Capitec Bank’s Cash Send service is a convenient way to send money instantly to anyone in South Africa without a bank account. However, many users have encountered issues where the service does not work as expected. Whether you’re facing transaction failures, delays, or technical glitches, this guide will help you understand the reasons behind these issues and how to fix them.
Common Issues with Capitec Cash Send
If your Capitec Cash Send is not working, the problem could be due to one or more of the following reasons:
- Insufficient Funds – You may not have enough balance in your account.
- Network or System Downtime – Capitec’s services may be temporarily offline.
- Incorrect Recipient Details – The recipient may have entered an incorrect PIN or reference number.
- Daily or Monthly Limits Exceeded – Capitec has Cash Send limits that may have been reached.
- Fraud Prevention Measures – Your transaction may have been flagged for security reasons.
- Incorrect Number Entered – If you entered the wrong cellphone number, the money may not be sent correctly.
- Technical Errors – Banking app glitches or USSD failures may interfere with transactions.
How to Fix Capitec Cash Send Issues
1. Check Your Account Balance
Before making a Cash Send transaction, ensure you have enough funds in your Capitec account. If your balance is too low, the transaction will not go through.
How to check your balance:
- Open the Capitec App, log in, and view your available balance.
- Dial 1203279# on your phone if using USSD banking.
- Visit a Capitec ATM or branch to verify your balance.
2. Verify the Recipient’s Details
Ensure that the recipient has entered the correct PIN and reference number provided after you send the money. If the details are incorrect, they won’t be able to withdraw the funds.
Fix:
- Resend the correct PIN to the recipient.
- Double-check the cellphone number before confirming the transaction.
3. Check for Network or Banking System Downtime
Sometimes, Capitec experiences temporary system downtimes due to maintenance or technical issues. If the banking app or USSD service is unresponsive, wait a few minutes and try again.
Fix:
- Visit Capitec’s official Twitter page (@CapitecBankSA) or website to check for system outage updates.
- Try using USSD (1203279#) instead of the app, or vice versa.
- Restart your phone and ensure you have a strong internet connection.
4. Confirm That You Haven’t Reached the Cash Send Limit
Capitec imposes daily and monthly limits on Cash Send transactions. If you exceed the limit, you won’t be able to send money until the next cycle.
Capitec Cash Send Limits (as of 2024):
- Maximum per transaction: R3,000
- Daily limit: R5,000
- Monthly limit: R24,999
Fix:
- If you’ve reached the daily or monthly limit, wait until the next day or month to send money again.
- Alternatively, use EFT transfers if the recipient has a bank account.
5. Check for Fraud Prevention Blocks
If you’ve attempted multiple transactions in a short time, Capitec may flag your account for suspicious activity. This is a security feature to prevent fraud.
Fix:
- Contact Capitec Customer Support at 0860 10 20 43 to verify if your account has been blocked.
- Wait a few hours and try the transaction again.
6. Ensure You’re Using the Correct Mobile Number
If you entered the wrong cellphone number, the money might be sent to the wrong person.
Fix:
- Cancel the Cash Send transaction immediately if you notice an error. You can do this via the app or by calling Capitec.
- If the transaction has already been processed, the only way to recover the money is if the incorrect recipient has not withdrawn it yet.
7. Update Your Capitec Banking App
If you’re using the Capitec app, ensure it’s updated to the latest version to avoid glitches.
Fix:
- Go to the Google Play Store (Android) or Apple App Store (iOS) and check for updates.
- If your app is up to date and still not working, uninstall and reinstall it.
8. Try a Different Withdrawal Location
If the recipient is experiencing withdrawal issues at a specific retailer or ATM, they should try another location. Some ATMs may be out of cash, or certain retailers may have system failures.
Fix:
- Withdraw from a different Capitec ATM or retail partner (Checkers, Pick n Pay, Shoprite, or Boxer).
How to Cancel a Cash Send Transaction
If the money has not been withdrawn yet, you can cancel the transaction.
Steps to cancel via the Capitec App:
- Open the Capitec app and log in.
- Tap on Transact > Send Cash > History.
- Select the transaction you want to cancel.
- Tap Cancel Send Cash and confirm.
Alternatively, call Capitec’s helpline at 0860 10 20 43 for assistance.
What If None of These Fixes Work?
If you have tried all the above fixes and Cash Send is still not working, it’s best to contact Capitec’s customer support for further assistance.
Capitec Customer Support Contact Details:
- Phone: 0860 10 20 43
- Email: ClientCare@capitecbank.co.za
- Visit a Branch: Go to your nearest Capitec Bank branch for in-person assistance.
Check also: Capitec Bank: How to Effortlessly Dispute Unauthorized Debit Orders
Capitec Cash Send is a fast, reliable, and easy way to send money, but technical glitches, incorrect details, or security measures can sometimes cause issues. By following the troubleshooting steps above, you should be able to resolve most Cash Send problems quickly.
If you continue experiencing difficulties, Capitec’s customer support team is available to assist you. Always double-check recipient details and keep your banking app updated to avoid unnecessary issues.
Have you experienced issues with Capitec Cash Send? Share your experiences in the comments below.
