How To Register for Capitec Bank USSD Code

Capitec Bank is a financial institution that has made banking easier for South Africans. Capitec Bank has introduced different digital banking channels to make banking more suitable for its customers. One of these channels is the USSD code, which grants users access to banking services on their mobile phones. In this article, we’ll be discussing how to register for the Capitec Bank USSD code.

How To Register for Capitec Bank USSD Code

How to Register for Capitec Bank USSD Code

Here’s a step-by-step guide to getting you started on how you can register for your Capitec bank USSD code:

  • Dial the USSD Code: To begin, you’ll need to dial *120*3279# on your phone. This is the USSD code for Capitec Bank.
  • Select “Register”: After dialing the code, you’ll be prompted with a menu of options. Look for the “Register” option and select it by entering the corresponding number.
  • Enter Your ID Number: The next step is to enter your South African ID number. Make sure to enter it accurately to avoid any problems with the registration process.
  • Agree To the Terms and Conditions: Once you’ve entered your ID number, you’ll be asked to agree to the terms and conditions of using Capitec Bank’s USSD service. Take your time to read through them and if you’re happy to proceed, select the option to agree.
  • Create a PIN: At this time, you’ll have to create a PIN for your USSD banking service. Select a four-digit PIN that you can easily remember but is not too obvious. This PIN will be used to access your account and carry out transactions, so keep it safe and secure.
  • Confirm your PIN: After creating your PIN, you’ll need to confirm it by re-entering your PIN. This step ensures that you’ve inputted the PIN accurately and helps prevent any errors.
  • Registration complete: Once you’ve confirmed your PIN, you’ll receive a confirmation message stating that your registration is complete. Congratulations! You’re now registered for Capitec Bank’s USSD code.

Now that you’re registered, you can use the USSD code to access a range of banking services, such as checking your account balance, transferring funds, and paying bills. Just dial *120*3279# and follow the prompts to navigate through the menu and perform your desired transactions.

Benefits of the Capitec Bank USSD Code

Registering for Capitec Bank’s USSD code comes with a lot of amazing benefits. Here are some of the benefits:


One of the biggest benefits of registering for Capitec Bank’s USSD code is the convenience it provides. With just a few taps on your phone, you can access a different range of banking services anytime, anywhere. No need to visit a branch or wait for hours before you get attended to. It’s banking made easy.


The USSD code is designed to be accessible to everyone, regardless of the type of mobile phone you have. Whether you’re using a basic feature phone or a smartphone, as long as you can make a call, you can use the USSD code to navigate through your Capitec Bank account. It’s a great option for those who don’t have access to internet banking or prefer a simpler way to bank.

Account Balance and Transaction History

With the USSD code, you can easily check your account balance and view your transaction history. This allows you to monitor your finances and stay on top of your spending. No more guessing or waiting for bank statements to arrive in the mail.

Fund Transfers

Need to send money to a friend or family member? Not to worry! The USSD code allows you to transfer funds between your Capitec Bank accounts or to other bank accounts. It’s a quick and easier way to make payments or send money when the need arises.

Airtime and Data Top-ups

Are you running low on airtime or data? The USSD code lets you recharge your mobile phone or purchase data bundles directly from your Capitec Bank account. It’s a convenient feature that saves you time and makes sure you stay connected.

Bill Payments

Say goodbye to stressful methods of bill payments. With the USSD code, you can quickly pay your utility bills, such as electricity, water, and even your DStv subscription. Just a few taps on your phone and your bills are sorted.


Capitec Bank takes the security of your account seriously. When you register for the USSD code, you create a unique PIN that only you know. This adds an extra layer of security to your banking transactions and helps protect your account from unauthorized access.


Using the USSD code for banking transactions is generally more cost-effective compared to other methods. You don’t have to worry about data charges or incurring additional fees for certain transactions.

Frequently Asked Questions

Can I Register for The USSD Code If I Don’t Have a Capitec Bank Account?

Unfortunately, the USSD code is only available for Capitec Bank account holders. If you don’t have an account with Capitec Bank, you will need to open one before you can register for the USSD code.

What if I forget my USSD Code PIN?

If you forget your USSD code PIN, don’t worry, follow these steps to reset it:

  • Dial *120*3279# on your mobile phone.
  • Select the option to “Reset PIN.”
  • Follow the prompts to reset your PIN and create a new one.

What if I Want to Unregister from The USSD Code?

If you no longer wish to use the USSD code, you can unregister by dialing *120*3279# on your mobile phone and selecting the option to “Unregister.” This will deactivate the USSD code service for your account.

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