In today’s fast-paced digital age, Capitec Bank continues to bridge the financial gap by providing accessible banking services for all South Africans. One such service is the Cash Send via USSD, an essential solution for customers who may not have access to the Capitec app or internet banking but still need to send money safely and quickly. This method is especially useful in areas with limited smartphone access or for recipients who don’t have a bank account.
This guide walks you through the step-by-step process of sending cash using Capitec’s USSD (*120*3279#) service, covering everything from initiating the transaction to how recipients can collect the money. It also highlights important security tips and usage limits to ensure a safe and smooth experience.
What Is Capitec Cash Send?
Capitec’s Cash Send service allows clients to send money to anyone in South Africa, even if the recipient doesn’t have a Capitec account. The service is simple, secure, and can be accessed through USSD, the Capitec app, or internet banking. For those without access to mobile data or smartphones, the USSD option provides an inclusive alternative.
Why Use the USSD Option?
There are many reasons why clients choose to use USSD:
No need for internet access or data
Accessible on any mobile phone (smart or basic)
Simple to use
Ideal for emergencies or quick transfers
Allows free airtime top-up if needed
How to Send Cash via USSD on Capitec
Follow these steps to send money using Capitec’s USSD code:
1. Dial the USSD Code
On your cellphone, dial
*120*3279#and press the call button.Reply with 9 to access the “Send cash” option.
If you don’t have airtime, Capitec allows you to get a free USSD airtime top-up by dialing
*130*3279#.
2. Accept the Terms and Conditions
You’ll be prompted to read and accept Capitec’s terms and conditions.
Reply with 1 to proceed.
3. Select the Account
Choose the bank account you want to use for the transaction.
If you only have one account, it will be selected by default.
4. Enter the Amount to Send
Input the cash amount you want to send.
The maximum per transaction is R1,000, with a daily and monthly limit of R1,000 and R24,990 respectively.
Ensure your account has sufficient funds, including any applicable fees.
5. Create a 4-Digit Secret Code
You will be prompted to create a 4-digit secret code.
This code is essential for the recipient to collect the money.
Choose something memorable but not easy to guess.
6. Authorise the Transaction
To confirm and finalise the transaction, enter your Capitec mobile banking PIN.
This step ensures security and verifies that you’re the authorised sender.
7. Share the Details with the Recipient
After confirmation, Capitec will generate a reference number.
Share this reference number along with the 4-digit secret code you created with the recipient.
Use WhatsApp, SMS, or any messaging platform to send them the details securely.
Where Can the Recipient Collect the Cash?
Recipients can collect the cash from:
Capitec ATMs
Shoprite
Checkers
Usave
Pick n Pay
Game
Makro
Builders Warehouse
Collection is free of charge, and the recipient does not need a bank card or Capitec account to retrieve the money.
Important Notes and Conditions
Here are a few key points to keep in mind:
Validity Period: The cash must be collected within 30 days. If it’s not collected, the money will automatically be refunded to your account.
Incorrect Code or Reference: If the recipient enters the wrong reference number or secret code multiple times, the transaction may be blocked for security reasons.
Lost Reference Details: If the recipient loses the details, you’ll need to cancel the transaction and initiate a new one.
Transaction Fees: While the collection is free for the recipient, standard transaction fees may apply when sending the cash. These fees are usually minimal and will be displayed before final confirmation.
Security Tips for Using Capitec USSD
To protect your funds and personal information, follow these tips:
Keep your PIN confidential at all times.
Do not reuse obvious codes like 1234 or 0000 as the 4-digit secret code.
Avoid sharing details over public networks or in group chats.
Double-check the recipient’s details before finalising the transaction.
Log out or exit the session after completing your transaction.
Advantages of Capitec Cash Send
Here’s why many South Africans prefer this method:
No bank account needed for the recipient
Instant access to funds nationwide
Wide range of collection points
No internet required
Secure and traceable transactions
Whether you’re sending money to a family member in a rural area, paying for informal services, or helping out in an emergency, Capitec’s Cash Send via USSD is an efficient tool to make financial support seamless and inclusive.
Common Use Cases
Parents sending lunch money to children in university or school
Quick payouts for small business or domestic services
Assisting relatives in areas without ATM cards or bank accounts
Check also: Capitec Cash Send Not Working? Here’s How to Fix It
Capitec’s Cash Send via USSD offers a fast, reliable, and secure way to send money, especially for those without access to smartphones, mobile data, or bank accounts. This service is particularly beneficial for individuals in rural areas or those who need to make quick, small transactions. The step-by-step process ensures ease of use, while the security measures in place help protect both the sender and recipient from potential fraud.
By offering various collection points and the convenience of not requiring an internet connection, Capitec continues to bridge the gap in financial inclusivity across South Africa. Whether you’re helping a family member or sending money for business purposes, this service is an essential tool in today’s digital economy.
