Quick Summary

Capitec Bank offers a convenient and secure way to purchase and send vouchers in South Africa. Whether you’re looking to buy gifts for loved ones or make online transactions, Capitec’s voucher service has you covered. With options to buy vouchers through their app or by dialing 1203279#, customers can easily access a wide range of participating retailers. From groceries to clothing stores to online platforms, there’s something for everyone. Plus, with safety features in place and a low transaction fee of R1.50 per voucher, buying vouchers through Capitec is both hassle-free and affordable. So why wait? Start using Capitec’s voucher service today and enjoy the convenience it offers!

I. Introduction

In today’s fast-paced world, convenience and security are paramount when it comes to managing finances and making transactions. Capitec Bank, a leading financial institution in South Africa, recognizes the importance of offering its customers convenient ways to purchase vouchers for various purposes. Whether you’re looking to send a gift to a loved one or make online purchases without the need for a bank card, Capitec’s voucher service provides a hassle-free solution.

Buying vouchers through Capitec is not only convenient but also safe, eliminating the need to carry large amounts of cash or share sensitive bank details online. With just a few taps on your smartphone or a simple dial of a code, you can purchase vouchers for a wide range of participating retailers, offering recipients the freedom to choose their own gifts or services.

In this comprehensive guide, we’ll explore how to buy vouchers using Capitec, the benefits of utilizing this service, the types of vouchers available, and everything else you need to know to make the most out of your voucher purchasing experience.

II. Benefits of Buying Vouchers

Purchasing vouchers through Capitec Bank comes with several advantages that make it a preferred choice for many customers. Let’s delve into some of the key benefits:

1. Flexibility in Gift-Giving

One of the primary benefits of buying vouchers through Capitec is the flexibility it offers in gift-giving. Instead of agonizing over what specific item to purchase for a friend or family member, vouchers allow recipients to choose something they truly desire from a wide selection of participating retailers. Whether it’s groceries, clothing, electronics, or dining experiences, the versatility of vouchers ensures that the gift is tailored to the recipient’s preferences.

2. Enhanced Safety and Security

Safety and security are paramount when it comes to financial transactions. With Capitec’s voucher service, customers can enjoy enhanced safety compared to traditional cash transactions. By eliminating the need to carry physical cash or share sensitive bank details online, purchasing vouchers through Capitec provides peace of mind knowing that transactions are conducted securely. Additionally, vouchers can be easily tracked and monitored, reducing the risk of fraud or unauthorized use.

3. Convenient Online Transactions

In today’s digital age, online shopping has become increasingly popular. Capitec’s voucher service extends this convenience by allowing customers to make online purchases without the need for a bank card. Whether you’re shopping for clothing, electronics, or household items, vouchers can be used to pay for goods and services on various e-commerce platforms, offering a seamless and hassle-free shopping experience.

4. Low Transaction Fees

Another advantage of buying vouchers through Capitec is the low transaction fees associated with the service. With just a minimal fee per voucher transaction, customers can enjoy the convenience of purchasing vouchers without breaking the bank. Whether you’re buying a single voucher or multiple vouchers, the low transaction fees make it an affordable option for both buyers and recipients alike.

In the next sections, we’ll explore the different types of vouchers available through Capitec Bank and provide step-by-step guides on how to purchase vouchers using the Capitec app and via phone banking.

Stay tuned for more insightful information on how to make the most out of Capitec’s voucher service!

III. Types of Vouchers Available

Capitec Bank offers a variety of vouchers tailored to different needs and preferences. Understanding the differences between these voucher types will help you make an informed decision when purchasing one.

1. Capitec Flexi Vouchers

Description: Capitec Flexi Vouchers are versatile options that provide recipients with the freedom to choose where they want to redeem them. Accepted at any participating retailer across multiple categories, Flexi Vouchers offer flexibility and convenience.


  • Recipients can select from a wide range of products or services available across various stores.
  • Ideal for individuals who prefer having the flexibility to choose their own gifts or experiences.
  • Offers convenience and versatility for both buyers and recipients.

2. Retailer-Specific Vouchers

Description: Retailer-Specific Vouchers are designed exclusively for use at specific retailers partnered with Capitec Bank. These vouchers are tailored to the offerings of each retailer, ensuring that recipients can redeem them for products or services of their choice from a particular store.


  • Guarantees that recipients can use the voucher at their favorite retailer.
  • Allows for a more personalized gifting experience, as the voucher is specific to a particular store.
  • Offers convenience and ease of use for recipients who frequent a specific retailer.

