CABLZAJJ11-character variant (head office):
CABLZAJJXXX| Bank code | Country | Location |
|---|---|---|
| CABL | ZA | JJ |
| Capitec | ZA (South Africa) | Stellenbosch |
An 11-character variant like CABLZAJJXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'CABLZAJJ001') refer to specific branches.
Capitec Bank, founded in 2001 and listed on the Johannesburg Stock Exchange, has grown to become South Africa's largest retail bank by number of customers, with more than 22 million account holders. The bank is headquartered in Stellenbosch and operates around 870 branches across South Africa with a deliberately simple, low-cost retail-banking offering. In 2019 Capitec acquired Mercantile Bank from Portugal's Caixa Geral de Depósitos. The SWIFT code CABLZAJJ uses bank code CABL — distinctive within the South African banking sector. The 11-character form CABLZAJJXXX identifies the Stellenbosch head office. Inbound diaspora wires settle through the same SWIFT code regardless of which Capitec branch services the recipient.
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SWIFT and BIC are two names for the same identifier: an 8 or 11-character code standardised by ISO 9362 that identifies a bank in the SWIFT payment network. For a wire to Capitec, your sending bank needs this code (CABLZAJJ) to route the payment message through correspondent banks to Capitec Bank in Stellenbosch.
An IBAN, by contrast, identifies a specific bank account — not the institution. IBANs are mandatory in the European Economic Area, the UK, most of the Middle East, and several African countries (but South Africa does not use IBANs universally). For most wires to South Africa, you will supply SWIFT code CABLZAJJ + the recipient's account number, not an IBAN.
UK sort codes (6 digits) and US routing numbers (9 digits) are domestic-only equivalents — they do not work for international wires. If a US-based sender wants to wire to Capitec, they need the SWIFT code, not the US routing number of the correspondent bank (although their bank may use the routing number internally to route their side of the wire).
One final technical detail on the 11-character form: the last three characters identify a specific branch. When they read 'XXX' (as in CABLZAJJXXX), they conventionally designate the head office itself. Most international wires use either the 8-character form or the 11-character form with XXX; unless your recipient explicitly tells you otherwise, that is the right choice.
Capitec Bank's SWIFT/BIC code is CABLZAJJ. This 8-character code identifies the bank's Stellenbosch head office for international wire transfers.
Yes. SWIFT (Society for Worldwide Interbank Financial Telecommunication) and BIC (Business Identifier Code) are two names for the same 8 or 11-character identifier standardised by ISO 9362. You will see Capitec's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Capitec account, the sender needs SWIFT code CABLZAJJ AND your account number. Some sending banks also request the recipient bank's full address (5 Neutron Avenue, Techno Park, Stellenbosch).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Capitec. Wires from major global banks (HSBC, Barclays, JPMorgan, Citi) usually clear fastest.
For smaller amounts to South Africa, operators such as Wise, LemFi, Sendwave, and TapTap Send typically offer a rate closer to mid-market and lower fees than a classic SWIFT bank wire. See our South Africa inbound corridor comparison for side-by-side pricing.
Source: Capitec's official website + Wise SWIFT directory. Last verified: 2026-06-04. SWIFT codes change rarely but always confirm with your bank before initiating a transfer. Educational only — not financial advice.