How long does it take to send money from FNB to Capitec Bank?

How long does it take to send money from FNB to Capitec? It takes longer than transferring money between two Capitec Bank accounts.

It can take up to 48 hours for the money to reflect in your account after being sent by eft from FNB to Capitec or vice versa. This is very frustrating if you want the money to reach its destination quicker.

In extreme cases it can take up to 3 days, the time of day you send your money also determines when it will arrive. If for example you send your money after working hours then it will only be processed on the following day and might take 48 hours counting from the time it was processed.

Most banks tell you the effective date of when your money will be transferred. If you want your money to reach its destination sooner then you have to transfer it earlier during the day during working hours.

Weekends and holidays

Money that is transferred during weekends and holidays can take even longer than 3 days to reflect in some cases. If for example you sent your money on Friday, which was a public holiday then your money can reflect as late as Tuesday.

Try your best not to transfer your money during holidays or weekends. The best way to go around this is by using an immediate payment, which will cost you extra money, usually less than R20. This way your money will reflect within 60 seconds and not 48 hours.


An eft from FNB to Capitec Bank usually takes 48 hours and can take 3 or more days in extreme cases. Do you have any thoughts or questions? Comment below.

  1. Franscois

    Jow long wil kt take from the sms i got FNB Payment Notification: ZAR150.00 from VEGAS BETS to VB8528Williams …129834. Ref VEGASBETS.CO.ZA 2022/06/30 12:25. 6RGRVXNJ. To reflect in my capitec acount how long must i wait

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