3. Online Vouchers

Description: Online Vouchers are digital certificates that can be used for online purchases on partnered e-commerce platforms. These vouchers provide recipients with access to discounts and promotions when shopping online, without the need for bank card details.


  • Enables secure and hassle-free online transactions without the risk of sharing bank card details.
  • Provides recipients with access to a wide range of products and services available on various e-commerce platforms.
  • Offers convenience and flexibility for online shoppers.

4. Capitec Top-Up Vouchers

Description: Capitec Top-Up Vouchers are designed for prepaid mobile network users in South Africa. These vouchers allow users to easily recharge their accounts with any participating mobile network operator.


  • Provides a convenient way for prepaid mobile users to top up their airtime balance.
  • Offers flexibility and ease of use for individuals who rely on prepaid mobile services.
  • Eliminates the need for physical recharge vouchers or visiting retail outlets.

By understanding the different types of vouchers available through Capitec Bank, you can choose the option that best suits your needs or preferences. Whether you’re looking for flexibility, convenience, or a personalized gifting experience, Capitec’s voucher service has you covered. In the following sections, we’ll explore how to purchase vouchers using the Capitec app and via phone banking, so stay tuned for step-by-step guides and helpful tips!

IV. Purchasing a Voucher Using the Capitec App

Buying a voucher through the Capitec app is a straightforward process that offers convenience and ease of use. Follow these step-by-step instructions to purchase your desired voucher:

Step 1: Open the Capitec App

Launch the Capitec app on your smartphone or tablet. If you haven’t installed the app yet, you can download it from the Google Play Store (for Android) or the Apple App Store (for iOS).

Step 2: Log In to Your Account

Enter your login details – username and password – to access your Capitec account securely.

Step 3: Navigate to “Buy Vouchers”

Once logged in, navigate through the menu options until you find the “Buy Vouchers” section. This option is typically located within the transactions or payments category.

Step 4: Select Voucher Type and Amount

Choose the type of voucher you wish to purchase based on your intended use. Capitec offers various categories such as groceries, restaurants, clothing stores, and more. Select the category that best suits your needs.

Next, enter the desired amount for the voucher. Keep in mind that some retailers may have minimum or maximum voucher values, so ensure your chosen amount meets the requirements.

Step 5: Provide Recipient’s Information

After selecting the voucher type and amount, you’ll need to provide the recipient’s information. Enter the recipient’s cellphone number accurately, as this is how they will receive the voucher.

Step 6: Choose Payment Method

Finally, choose your preferred payment method for the voucher. You can opt to deduct the voucher amount from your main savings account or a flexible savings plan, depending on your preference and available funds.

Once you’ve completed these steps, review your transaction details to ensure accuracy, then confirm your purchase. You’ll receive a confirmation message containing a unique voucher code associated with the purchased voucher. This code must be shared by the recipient at the participating store or retailer when redeeming their chosen items or services.

Purchasing a voucher through the Capitec app is not only convenient but also safe and secure. With just a few taps on your smartphone, you can send gifts, make online purchases, or top up prepaid mobile accounts hassle-free. Stay tuned for the next section, where we’ll explore how to buy vouchers using phone banking with Capitec!

V. Purchasing a Voucher Using 1203279#

If you prefer not to use the Capitec app, you can still easily buy a voucher using your cellphone by dialing 1203279#. Follow these simple steps:

Step 1: Dial 1203279#

On your cellphone, dial 1203279# to access the Capitec voucher purchasing service.

Step 2: Selecting the Voucher Type and Amount

Upon dialing the number, you will be presented with options for different types of vouchers available. Choose the type of voucher that aligns with your needs or preferences.

Once you’ve selected the voucher type, you’ll be prompted to enter the desired amount for the voucher. Make sure the amount meets any minimum or maximum value requirements set by the retailer.

Step 3: Providing Recipient’s Cellphone Number

After selecting the voucher type and amount, you’ll need to provide the recipient’s cellphone number. Double-check the number to ensure accuracy, as this is how the recipient will receive their voucher.

Step 4: Using Main Savings Account or Flexible Savings Plan

When purchasing a voucher through 1203279#, you’ll have the option to choose between using funds from your main savings account or a flexible savings plan.

If opting to use funds from your main savings account:

  • Ensure that there are sufficient funds available in your account before proceeding with the purchase.

