Banking
FNB vs Capitec in South Africa (2026)
FNB
vs
Capitec
Quick Summary
Capitec is cheaper for everyday banking, while FNB offers more features and business products. Capitec is best for low fees, FNB is best for full-service banking.
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FNB vs Capitec — Side by Side
| Feature | FNB | Capitec |
|---|---|---|
| Monthly Fee | R0 - R399 | R7 - R59 |
| App Rating | Excellent | Excellent |
| ATM Withdrawals | R9 per R1000 | R8 per R1000 |
| Business Banking | Yes | Limited |
| Branches | Many | Growing |
Best For
Best for low fees
Capitec
Best for business banking
FNB
Best mobile app
Tie
Pros & Cons
FNB
Pros
- Full suite of products
- Strong business banking
- Large branch network
Cons
- Higher monthly fees
- More complex fee structures
Capitec
Pros
- Very low fees
- Simple pricing
- Excellent app
Cons
- Limited business banking
- Fewer branch locations
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Price Breakdown
Monthly banking fees depend on the account tier you choose.
| Type | FNB | Capitec |
|---|---|---|
| Basic monthly fee | R0 (Easy Zero) | R7 (Global One) |
| Mid-tier monthly fee | R109 | R59 |
| ATM withdrawal | R9 | R8 |
Useful Calculators
Frequently Asked Questions
Is Capitec cheaper than FNB?
Yes, Capitec generally has lower monthly banking fees.
Which bank has better business banking?
FNB has a much larger business banking offering.
Which bank app is better?
Both apps are highly rated in South Africa.
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