Capitec Universal Branch Code: 470010

Capitec's universal branch code is 470010. Use this SINGLE code for ALL Capitec branches in South Africa — you do NOT need a different code per branch. This is the #1 source of confusion around South African branch codes.

Branch code470010

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Code verified June 2026. South African universal branch codes rarely change, but confirm with Capitec if in doubt.

When to use the Capitec branch code 470010

Salary setup : give 470010 to your employer as the branch code, plus your Capitec account number and account name.

Debit orders and DebiCheck : 470010 identifies Capitec in the PASA national payments system, regardless of which branch holds your account.

Incoming EFT from another bank : the sender (Capitec, FNB, Standard Bank, etc.) needs your account name, Capitec account number, and 470010.

Bill payment via EFT : not required if you pay through the Capitec app (the bank already knows its own code). Required if the billing authority processes via EFT batch.

You do NOT need the branch code for in-app transfers within Capitec.

Capitec branch code vs SWIFT code

The branch code 470010 is for DOMESTIC transfers within South Africa (EFT). For receiving an INTERNATIONAL wire (from overseas), you need Capitec's SWIFT/BIC code instead — not the branch code.

→ See Capitec's SWIFT code

Note : Universal code for all Capitec branches.

Other South African bank branch codes

Frequently asked questions

What is Capitec's branch code?

470010. It is the universal code that covers ALL Capitec branches in South Africa. You do NOT need a separate code for your local branch.

Do I need my specific Capitec branch code?

No. Capitec uses a universal code system: the same 470010 works for every branch nationwide. This is different from Nigeria and Ghana, where each branch has its own code.

What is the difference between a branch code and an account number?

The branch code identifies the BANK (and in Nigeria/Ghana, the branch). The account number identifies YOUR personal account at that bank. For a South African EFT, you provide both: 470010 for Capitec + your Capitec account number.

Is Capitec's branch code the same as its SWIFT code?

No. The branch code (470010) is used for DOMESTIC EFT transfers within South Africa. The SWIFT/BIC code is used for INTERNATIONAL transfers (from overseas). See our Capitec SWIFT code page for transfers from outside South Africa.

When do I use the Capitec branch code?

When setting up a debit order (DebiCheck, standing order), giving your banking details to an employer (salary setup), receiving an EFT to your Capitec account from another South African bank, or for bill payment. Not needed for in-app transfers within the Capitec mobile banking app.