How to Transfer Money from FNB to Capitec without App

In this section, we will discuss how to transfer money from FNB to Capitec without app. Follow the guidelines below:

To transfer money to Capitec from FNB without app, you could either use online banking or make use of the ATM. In this section, we will discuss both methods of transferring money to Capitec from FNB:

Online Banking

Follow the guidelines below step-by-step to send money to Capitec using FNB without the app

Access the FNB Online Banking Portal: To transfer money using FNB to Capitec by online banking method, first and foremost, you need to access the FNB official portal. You can do that by clicking here.
Enter your details: Fill out the login form with your accurate online banking details, then proceed to login.
Navigate to the Payment Section: On the dashboard, you will find the “Payments” tab. Click on it.
Select “Make a Payment”: In the list of options provided when you click on Payments, you will find another option, “Make a Payment.” Click on it.
Select “once-off payment”: Select this option; it indicates a single payment.
Enter the Capitec Account Details: Ensure you enter the accurate details of the Capitec account to which you wish to make the transfer. This includes selecting the appropriate Capitec account type (Savings Account or Cheque Account), selecting Capitec Bank Limited, and entering the recipient’s 10-digit Capitec account number.
Enter the Amount: Enter the amount that you wish to send, then proceed to the next step.
Select Account: Select the FNB account that you wish to make the transfer from, then proceed to the final step.
Confirm the Transaction: This is the final step, but just before you hit the send button, verify the details you entered to ensure they are all accurate. It is better to be safe than sorry. When you are sure the details provided are correct, enter your online banking password and click on send. There you go!

Automated Teller Machine (ATM)

In this section, we will discuss another alternative option to making a transfer to Capitec Bank from FNB without the app. Follow the steps below:

Visit an FNB ATM: For this option to work for you, you will need an FNB ATM. Locate the FNB ATM closest to you and implement the steps in the subsequent steps.
Input Your PIN: For security reasons, ATMs are designed to request PINs before transactions can be initiated. So, enter your PIN when you get the prompt, then proceed with the next step.
Choose “Payments”: Select the payment option on the ATM machine’s screen, and proceed to the next step.
Select “Make a Payment”: In the list of options provided when you click on Payments, you will find another option, “Make a Payment.” Click on it.
Enter the Capitec Account Details: Ensure you enter the accurate details of the Capitec account to which you wish to make the transfer.
- First, select the destination bank as “Capitec,” but if you do not find “Capitec” in the options provided, select “other banks.” Then enter Capitec.
- Enter the recipient’s 10-digit Capitec account number.
- Finally, add an optional reference. That’s it for the account details stage.
Enter the Amount: Enter the amount that you wish to send, then proceed to the next step.
Select Account: Select the FNB account that you wish to make the transfer from, then proceed to the final step.
Confirm the Transaction: This is the final step, but just before you confirm the transaction, verify the details you entered to ensure they are all accurate. It is better to be safe than sorry. When you are sure the details provided are correct, confirm the transaction and retrieve your card. There you have it!

Also read: FNB Temporary Loan: how it Works and how to Apply

How to Transfer Money Using FNB App to Capitec

If you prefer to use the FNB app instead of the options provided earlier, this section is for you. In this section, we will discuss how to transfer money using FNB app to Capitec.

The process is simple and straightforward; just follow the guidelines given below carefully:

Open the App: To transfer money using the FNB app to Capitec, you will need to have the app on your device. If you have yet to download the app, visit the Google Playstore (for Android devices) or App Store (for iOS devices) and install the app. If you have the app on your device already, you might want to make sure you are using the most up-to-date version.
Navigate to the Payment Section: Click on the “Payments” button.
Select “Send Money”: In the list of options provided when you click on Payments, you will find another option, “Send Money.” Click on it.
Select “once-off payment”: Select this option; it indicates a single payment. However, if you wish to save the account details for future use, you could select “Add Baneficiary.”
Enter the Capitec Account Details: Ensure you enter the accurate details of the Capitec account to which you wish to make the transfer. Below are the details you will be required to provide:
- Account Type: Select the recipent’s account type, typically “Savings Account” or “Cheque Account.”
- Destination Bank: Select Capitec Bank Limited
- Recipent’s Account Number: Enter the recipent’s 10-digit Capitec account number.
- Optional Reference: You read correctly, it is optional. You may or may not add a reference.
- Note that the branch code is not required for Capitec transfers. Hence, you may leave the branch code part blank.
Enter the Amount: Enter the amount that you wish to send, then proceed to the next step.
Select Account: Select the FNB account that you wish to make the transfer from, then proceed to the final step.
Confirm the Transaction: This is the final step, but just before you confirm the transaction, verify the details you entered to ensure they are all accurate. It is better to be safe than sorry. When you are sure the details provided are correct, enter your one-time password (OTP) and finalise the transaction by clicking send.