If choosing to utilize funds from one of Capitec Bank’s flexible saving plans:

  • Confirm the availability of enough balance within the specific flexi-savings option you intend to use.

Step 5: Confirming Your Purchase

Once you’ve completed the above steps, review your transaction details to ensure accuracy. Confirm your purchase, and you’ll receive a confirmation message containing a unique voucher code associated with the purchased voucher.

The voucher code must be shared by the recipient at the participating store or retailer when redeeming their chosen items or services.

Purchasing a voucher via 1203279# offers a convenient alternative for those who prefer not to use the Capitec app. With just a few simple steps, you can buy vouchers and send gifts to your loved ones or top up prepaid mobile accounts directly from your cellphone. Stay tuned for more information on participating retailers and tips for maximizing your voucher purchasing experience!

VI. Participating Retailers

Capitec Bank’s voucher service offers access to a wide range of participating retailers where vouchers can be redeemed. Whether you’re looking to buy groceries, enjoy a meal at your favorite restaurant, or shop for clothing and beauty products, there are plenty of options available. Here’s a list of popular participating retailers:

  1. Pick n Pay: South Africa’s leading supermarket chain offering groceries, household items, and more.
  2. Dis-Chem: A well-known pharmacy with an extensive range of health and wellness products.
  3. Mr D: An online food delivery service that brings delicious meals right to your doorstep.
  4. Vida e Caffe: A trendy coffee shop known for its high-quality coffee blends and tasty snacks.
  5. Steers: Famous for their flame-grilled burgers made from 100% pure beef patties.
  6. Debonairs Pizza: Offers mouthwatering pizzas with various toppings combinations.
  7. Wimpy: Known as the home away from home serving breakfasts, lunches, dinners & coffees.
  8. Mugg & Bean: A cozy café-style eatery famous for its generous portions, breakfast menu, and bottomless cups of coffee.
  9. Fishaways: Specializes in seafood dishes such as fish & chips, sushi, & calamari.
  10. Milky Lane: An iconic ice cream parlor loved by many generations, famous for milkshakes, waffles, and sundaes.
  11. Krispy Kreme: The ultimate destination if you have a sweet tooth, known worldwide for their doughnuts.
  12. Col’Cacchio: Popular Italian-inspired pizzeria specializing in gourmet thin-based pizza.
  13. Burger King: Fast-food giant renowned globally, best known for their Whopper burger.
  14. NetFlorist: One-stop-shop florist delivering flowers, gift hampers, cakes, chocolates across SA.
  15. Cape Union Mart: Retailer selling outdoor gear, clothing, footwear & accessories for adventure enthusiasts.
  16. Poetry: A boutique-style store offering a range of clothing and homeware items with an artistic touch.
  17. Old Khaki: Offers casual wear inspired by the outdoors.

Please note that this list is not exhaustive, and there are many more retailers available where you can use your Capitec vouchers. Whether you’re looking to shop for essentials or treat yourself to something special, these participating retailers have got you covered.

Remember to check the terms and conditions associated with each retailer-specific voucher as they may vary slightly from one another. Enjoy the convenience of using your Capitec vouchers at any of these fantastic establishments!

VII. Important Points to Note

When purchasing vouchers through Capitec Bank, there are several important points to keep in mind:

  1. No Refunds or Exchanges: Vouchers cannot be refunded or exchanged, so it’s crucial to choose the right amount and retailer before making a purchase.
  2. Validity Period: Each voucher is valid for 36 months from the date of purchase. After this period, any remaining credit will expire, so be sure to use the voucher within the specified timeframe.
  3. Recipient Responsibility: The responsibility for safeguarding vouchers lies with the recipients. Capitec Bank does not assume liability in case of loss or theft, so it’s essential to treat the voucher code with care.
  4. Types of Vouchers: Capitec Bank offers various types of vouchers tailored to different needs, including Flexi Vouchers, Retailer-Specific Vouchers, Online Vouchers, and Top-Up Vouchers.

VIII. Capitec Blu and OTT Vouchers

Capitec Bank also offers Blu Vouchers and OTT (Over-The-Top) Vouchers, providing additional convenience and security for online transactions:

  1. Blu Vouchers: Single-use prepaid vouchers that can be used for various transactions without the need to enter bank card details. They offer peace of mind when making online purchases by eliminating the risk associated with sharing sensitive financial information.
  2. OTT Vouchers: Similar to Blu Vouchers, OTT Vouchers are digital cash tokens that allow users to fund their accounts on specific platforms, such as Hollywoodbets, without the need for bank card details.

