How to Pay with Capitec Virtual Card

Most people worry about security for their accounts while transacting online. If you are a Capitec customer, that’s something that you may find yourself thinking about. The bank has the largest customer base in South Africa. Virtual cards are meant to make it easier and safe for people to make online purchases and to make other transactions. The card is not a copy of your physical card. It’s completely different, making it safe in case or a security breach. In this post, we will show you how to pay with your Capitec virtual card;

How to use Capitec virtual card

The following is how to pay with your Capitec virtual card;

  1. If you haven’t already done so, you need to download the Capitec app onto your phone or tablet.
  2. Once logged in, click on Cards in the menu bar at the bottom of the screen
  3. Click on the Virtual tab
  4. Click on Add virtual card
  5. Set limits for the card. As an example, you can set the limits for the card at R500 for online purchases
  6. Agree to the terms and conditions and click on Accept
  7. You can now use the virtual card

Why create a virtual card?

Those are the steps that you need to take if you wish to start using a Capitec virtual card. One question that may arise is why you would want to use a virtual card in the first place?

It’s something to which we have already alluded. When it comes to transacting online, it’s best to create compartments that keep your money safe.

Your physical card is linked to your card. It means should something go wrong, thieves may have access to all your money.

That’s not the case with virtual cards. We noted above that you can set limits for the card. Let’s say you wish to only use no more than R500 on online purchases. Setting these limits reduces your loss should something go wrong.

Virtual cards can also not be stolen or lost. That’s another layer of safety for you as you transact online. You may also need the virtual card in the event that you have stopped the physical card in case that is lost.


Capitec has over 21 million clients in South Africa. One concern for most of them is how they can remain safe when transacting. That’s particularly the case when it comes to making online purchases.

One way through which you can protect yourself as a Capitec customer is by using a virtual card for your online payments. Virtual cards cannot be stolen or lost. They are also separate from your physical card.

Activate online banking on Capitec app

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