How Long Does Transfer from FNB to Capitec Take?

In this section, we will examine how long transfers from FNB to Capitec take.

It is important to know, however, that the time varies based on how the transfer was made.

The subsequent section is divided into two parts in order to explain how long it takes to transfer money using FNB to Capitec.

The first part will explain the immediate payment option, while the second part will explain the normal transfer method.

Stay tuned as we walk you through the timeframe of each mode of transfers using FNB to Capitec in the subsequent sections.

Also read: How to Apply for FNB Business Loan in South Africa

1. Immediate Payment Option

Before we explain how long it takes to transfer money from FNB to Capitec using the immediate payment option, we will like to clarify that the immediate option attracts a R7 fee, which is fair enough.

Now, to the various options available in this mode:

Via the App

When you make a transfer using FNB to Capitec from the app and you select the immediate payment option, the money reflects instantly in the recipient’s account.

In the worst case, it takes no more than 5 minutes.

Online (EFT)

When you make a transfer using FNB to Capitec via electronic funds transfer (ETF), FNB credits the recipient instantly.

In cases of anticipated delays, it takes no more than 5 minutes to validate the transaction and credit the recipient.

Via the ATM

For this option to work, you need the FNB ATM, like we have previously established. Like other transaction modes, it doesn’t take more than 5 minutes as long as you select the immediate pay and clear option.

An interesting fact about the immediate pay option is that it works in defiance of weekends and holidays.

It doesn’t matter when you initiate the transaction, as long as you select the immediate pay option, it takes no more than 5 minutes for the recipient to be credited.

Also read: FNB Loan Calculator and how to Use it

2. The Normal Transfer Option

How long does transfer from FNB to Capitec take when you select the normal transfer option? This method takes around 24 hours.

Let’s expound on the available channels of transfer below:

Via the App

When you make a transfer from FNB to Capitec via the app and you select the normal option, it takes around 24 hours for the transaction to be cleared.

The recipient should expect to receive the money within this time.

You could also reverse an eWallet money payment via the app.

Online (EFT)

The electronic funds transfer from FNB to Capitec using the normal method also take around 24 hours for the transaction to be cleared.

Via the ATM

This also takes around 24 hours.

An Important Note: Unlike the immediate payment option, the normal transfer method can be delayed by weekends (Friday, Saturday, and Sunday), and holidays.

When you make a transfer from FNB to Capitec during this time, it could take around 24 hours to 36 hours for the transaction to be cleared.

Moreover, when you make any transaction during these periods using the normal option, FNB might not process your transaction until it resumes on a working day like Monday.

Also read: How to get an FNB Loan without Payslip

Frequently Asked Questions

How Long Does Transfer from FNB to Capitec Take?

If you select the “immediate payment” option during the transfer process, FNB will credit the Capitec recipient’s account instantly. In the worst case, it takes no more than 5 minutes. However, if you select the normal transfer option, FNB might take from 24 to 36 hours to process the transaction, depending on the circumstances (weekdays, weekends, or holidays) that surround the transfer.

Can I Transfer Money Using FNB App to Capitec?

Yes, you can transfer money from FNB to Capitec through the FNB app.

How Can I Transfer Money from FNB to Capitec?

You can transfer money from FNB to Capitec through the FNB app, FNB ATM, and FNB Internet Banking.

Can I Transfer Money from FNB to Capitec without the App?

Yes, you can.

Conclusion: Transferring Money Does Not Have to be a Chore

Do you wish to make a transfer from your FNB account to a Capitec account? It doesn’t have to be a chore.

The information provided in this article has answered virtually all the questions you might want to ask in order to initiate the transaction, from the first step to the last.

Pick up your card or your device and execute that transaction like a pro!

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References

Wikipedia.org – First National Bank (South Africa)
Howbet.co.za – How to Transfer Money from FNB to Capitec
Mamzanzi.com – FNB To Capitec Transfer Time ( How Long Does It Take for EFT Money)