Capitec ACCESS ANYTIME / LOYALTY UPGRADE Offer details

Access Anytime / Loyalty Upgrade

Your savings.
But more.

A little thank you.
A lot more to look forward to.

An upgrade for existing Capitec clients.

Six months. Six payments.
6%

every month.For 6 months
from activation.

R1 000once-off joining bonus

From R3 000 in your existing plan.

Get Capitec Savings

Activate in Capitec Savings

01Your current savings count.02No upper balance limit.03Withdraw anytime.

01 / Your numbers

Less imagining. More knowing.

Meet your
more.

Start with what you’ve already saved.
See what six months could add.

6% monthly6 monthsR1 000 once off

From R3 000

From R3 000 of your own savings. No upper limit.

After 6 months · illustrative balance

R5 674.06

+ R2 674.06 total added

Monthly interest

Tap a month
Month 6+ R321.17
Closing balanceR5 674.06

Includes R1 000 bonus. Interest stays saved.

Get Capitec Savings
Breakdown & calculation
Your starting savings
R3 000.00
Joining bonus
R1 000.00
6 months of interest
R1 674.06

Assumes the R1 000 bonus is paid at the start, all interest is saved, and no other money moves in or out. Actual results depend on bonus timing and your daily balances.

The illustration applies 6% each month to the opening balance, including the bonus and previous interest. Each monthly payment is rounded to cents. Final payments follow the offer’s daily balance and payment rules. Values are before tax.

Illustrative monthly payments
MonthInterestClosing balance
1R240.00R4 240.00
2R254.40R4 494.40
3R269.66R4 764.06
4R285.84R5 049.90
5R302.99R5 352.89
6R321.17R5 674.06

02 / Your six months

A small change. A different rhythm.

More, month
after month.

Your 6 months start when you activate the upgrade in Capitec Savings.

  1. Start

    Activate your
    existing plan.

    Your current Access Anytime savings count. Qualify and activate to receive your R1 000 joining bonus.

    Paid into your plan after qualifying activation.

  2. Months 01–06

    6% every month.
    On your qualifying balance.

    Maintain an average monthly balance of at least R3 000 to earn the promotional rate. There’s no upper balance limit.

    010203040506
  3. After month 06

    Your savings
    carry on.

    Your plan returns to the standard Access Anytime rate. Your money stays accessible.

    See the dates

03 / Still Access Anytime

More possibilities.
Same freedom.

Life doesn’t wait. Your money shouldn’t have to.
Withdraw whenever you need to.

To join

  • An existing Access Anytime plan.
  • At least R3 000 of your own savings.

    Your current balance counts. The bonus does not count towards this starting amount.

  • Activate in Capitec Savings.

    Select your existing plan and review the offer terms.

While your upgrade is active

  • Your savings stay accessible.

    Withdraw whenever you need to.

  • Keep the monthly average at R3 000+.

    Below this, the standard rate applies for that month. The promotional rate resumes in a qualifying month within your 6 months.

  • No upper balance limit.

    The promotional rate applies to your full qualifying balance.

04 / Dates & details

The details matter, too.

A window to join.
Six months to enjoy.

Joining window
Opens
Closes

Activate your upgrade during this period.

6

months from activation.Your own upgrade period starts in the app.

For example: activate on 31 Jan 2027 and your 6 months end on 31 Jul 2027.

A few things
to know.

How is the monthly interest calculated?

The promotional rate is 6% per month for 6 months, on the full qualifying balance. Interest is based on daily balances and paid monthly, provided the average monthly balance is at least R3 000. See the offer terms in the app for the daily calculation and payment rules.

When will I receive the R1 000 bonus?

The once-off bonus follows qualifying activation with at least R3 000 of your own savings. It is paid into your plan and becomes part of your interest-earning balance. See the offer terms in the app for the bonus crediting timeframe. Downloading the app alone does not earn the bonus.

What if my balance falls below R3 000?

If your average monthly balance falls below R3 000, the standard Access Anytime rate applies for that month. The promotional rate resumes in a qualifying month within the original 6-month period. A lower-balance month does not extend the upgrade.

What happens after the 6 months?

Your existing plan continues at the standard Access Anytime rate, with your money still accessible. The offer includes the once-off R1 000 bonus and 6 monthly promotional interest payments.

05 / Your next step

Ready for
more?

Download Capitec Savings, choose your existing Access Anytime plan and activate your upgrade.

ACCESS ANYTIMELOYALTY UPGRADE
6%every month for 6 months+ R1 000once-off joining bonus

From R3 000 in your existing plan.

Capitec Savings

Your existing plan. Your next step.

Choose your existing plan in the app to activate.
Your 6 months start then.