How to Increase Daily Limit on Capitec Bank

Knowing how to increase your daily limit on Capitec is important when you need to make large payments, transfers, withdrawals, or purchases. Capitec allows customers to control their daily transaction limits for security reasons, but these limits can be adjusted when necessary. Whether you are paying school fees, buying a vehicle, or making a business transaction, understanding how to change your limits safely and correctly can save time and reduce frustration.

This article explains the different ways to increase your Capitec daily limit and important things to keep in mind.

1. What Daily Limits Are at Capitec

Daily limits are security controls set on your account.

They apply to:

• EFT transfers
• Card purchases
• ATM withdrawals
• Online and mobile banking transactions

Limits help protect your money from fraud and unauthorized transactions.

2. Check Your Current Daily Limit First

Before increasing your limit, it is important to know your current setting.

You can check your limits by:

• Logging into the Capitec mobile banking app
• Selecting Transact or Settings
• Viewing card and payment limits
• Reviewing EFT and withdrawal limits

Knowing your current limit helps you decide how much to increase it.

3. Increase Daily Limit Using the Capitec App

The Capitec app is the easiest and fastest option.

Steps usually include:

• Opening the Capitec app
• Logging in with your PIN or biometrics
• Selecting Cards or Transact
• Choosing Change limits
• Entering the new desired limit
• Confirming with your secret PIN

Changes made on the app often take effect immediately.

4. Increase Daily Limit at a Capitec ATM

You can also change limits at a Capitec ATM.

The process generally involves:

• Inserting your Capitec card
• Entering your PIN
• Selecting Change card limits
• Choosing the limit you want to increase
• Confirming the changes

This option is useful if you do not have access to the app.

5. Visit a Capitec Branch for Assistance

For very high limits or special cases, a branch visit may be required.

At the branch:

• Bring your valid South African ID
• Request assistance with limit changes
• Confirm your identity
• Discuss any restrictions on your account

Branch staff can help with account-specific issues.

6. Be Aware of Maximum Allowable Limits

Capitec sets maximum limits for security reasons.

Important points include:

• Not all limits can be increased beyond a certain amount
• Limits may differ for cards, EFTs, and withdrawals
• New or restricted accounts may have lower limits

If you reach the maximum, alternative payment methods may be required.

7. Temporarily Increase Limits for One-Time Payments

You do not need to keep high limits permanently.

Smart practices include:

• Increasing limits only when needed
• Reducing them again after the transaction
• Using temporary increases for large payments

This keeps your account secure.

8. Ensure Your Account Is Fully Verified

Unverified accounts may have lower limits.

To avoid restrictions:

• Ensure your FICA details are up to date
• Confirm your personal information
• Respond to Capitec verification requests promptly

Verification improves account flexibility.

9. Consider Security Risks When Increasing Limits

Higher limits increase potential risk.

Protect your account by:

• Never sharing your PIN
• Avoiding public Wi-Fi when banking
• Monitoring transactions regularly
• Reducing limits when not needed

Security should always be a priority.

10. Contact Capitec Customer Support if Limits Do Not Change

Sometimes limits may not update immediately.

If this happens:

• Contact Capitec customer care
• Visit a branch if advised
• Confirm there are no account restrictions
• Request technical assistance

Support teams can resolve most issues quickly.

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