To purchase Blu or OTT Vouchers using your Capitec account:

  • Visit the respective website where you intend to use them.
  • Follow the instructions provided on the website to complete the purchase using your Capitec account details.

These vouchers offer a secure and convenient way to make online transactions without the need for bank card details. By using Blu or OTT Vouchers, you can enjoy peace of mind knowing that your financial information is protected.

Please note that Blu and OTT Vouchers are single-use only and cannot be refunded or exchanged. Additionally, they have an expiration date, so it’s essential to use them before they expire.

IX. Frequently Asked Questions (FAQs)

Here are some common questions about buying vouchers using Capitec Bank’s services:

Q1. Can I get a refund for a voucher purchased through Capitec?

A1: No, vouchers cannot be refunded or exchanged once they have been purchased.

Q2. How long is the validity of a voucher bought with Capitec?

A2: Vouchers are valid for 36 months from the date of purchase.

Q3. Can I exchange my voucher for cash?

A3: No, vouchers cannot be exchanged for cash at any time.

Q4. What happens if there is still credit left on my voucher after it expires?

A4: Any remaining credit balance on your expired voucher will be forfeited and cannot be used or reclaimed.

Q5. Who is responsible if my voucher code gets lost or stolen?

A5: The person who received the voucher is responsible for its safekeeping. Capitec takes no responsibility if the voucher code was lost or stolen.

If you have any other questions or concerns not addressed here, feel free to reach out to Capitec Bank’s customer support for assistance.

X. Conclusion

In conclusion, buying and sending vouchers through Capitec Bank is a convenient and safe way to make purchases, send gifts, or top up accounts. With the option to buy vouchers using their app or by dialing 1203279#, Capitec customers have easy access to a wide range of participating retailers.


The convenience factor cannot be overstated. Instead of spending time searching for the perfect gift or worrying about carrying cash, you can simply purchase a voucher with just a few taps on your phone. The recipient then has the freedom to choose exactly what they want from one of many popular retailers such as Pick n Pay, Dis-Chem, Mr D, Vida e Caffe, and more.


Safety is also an important consideration when it comes to making online transactions. By purchasing vouchers instead of entering bank card details directly onto websites, you are reducing the risk associated with sharing sensitive information online. Blu Voucher and OTT Voucher offer additional peace of mind as there’s no need to enter any bank card details at all, making them even safer options for online transactions.

Low Transaction Fee:

Another advantage is that buying and sending vouchers can be done at a low transaction fee of R1.50 per voucher transaction. This means you’re not only saving time but also money!

So why not take full advantage of this service? Whether you’re looking for the perfect gift or want to deposit money into an account with a participating online store, Capitec takes care of safely transferring your funds. With a wide selection of types of offers available, such as Capitec Flexi Vouchers, online retailer-specific vouchers, and Blu Voucher, as well as the convenience of funding OTT accounts using CallPay and Ozow, this service has it all! Don’t miss out on the safety and simplicity that buying and sending vouchers via Capitec have to offer. Start enjoying the benefits today!


Author’s Note

As the author of this guide, I want to emphasize the importance of using Capitec Bank’s voucher service responsibly and securely. While vouchers offer convenience and flexibility, it’s essential to adhere to the terms and conditions outlined by Capitec Bank to ensure a smooth and hassle-free experience.

Additionally, always prioritize the safety of your financial information and the security of your voucher codes. Treat your vouchers as you would cash, and be cautious when sharing voucher codes with others.

I hope this guide has provided valuable insights into how to buy and use vouchers effectively through Capitec Bank’s platform. If you have any feedback or suggestions for improvement, please feel free to reach out.

Happy voucher shopping!

Brief Note about the author.

Kimbowa Geofrey
Business & Financial Analyst

I am Kimbowa Geofrey, a go-getter, It is my passion that drives me in all I do but also the personal improvement that I experience.
My story started about 8 years back, trying one business to another, it wasn’t easy at the start because I didn’t get exactly what I expected out of these businesses and my frustration grew. Luckily I stumbled upon three businesses that changed my life; Web hosting, web development, and blogging.
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Hostziza Tech Solutions was founded in August 2021 by two visionary entrepreneurs,
Dr Nkurunziza Emmanuel and Mr Kimbowa Geofrey.
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