Sending money from FNB to Capitec is something many South Africans do daily. Whether you’re paying bills, supporting family, or handling business, knowing how long the transfer will take is important, especially if you need the funds to reflect quickly.
This guide covers everything you need to know about FNB to Capitec transfer times, including standard EFT delays and how to send money instantly.
FNB To Capitec Transfare Time (How Long)
When you use a regular EFT (Electronic Funds Transfer) from FNB to Capitec, the money usually reflects within 24 to 48 hours. But that can change depending on:
- Day and Time of Transfer: Transfers made during business hours (Monday to Friday) are processed faster than those made late at night or over the weekend.
- Public Holidays: Payments made on public holidays or weekends are only processed the next working day, causing delays.
If your transfer is urgent, it’s worth considering faster options.
Instant Bank Transfer On FNB Using Payshap
With FNB PayShap, you can send money instantly to anyone using any bank all you need is their ShapID or cellphone number linked to their bank account. The payment is reflected in the recipient’s account in less than 10 seconds, making it perfect for quick transfers.
How to Use PayShap on the FNB Banking App
- Log in to your FNB Banking App.
- Tap on “Pay,” then select “Payshap payment.”
- Choose “Use their ShapID” or “Use their cellphone number.”
- Enter the recipient’s ShapID or cellphone number and select their bank.
- Confirm the recipient’s details.
- Enter the amount you wish to send and add a reference if needed.
- Tap “Continue,” then “Pay Beneficiary.”
- Your payment is successful
FNB Payshap Fees
FNB charges a fee for instant payments, which depends on the amount you’re sending and the type of bank account you are using. But using Payshap is the best option since the payment will be instant and the feees are the same across all FNB Bank Account Types.
| PayShap payments | Payshap FNB Fees |
|---|---|
| Less than or equal to R100.00 | No changes |
| Greater than R100.00 | R0.65 per R100 |
The fees are a bit bigger than Absa Payshap fees, and with FNB, there is no max, which means you can transfer as much as possible and be charged as much as possible.
FNB to Other Banks – Transfer Time Overview
Here’s how long it takes to transfer money from FNB to some of the other major South African banks:
| Receiving Bank | Standard EFT Time | Instant Payment Available |
|---|---|---|
| Capitec | 24 – 48 hrs | Yes |
| Nedbank | 24 – 48 hrs | Yes |
| Absa | 24 – 48 hrs | Yes |
| TymeBank | 24 – 48 hrs | Yes |
| African Bank | 24 – 48 hrs | Yes |
| Discovery Bank | 24 – 48 hrs | Yes |
Final Thoughts
While EFTs between FNB and Capitec can take up to 2 days, FNB gives you faster options if needed. Whether you go for a standard EFT to save on fees or pay extra for instant clearance, understanding your options can save you time and frustration. Always check the timing, fees, and limits before hitting “send” especially when the money matters.
