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A powerful, new partnership

Bringing you trusted banking & cross-border transfers.

Start sending on Capitec today!

The trusted way to send money home

Built by Mama, trusted by Capitec, for the people who work hard to support family across borders

Trusted Security

Backed by Capitec’s institutional security and Mama Money’s specialized remittance network.

Shared Vision

Committed to driving financial inclusion and making cross-border payments accessible to all.

Right on the App

Seamless integration directly supporting international transfers with peace of mind.
For too long, sending money across borders has cost too much and taken too long. This partnership changes that. Capitec clients can now use Mama Money to send money home safely and affordably, straight from a banking app they already trust. More of your money reaches the people who matter most. Mama makes it happen.

Start sending money to:

How it works:
The Mama Token

Three simple steps. Your family does not even need a bank account to collect the money.

Start your transfer

Send with Mama on the Capitec app. Choose how much, which country and who you are sending money to.

Your recipient gets a token

We send your loved one a unique 12-digit token by SMS. This token is their secure key to the money.

They collect the cash

They take the token to a trusted Mama Money payout partner and collect the cash. No bank account and no long forms.

Why Send with Mama Money ON the Capitec App

See how it compares to a traditional cross-border bank transfer.
What matters to you Traditional bank transfer Mama Money via Capitec
Fees 8% to 12% From 5%
Speed Days Minutes
Recipient needs a bank account Yes No, just a token
Where they collect Limited Banks and agents in 90+ countries
How you send Branch or complex forms With Mama on the Capitec App

Every rand counts

When you earn every rand the hard way, every rand matters. That is why Mama Money keeps fees low and honest. No fine print. No funny business. More of your money reaches the people you love.
Send
Money
Home
Your own Bank Account & Card

You can do more on the Mama Money App

One trusted home for sending, spending, and saving.

Send money home

Reach 90+ countries with low, fair rates.

Mama Money Card

A bank account for foreign nationals. Any passport welcome.

Main Wallet

Manage your money & save for free

Pay, Buy & Shop

Buy vouchers & top-ups, pay subscriptions, & shop online

Frequently asked questions

Everything you need to know about sending money home with Mama Money and Capitec.
I am a Capitec client. How do I send money home with Mama Money?

You can access Mama Money right inside your Capitec banking app and send money home in a few taps. You can also use the Mama Money app or send on WhatsApp at +27 60 091 5591. Choose your amount, pick where it is going, and Mama Money handles the rest.

Which countries can I send to through this partnership?

The partnership is for Capitec clients sending to Kenya, Lesotho, Malawi, Mozambique, Uganda, Zambia, and Zimbabwe. Your family can collect the cash at trusted Mama Money payout partners across 90+ countries. See the full list here.

What is the Mama Money Token and how does it work?

The Mama Money Token is a unique 12-digit code we send to your recipient by SMS. It is their secure key to the money. They take the token to a trusted Mama Money payout partner, and they collect the cash. It is simple, safe, and there are no complicated forms.

Does my family need a bank account to collect the money?

No. That is the beauty of the token. Your loved one does not need a bank account. They only need the 12-digit token to collect their cash at a payout partner in their country.

How much does it cost to send money?

Fees start from 5%. Many traditional bank transfers cost between 8% and 12%, so more of your money reaches home. There is no fine print and no hidden charges. What you see is what you pay.

How long does the money take to arrive?

Cash collection and mobile wallet transfers arrive within minutes. When family is waiting, speed matters.

Is it safe?

Yes. Mama Money has 10 years of trusted operations and more than 20 million transactions. Your information is protected, and the token keeps every transfer secure. This partnership brings together Mama Money and Capitec, one of South Africa's most trusted banks.

How to get started:

Your love knows no borders. Your money shouldn't either. Send home today with Mama Money and Capitec.

WhatsApp (Send money)
+27 60 091 5591
Customer support
+27 64 802 84281
Call centre
+27 021 202 5420