but certain postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB) may be considered under the NSFAS loan scheme, not bursaries.

If you’re studying:

  • Undergraduate degree or diploma: You are likely eligible for a full NSFAS bursary.
  • Postgraduate study: You may qualify for a loan, depending on the course and funding availability.

📄 Required Documents for NSFAS Application

When applying, make sure you have the following documents scanned and ready:

  1. Certified copy of your South African ID or Smart Card.
  2. Parent(s) or guardian(s) ID documents.
  3. Proof of income (latest payslips, UIF, or affidavit if unemployed).
  4. Consent Form signed by your parent(s)/guardian(s) to allow NSFAS to verify income.
  5. Proof of registration or acceptance at a public institution.
  6. Academic transcripts (for continuing or postgraduate students).

🖥️ How to Apply for an NSFAS Loan Online

Step-by-Step NSFAS Online Application Process (2025)

  1. Visit the NSFAS Website

    Go to: https://www.nsfas.org.za

  2. Create an Account

    • Click on “MyNSFAS” and register your profile.
    • You’ll need a valid email address and South African cellphone number.
    • Choose a strong password and verify your account via email or SMS.
  3. Login and Start the Application

    • After registration, log in to your MyNSFAS account.
    • Click on “Apply” to begin a new application.
  4. Fill in Your Personal Details

    • Input your ID number, name, surname, and other details exactly as they appear on your ID.
    • Provide household income information and living arrangements.
  5. Upload Required Documents

    • Upload all supporting documents in PDF or JPEG format.
    • Each document must be clear and under the size limit specified.
  6. Submit Your Application

    • Review your application for accuracy.
    • Click “Submit” and wait for a confirmation message.
  7. Track Your Application

    • Log in regularly to check your application status.
    • You will be notified via SMS and email at each stage of the process.

🗓️ Important NSFAS Dates (2025)

  • Application Opening Date: September 1, 2025
  • Application Deadline: January 31, 2026
  • Appeals Period: February 2026 (if rejected)
  • Disbursement: After registration and approval

Note: Dates are subject to change; always confirm on the official NSFAS website.


💸 What Does the NSFAS Loan Cover?

NSFAS funding typically includes:

  • Tuition fees
  • Registration fees
  • Accommodation (if living away from home)
  • Meals and transport
  • Learning materials (e.g., textbooks)

For loans, repayment is only required once you start working and earn above a threshold (around R30,000 annually, but subject to change).


🔄 NSFAS Loan Repayment

Repayments are:

  • Income-contingent – you only repay when you can afford to.
  • Administered by DHET (Department of Higher Education and Training).
  • Interest-bearing, but interest rates are low and favorable.

You can also apply for a partial loan conversion to a bursary if you perform well academically.


🔁 How to Appeal a Rejected NSFAS Application

If your application is rejected, you may submit an appeal via your MyNSFAS portal:

  1. Log into your MyNSFAS account.
  2. Click on “Track Funding Progress”.
  3. If rejected, click on “Submit Appeal”.
  4. Upload any missing or corrected documents.
  5. Provide a clear explanation or motivation.

📱 NSFAS Contact Information


📝 Final Tips Before Applying

  • Apply early to avoid system overload near the deadline.
  • Use your own email and cellphone number (do not use someone else’s).
  • Double-check that all your documents are certified and legible.
  • Keep a copy of your submission confirmation for reference.

By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams—without the burden of immediate financial pressure.