Every Capitec Bank USSD Code and What You Can Use Them For

USSD stands for unstructured supplementary services data. It is simply a technology similar to SMS but more secure than SMS because it does not store any typed info on your phone. USSD is present on all South African GSM networks, while the Capitec bank USSD code is present on Vodacom, Cell C, Telkom Mobile, and MTN for direct airtime top-up.

The bank’s USSD code service is session-based, and your service provider basically determines the session duration. Most service providers’ users transact within 2 – 3 minutes. Users are validated in each session, and they are allowed to save transaction information. One interesting fact about this option is that if you lose connection or your session expired, and you’ve already input information in, you can go ahead with your transaction from the point where you stopped by redialling the service within a few minutes timeout or disconnection. You need any phone that can receive and send SMSs to enjoy Capitec bank USSD code service.

How To Activate Capitec Bank USSD Code For Transactions

Capitec USSD Codes makes banking transactions easy and fast. The codes are easy to memorize and are very beneficial to people who have no time to visit the bank. Below is the list of Capitec USSD Codes.

Every Capitec Bank USSD Code and What You Can Use Them For
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  • *120*3279#
  • *130*3279#

There are two ways to register to carry out transactions with the bank’s USSD codes.

Option 1: Dial *120*3279#

Once you pull through, follow the prompts, and you will successfully make registration. You will be notified if your transaction process is successful. Once you finalize the process, you can then enjoy all the services available on the service.

Option 2: Visit the nearest bank close to you 

Go to any Capitec bank close to you for registration. You would also be asked to provide your PIN, which you will use during transactions once it has been activated. Remember not to share your PIN with anybody to avoid any fraudulent activities on your account.

The Different Things You Can Do With The Capitec Bank USSD Code And How To Go About It

You can use the Capitec USSD codes to do many things. Below is a list of all the transactions you can carry out with the code.

  • Buy airtime.
  • Electricity purchases.
  • Account balance check.
  • View the last electricity token purchased.
  • Credit facility transfers.
  • Pay Capitec Bank clients (with a verified cellphone number).
  • Money transfer between your accounts.
  • Registration for SMS Update for added security.
  • Approve DebiCheck mandates.
  • Stop your card if lost or stolen.
  • Enable or disable tap to pay on your cards.
  • Send your own account details using SMS or email.
  • Email statement.
  • Send cash to friends and family.
  • View the last 5 transactions.

To Buy Airtime: Dial *130*3279# free of charge to top up your cellphone.

Then you can use the *120*3279# USSD code to do the following:

  • Electricity purchases.
  • Approve DebiCheck mandates.
  • Stop your card if lost or stolen.
  • Enable or disable tap to pay on your cards.
  • Account balance check.
  • View the last electricity token purchased.
  • Credit facility transfers.
  • Send your own account details using SMS or email.
  • Email statement.
  • Pay Capitec Bank clients (with a verified cellphone number).
  • Money transfer between your accounts.
  • Registration for SMS Update for added security.
  • Send cash to friends and family.
  • View the last 5 transactions.
  • Buy airtime.
See also
USD to ZAR: Convert Dollar to Rand/Exchange Rate

Note the following:

At the moment, Capitec Bank supports the following mobile operator companies for direct airtime top-up – Vodacom, Cell C, Telkom Mobile, and MTN.

Between The USSD Code And The Capitec App, Which Is Better For Transaction?

There are so many differences between the USSD code and the Capitec app. Although people use both options for best-known reasons, the two seem to be effective and reliable. One major similarity between them is that whether you are using the app or USSD code, your PIN keeps all your transactions secure.

Nevertheless, we’ll look at the differences between them to know which is better.

  • While the app functions on a smartphone with a running data bundle, Capitec bank USSD code can be accessed on any cellphone.
  • USSD is a menu-based service that runs as a real-time open session between a user and the service, but the Captec app is not entirely designed like that.
  • You don’t need to subscribe to use the USSD Code, but you must have a data bundle to maximize Capitec’s app.
  • USSD code has the edge over an app on security since users can only access it with their registered phone number. An app can be hacked if there are security breaches.
See also
ZAR to USD: South African Rand to Dollar Conversion and Exchange Rate

With all the points listed above, it appears the USSD code is a better and less expensive option because it doesn’t require much (a working cellphone). Again, services cannot be accessed except on an unregistered phone number, and users can easily navigate through its prompts.

What Is The Easiest Way To Carry Out Transactions Without Going To The Bank?

There are various ways you can transact if you are a Capitec client. You can carry out transactions through a debit check, internet banking, cellphone banking, or even their app. However, it’s been discovered that the cellphone option is the easiest of them all. All you need is a working phone and the right USSD codes.

Below is another easy way you can do that without visiting any of their branches.

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Internet banking: This option does not require a monthly subscription fee. It is easy and reliable to use. You can do the following with the bank’s internet banking service:

  • Transfer money between your accounts.
  • Do payments (people or accounts)Buy airtime, data, and SMS bundles (for yourself or a friend).
  • Buy electricity (for yourself or a friend).
  • View your last electricity tokens purchased.
  • Add beneficiaries.
  • Add recurring (stop orders) or future-dated payments.
  • Add recurring (stop orders) or future-dated transfers.
  • Do credit facility transfers.
  • Stop lost or stolen cards immediately.
  • Update your daily card limits.
  • Save and verify your email address for added security.
  • View or download statements.
  • View or download tax interest certificates.
  • View your transaction and payment history.
  • Register and maintain your SMS Update setting.

It is a well-known fact that banking is easier, faster, more convenient with a smartphone. However, not everyone has a deep pocket for one and the data bundle subscription to run internet transactions. People who don’t bank with smartphones often make use of their feature phones. But as you already know, people who use feature phones face some limitations, including the absence of advanced functionality (common in smartphones).

With a feature phone, you can comfortably bank from the comfort of your home. In fact, you do not need to visit the bank to do certain things.

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Queen Thabisa
Queen always has the inside scoop on the lives of your famous celebrities, she is the go-to source when it comes to everything Hollywood and South African entertainment industry, an entertainer and a true queen in her own special way.
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