Waiting for money to show up in your account can be stressful. You keep refreshing your banking app, hoping to see the balance update. If you're wondering how long a transfer from FNB to Capitec takes, the short answer is that it's usually very quick, often instant. However, a few things can slow it down.

Money transfers between FNB and Capitec are generally fast. If the person sending you money uses the "Pay and Clear Now" or "Immediate Payment" option, you should see the money in your Capitec account within a few minutes. I remember a time I was selling an old phone and the buyer sent the money from their FNB account. I was a bit nervous, but the notification from my Capitec app came through almost before they had put their phone down. It was such a relief!

What Can Delay the Transfer?

While these transfers are usually quick, there are a few reasons why you might have to wait a little longer.

• Weekends and Public Holidays: Banks don't process payments on weekends or public holidays. So, if someone sends you money on a Friday afternoon, you might only see it in your account on Monday morning.
• Standard EFT: If the sender chooses a standard EFT (Electronic Funds Transfer) instead of an immediate payment, it can take up to two business days for the money to reflect. I once had a friend promise to pay me back for a weekend trip, and they sent it on a Friday evening using a standard EFT. I spent the whole weekend checking my phone, and the money only showed up on Tuesday!
• Bank System Times: The time of day the transfer is made can also play a role. Payments made after a certain cut-off time (usually in the afternoon) might only be processed the next business day.

If you're ever in a situation where you need the money right away, it’s always a good idea to ask the sender to use the immediate payment option. For more information on bank transfer times, you can also check out our post on how long it takes for a transfer from Capitec to FNB.

Waiting for payments is a part of life, but it doesn't have to be dead time. While you wait, you could be earning points on your phone. With the Points Castle app, you can take surveys and play games to earn points that you can exchange for vouchers for things like airtime or groceries. It's a great way to make your spare time more rewarding.