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Welcome to the Cap App – Your convenient mobile banking solution

The Cap App is The Capricornian’s Mobile Banking App, designed to bring convenience and security to your fingertips.

Managing your banking on the go, anytime and anywhere, has never been easier. With the Cap App, you can stay in control of your finances effortlessly.

Effortless banking on the go

Check balances, view latest transactions, transfer funds, and pay bills via BPAY. Experience the freedom of banking from your phone without hassle.

Seamless money management made simple

Set your savings goals and track your progress with ease. Our app also provides access to handy financial calculators, empowering you to make informed decisions about your money.

Secure access, peace of mind

Your information is safeguarded. With the Cap App, you can enjoy quick and secure access using a 6 digit PIN, face recognition, or device biometrics.

  • Quick and secure access using a 6 digit PIN or device biometrics.
  • Change your card PIN conveniently within the app.
  • Set a quick balance for your favourite account and access it from the home screen.
  • Track your savings goals effortlessly and monitor your progress.
  • Stay informed with up-to-date account balances and recent transactions.
  • Transfer funds seamlessly between your own accounts and external accounts.
  • Pay bills easily and securely through BPAY®
  • Access your address book and add new payees conveniently.
  • Find the nearest Capricornian ATM and branch locations whenever you need them.
  • Stay updated with our latest promotions and offers.
  • Explore loan product information and submit your application on the go.
  • Utilise financial calculators to make informed decisions about your money.

Take control of your banking experience with the Cap App, where managing your finances becomes effortless, secure, and convenient.

Download the app today and start enjoying the benefits of mobile banking!

If you’re registered for Online Banking and/or have the Cap App, you can use this service. 

Download the Cap App for free, and then changing your pin is easy:

  • Login to the Cap App. Go to Cards accessible from the ☰ menu.
  • Find the card you wish to change the PIN for, select change PIN, enter “New PIN”, confirm “New PIN” (4 digits only), select update.  
  • You need to confirm an SMS One Time Password to complete PIN change.
  • Your PIN will be updated immediately. 

This app is available for The Capricornian customers only.

Mobile data downloading or internet usage charges may apply, check with your internet service providers or your mobile phone service provider.

Whilst we endeavour to, the app is not compatible with all devices and operating systems.

We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.


Phonefast is The Capricornian’s telephone banking service that can be accessed simply by calling 1300 654 654 and using your unique access code.

Phonefast allows you to:

  • Gain secure direct access to transfer funds
  • Check account balances
  • Listen to recent transactions and interest amounts
  • Balance on Loan and Investment accounts
  • Order statements
  • Access BPAY®
  • Redraw excess repayments from your loan accounts
  • Confirm if a personal cheque is presented
  • Make Loan & Insurance enquiries
  • Leave an after-hours message


Ready, set, pay! Mobile payments are available.

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