For many small business owners in South Africa, access to reliable and affordable banking remains a challenge. Long travel times, high fees and limited support can slow down growth. The Business Centre is designed to support businesses at every stage.
Whether they are just starting out or already running an established operation, entrepreneurs can get in-person help with openingbusiness bank accounts, applying for credit, setting up card machines and understanding how to manage their money better. Having a physical space where business owners can ask questions and get guidance can make a real difference, especially for those navigating banking for their establishments for the first time. One of the biggest advantages for entrepreneurs are rates.
High banking fees often eat into already-tight margins. Capitec has focused on keeping costs simple and transparent. Business clientsbenefit from low transaction fees, such as R1 for payments to Capitec accounts and R2 to other banks, with no expenses on local card payments.
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The reduced merchant commission on card machines has supported over 39,000 new vendors since 2025. For many small businesses, this means more funding stays in the business instead of going to bank charges. The introduction of Capitec’sEntrepreneur Accountin December 2025 — an account suitable for freelancers and informal traders — is another important step for the bank.
This zero monthly fee account is designed for sole proprietors and small businesses — an often overlooked but vital part of South Africa’s economy. It allows independent professionals to separate personal and business finances, improve visibility of their income and expenses, and manage multiple income streams through up to four dedicated accounts.
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