Capitec Transfer Code: How To Register And Send Money With The USSD Code

Want to learn about Capitec Transfer Code? You’re at the right place. This article features how you can easily register and transfer funds with the Capitec USSD Code. Read on!

Mobile Banking offers flexible banking service on your cellphone. Cellphone Banking using unstructured supplementary services data (USSD) code enables you to use any cellphone to access the service by dialing *120*3279# to perform banking on the go. Your service provider won’t charge you a dime for this transaction.

What Is USSD?

USSD simply means Unstructured Supplementary Services Data. It is a technology similar to the Short Message Service (SMS). USSD is available on all South African GSM networks. It’s more secure compared to the SMS because it doesn’t store any typed information on the cellphone.


The USSD service is based on session, which means that you will be validated in each session and your transaction information can be saved.

The duration of each session is determined by the service providers and it allows you to transact within 2-3 minutes. If you waste too much time your connection might be lost or the session will be timed out.

If you’ve already typed information in or made a menu selection before you lost connection or session times out, you can still continue your transaction at the point where you left off by redialling the USSD Code within 5 minutes of the disconnection or timeout.


Benefits Of Capitec Cellphone Banking

With Capitec cellphone banking, you can do the following:

  • Buy airtime, data and SMS bundles
  • Buy electricity
  • View account balances at any time
  • View last electricity token purchased
  • Do credit facility transfers
  • Pay Capitec Bank clients
  • Transfer money between your accounts
  • Register for SMS Update for added security
  • Approve DebiCheck mandates
  • Stop your card if lost or stolen
  • Allow or reject tap to pay on your cards
  • Send own account details using SMS or email
  • Email statement
  • Send cash to friends and family
  • View the last 5 transactions

Here’s How To Register And Activate The Capitec USSD Code

Below is a step by step guide on how you can register for Capitec USSD Code

Step 1: Dial the Capitec USSD code *120*3279# on your cellphone


Step 2: Select 1 then proceed

Step 3: Ensure to read and accept the terms and conditions before proceeding

Step 4: Enter either your SA ID number or your passport number then proceed


Step 5: Create a 5-digit numeric PIN

Step 6: You have successfully registered with Capitec USSD Code.

How To Transfer Money With Capitec USSD Code

Below is a step by step guide on how to make transfer with Capitec USSD Code


Step 1: Dial *120*3279# and reply 9

Step 2: Accept the terms and conditions and select 1 to proceed

Step 3: Choose “From” account


Step 4: Input the amount you want to send

Step 5: Create a 4-digit secret code that will be used by the receiver to collect the money

Step 6: Enter your Mobile Banking PIN to confirm transaction



You can now perform financial transactions with Capitec USSD Code from the comfort of your home, the reference number for the cash transfer will be sent to your registered cellphone number. Enable to send the SMS to the receiver, who will need the reference number to collect the cash.

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