How much does Capitec Send Cash cost in 2026?
What a Capitec Send Cash costs in 2026
Capitec Send Cash sends money to a South African cellphone number — the recipient withdraws the cash with no bank account and no card. Here's what it costs in 2026, from the official source, and how to pay the least.
| Send | verify in-app — Capitec's 2026 guide does not publish a separate Send Cash send fee, and third-party figures conflict; the cost is the withdrawal below |
| ATM withdrawal | R10 per R1,000 at any SA bank ATM |
| Till withdrawal | R2.00 flat at a supermarket till |
| PayShap | up to R100 free; then R1 Capitec-to-Capitec / R2 to another bank (exact tiers: verify) |
The R2 supermarket-till withdrawal vs R10/R1,000 at the ATM is the single biggest money-saver — draw at a till, not an ATM.
Source: Capitec 2026 pricing guide (via SA press quoting the PDF) + Capitec official channels
How to send and withdraw a Capitec Send Cash
The recipient needs no bank account, no app and no card — just their cellphone number. Here are the steps:
- In the Capitec app, choose the send-to-a-cellphone product.
- Enter the recipient's cellphone number and the amount, then confirm.
- The recipient gets a code by SMS; at the till or ATM they present that code (and their cellphone number) to withdraw the cash.
- Where to withdraw: Pick n Pay, Shoprite, Checkers, Usave, Boxer, PEP, Makro tills, or any SA bank ATM.
Limits & requirements
Send Cash limits apply by account tier and FICA level — verify the exact daily/monthly cap in the Capitec app.
Capitec Send Cash vs the alternatives
Total cost to send R500 to someone without a bank account (send + till withdrawal), computed from our verified 2026 fees:
| Product | Total (R500) |
|---|---|
| TymeBank SendMoneyCheapest | R10.00 |
| FNB eWallet | R11.00 |
| Nedbank Send iMali | R12.00 |
| Absa CashSend | R13.50 |
| Standard Bank Instant Money | R20.00 |
| Capitec Send Cash(this page) | verify |
| PayShap | R0–R5.50 (to a ShapID/account, no cash) |
Assumes a supermarket-till withdrawal (the cheapest channel); an ATM can cost more. PayShap goes to an account/ShapID, not cash — it's the alternative for a recipient who HAS an account.
Bottom line: for R500, the cheapest way to hand cash to someone without an account is TymeBank SendMoney, at R10.00 all-in (send + till withdrawal). Always compare the final amount before sending.
Frequently asked questions
How much is a Capitec cash send?
The real cost is the withdrawal: R2 at a supermarket till, or R10 per R1,000 at an ATM. Capitec's 2026 guide doesn't publish a separate Send Cash send fee — check in-app.
How do I withdraw Capitec Send Cash?
At a Pick n Pay, Shoprite, Checkers, Usave, Boxer, PEP or Makro till for R2, or at any SA bank ATM for R10 per R1,000.
Can I send to someone without a bank account?
Yes — Send Cash goes to any cellphone number; the recipient withdraws cash with no account and no card.
Receiving money from abroad
These products are for sending money WITHIN South Africa to someone without a bank account — they are not international receive channels. To receive money from abroad, or to send it across the region (Zimbabwe, Malawi, Mozambique, Zambia), see our dedicated routes.
For example, to send to a mobile wallet in Zimbabwe, Malawi or Zambia, a remittance service like Mukuru, Mama Money or Hello Paisa handles it — not a bank cash-send product, which stays domestic to South Africa.