Our Fundamentals

Our fundamentals are intrinsic to who we are, what we do and how we do it. Banking can be complex, but it shouldn't be complicated.

Simplicity
Simplicity is the essence of our brand. To simplify banking, we’ve developed an all-inclusive banking solution, Global One. Our Global One offering provides simplified, affordable, transparent and cost-effective banking options to meet our clients’ needs. Because we want them to spend their time and money on the things that matter the most to them, like education, family, health and meaningful experiences, or growing their business – not on their banking.

Affordability
We give our clients access to transparent and affordable banking services, and we use innovative technology and realtime processes to pass any cost savings on to our clients. There are no hidden costs. We want our clients to clearly understand exactly what they’re paying for.

Accessibility
We want our clients to access their accounts and money – easily and affordably – when and how it suits them, regardless of whether you prefer banking on your cellphone, ATM transacting, drawing cash at tillpoints or visiting a branch, how you access your money is your choice.

Personalised experience
An affordable, simplified banking solution would mean very little without excellent service. Every Capitec person is responsible for creating value and delivering moments that matter to our clients. We want them to be empowered to make the right decisions because we know them well enough to give them the right information at the right time. We want them to trust us enough with their money and data to be their financial partner, and we put them first by providing a personalised service experience that makes them feel valued.


Capitec people "live CEO". Simply put, it's how we do things around here and why no other bank can help people the way we do. We behave like a CEO in every situation; we put the Client first, we act with Energy and we take Ownership. That’s how we build trust and long-lasting relationships – not only with our clients, but also within our team. Read more about what it means to be a CEO in our articles below.

Sibabalo makes a difference by applying the principles of being a CEO at work and in his personal life too.

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Joy says that Capitec’s CEO values of putting the client first, acting with energy and taking ownership are key to her team’s success.

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The CEO values have become part of Mendy’s everyday life; she believes they have made her a better person.

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