In today’s fast-moving business world, simplicity and transparency are no longer “nice-to-haves”; they are essential.
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Business owners want to spend less time trying to understand complicated banking fees and more time focusing on growing their operations.
Clear pricing, easy-to-use tools and reliable support can make a meaningful difference to a business’s financial stability.
That’s why more businesses are looking for a bank that not only offers the right solutions but also genuinely cares about their success.
At the heart of this shift is a growing demand for business banking that is straightforward and predictable. When business owners know exactly what they are paying for, they can plan better, manage cash flow more effectively and avoid unexpected costs.
Banking tools that support your business
Capitec’s Business Banking Account is designed with simplicity in mind, combining practical tools with reliable technology. A key part of this is its range of card machines, which help businesses accept payments quickly and securely.
Capitec’s card machines are built for businesses that need to keep their businesses operational. With unlimited free 4G (dual SIM) and WiFi connectivity, as well as all-day battery life, businesses can continue trading even with no access to electricity.
The HD touchscreen makes transactions faster and more efficient, while features like sales tracking help business owners monitor performance in real time. Receipts can be emailed or printed, depending on the device, adding convenience for both businesses and their clients.
Simple, transparent fees
Pricing is often where banking becomes complicated – but it doesn’t have to be. Capitec keeps its fees clear and easy to understand, so businesses always know what they are paying.
As Francois Viviers, Group Executive: Marketing and Client Experience at Capitec, explains: “At Capitec, we believe that trust is our most valuable asset.
“We know how crucial it is for clients to feel confident in their financial decisions, so we prioritise transparency in everything we do, from our solutions to pricing.
“This is reinforced through our fees. We aligned our personal and business banking transactional fees, an industry-first move, enabling our business clients to experience the same pricing benefits as our personal banking clients.
In a world where finance can often feel overwhelming, we strive to keep things simple and clear, creating a client experience that is personal and that builds trust.”
Here’s what you get:
- Free virtual card for online transactions
- Zero fees on local card payments
- Free access to digital channels
- R1 for payments to other Capitec accounts
- R2 for payments to other banks
- R3 per debit order
- R6 for immediate payments
- R10 per R1 000 to draw cash at any bank’s ATM in South Africa
- R1.40 per R100 to deposit cash at any Capitec ATM
- R50 monthly service fee
Real benefits that add value
Beyond simple pricing, Capitec Business Banking is designed to support business growth. Card machine users pay a low commission of only 1.85%, with the opportunity to qualify for even lower rates as turnover increases. There are no monthly fees or contracts, giving businesses flexibility as they grow.
Cash flow is also supported through free next-day settlements – even on weekends and public holidays – so businesses don’t have to wait to access their money.
After three months, qualifying clients may also access personalised credit, providing additional financial support when needed.
Beyond core banking, Capitec continues to expand its offering with solutions such as the business repay-as-you-earn loan, enabling flexible daily repayments based on business turnover.
A focus on trust and simplicity
Ultimately, the goal is to make business banking easier and more transparent, so entrepreneurs can focus on what matters most: running and growing their businesses.
In a competitive business environment, having a banking partner that values clarity and simplicity can make all the difference.