We’ve launched a new update to our Affordability Solution that significantly improves accessibility and conversion – specifically for Capitec customers who do not have internet banking enabled but still attempt to log in online to submit their bank statements.
Solving a critical user challenge
A large portion of Capitec’s customer base relies exclusively on the mobile app to manage their finances, with internet banking often disabled. This has historically created a barrier during the affordability assessment journey, where online banking credentials are typically required to retrieve statements.
To address this, we’ve introduced an Email Reroute Service – a streamlined alternative that allows users to send their bank statements directly from the Capitec app to a designated email address. Within the first month of launch, this enhancement has already delivered a 17% increase in success rates.

Zero-disruption API integration
If you’re already integrated with our affordability solution for the online login journey, there’s nothing you need to change. The session code remains linked to the original bank account ID, enabling automatic processing to continue seamlessly – with no updates required to your existing API integration.
By removing a major point of friction for Capitec users, this update not only increases accessibility and improves conversion but also elevates the overall user experience – all without adding complexity to your integration.
