[3][4] The bank maintains 850 retail branches nationwide,[5] 3418 own or partnership ATMs and has over 6.2 million customers, according to the 2015 Chief Financial Officer's Report.

[12] As of February 2017 "the majority, more than 5.5 million, of Capitec clients pay[ed] less than R50 per month in bank costs.

They also provide business banking for close corporations, companies, partnerships or trusts.

It claims to focus on simplifying the banking experience, according to their literature.

Capitec's business model is focused on providing a value to its customer(s) by providing low costs, giving customers the freedom to pay as they transact, and by offering the highest interest rate on deposits.