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How to get a Smart ID at your bank in South Africa

More than 250 bank branches now issue Smart IDs, and some let you walk in without booking. Here is what it costs and what to bring.

Ezra Labuschagne by Ezra Labuschagne
25 August 2026, 09:21
in News
Smart ID South Africa: Apply at Your Bank in 2026

You no longer have to queue at Home Affairs to get a Smart ID card. Smart ID applications are now processed at 285 bank branches across all nine provinces, and at selected Capitec and Standard Bank branches you can walk in without a booking and be done in about five minutes.

A Smart ID costs R140 for most applicants and is free if it is your first ID. Processing takes 10 to 14 working days.

Here is exactly how it works, and the full branch list by province.

Which banks offer Smart ID applications

Seven banks now take part in the Home Affairs digital partnership programme: Capitec, Standard Bank, FNB, Absa, Nedbank, Discovery Bank and Investec.

Capitec has by far the largest footprint, with branches in every province. Standard Bank is second. FNB, Absa, Nedbank, Discovery Bank and Investec run much smaller networks concentrated in the metros.

Home Affairs is targeting 750 participating branches by the end of 2026, so this network keeps growing. TymeBank is not part of the programme yet and plans to join a later phase, when Smart ID applications become available through banking apps.

One thing to check before you travel: some banks limit the service to their own clients. FNB is one of them. Others have opened it more widely. Use a branch of the bank you already bank with if you want to avoid the issue entirely.

The two ways to apply

Walk in, no booking. Available at selected Capitec and Standard Bank branches. You arrive during normal trading hours, authenticate with your fingerprints and a facial scan, confirm your details on a screen, and pay on the terminal. Capitec says the whole thing takes about five minutes. Your application goes straight to Home Affairs. You never touch eHomeAffairs.

Book on eHomeAffairs first. This is how FNB, Absa, Nedbank, Discovery and Investec branches work. You complete and pay for the application online, choose a branch, book a slot, then go in for the biometric capture only.

Both routes produce the same card from the same printer in Pretoria. The difference is how long you stand around, not what you get.

Every bank branch that offers Smart ID applications, by province

All 285 branches are listed below, sorted alphabetically within each province.

Gauteng (87 branches)

BranchBank
Absa Towers (Johannesburg CBD)Absa
Alberton PromenadeCapitec
Alexandra PlazaCapitec
Alexandra YaronaCapitec
Arcadia (Pretoria)Nedbank
Bedfordview Bedford CentreCapitec
Boksburg East PointCapitec
Boksburg East Rand MallCapitec
Brakpan VoortrekkerCapitec
Carletonville MallCapitec
Centurion LifestyleStandard Bank
Centurion Lifestyle CentreFNB
Centurion Lifestyle CentreAbsa
Centurion Mall 116BCapitec
Constantia Kloof / Lakeview Office Park (Roodepoort)Nedbank
Cosmo City Mall 150Capitec
Daveyton Sesfikile SquareCapitec
Eldorado ParkCapitec
Evaton Mall 37bCapitec
Florida Goldman CrossingCapitec
Fourways CrossingCapitec
Germiston SouthernCapitec
Glen Shopping CentreFNB
Greenstone MallAbsa
Hammanskraal Jubilee CrossingCapitec
Head Office (1 Discovery PlaceDiscovery Bank
Heidelberg MallCapitec
Johannesburg BraamfonteinCapitec
Johannesburg FoxCapitec
Johannesburg Mall of RosebankCapitec
Johannesburg Mall of the SouthCapitec
Johannesburg The GlenCapitec
Jubilee Mall (Hammanskraal)Standard Bank
Katlehong LetsohoCapitec
Kempton Park Cavendish GlenCapitec
Key West (Krugersdorp)Absa
Killarney MallCapitec
Killarney MallStandard Bank
Krugersdorp President SquareFNB
Lenasia SquareCapitec
Lenasia Trade Route MallCapitec
Lynnwood (Grove Shopping Mall/Equestria)FNB
Mamelodi SquareCapitec
Maponya Mall (Soweto)Standard Bank
4 Merchant Place (Sandton)FNB
NigelCapitec
NigelStandard Bank
Orange Farm Eyethu MallCapitec
Pretoria BougainvilleCapitec
Pretoria HatfieldCapitec
Pretoria Middestad MallCapitec
Pretoria Silver LakesCapitec
Pretoria Wonderboom JunctionCapitec
Randburg Ferndale MallCapitec
River SquareStandard Bank
Rivonia / Sandown (Sandton)Nedbank
Roodepoort Village at HorizonCapitec
RosebankStandard Bank
Rosebank (Cradock Ave)Absa
Sandown (100 Grayston DrInvestec
Sandton CityCapitec
Sandton CityAbsa
Sandton)Discovery Bank
Sandton)Investec
SanridgeStandard Bank
Silverton Silverwater CrossingCapitec
5 Simmonds Street (Johannesburg CBD)Standard Bank
Sky CityStandard Bank
Soshanguve MallCapitec
Soshanguve MallStandard Bank
Soweto Bara MallCapitec
Soweto DobsonvilleCapitec
Soweto EyethuCapitec
Soweto Maponya MallCapitec
Springs AvenuesCapitec
Springs MallCapitec
Tembisa Birch AcresCapitec
Tembisa PlazaCapitec
The GlenStandard Bank
The Mall @ RedsStandard Bank
Tshwane Mid CityStandard Bank
Vanderbijlpark VaalgateCapitec
Vereeniging Bedworth ParkCapitec
Vereeniging River WalkCapitec
Vereeniging VoortrekkerCapitec
Westgate Mall (Roodepoort)Standard Bank
WonderparkStandard Bank

Western Cape (51 branches)

BranchBank
Atlantis City MallCapitec
Bredasdorp The PavillionCapitec
Caledon PioneerCapitec
Canal WalkCapitec
Canal Walk (Century City)Standard Bank
Cape Gate CentreCapitec
Cape Gate CentreAbsa
Cape Town AdderleyCapitec
Cape Town ParliamentCapitec
Cape Town V&A WaterfrontCapitec
Ceres VoortrekkerCapitec
Ceres VosCapitec
CitrusdalCapitec
Claremont (Cavendish Square)Absa
DurbanvilleCapitec
George Boulevard CentreCapitec
Goodwood MallCapitec
Greenpoint (Media Quarter)FNB
Gugulethu SquareCapitec
Hermanus Whale Coast MallCapitec
Khayelitsha Site C PlazaCapitec
Kraaifontein Bloch CentreCapitec
Mitchell's Plain PromenadeStandard Bank
Mitchells Plain PromenadeCapitec
Mitchells Plain WatergateCapitec
Montague GardensCapitec
Mossel Bay LangebergCapitec
Nonqubela LinkStandard Bank
PaarlStandard Bank
Paarl Main RoadCapitec
Parow CentreCapitec
Parow CentreStandard Bank
Philippi the JunctionCapitec
PiketbergCapitec
PinelandsStandard Bank
Portside (Cape Town CBD)FNB
RondeboschCapitec
Somerset MallCapitec
St Georges Mall (Cape Town CBD)Nedbank
Stellenbosch (Oude Bloemhof Building)Absa
Stellenbosch EikestadCapitec
StrandCapitec
SwellendamCapitec
Table View Table Bay MallCapitec
Thibault SquareStandard Bank
Tokai CentreCapitec
Tyger Valley CentreCapitec
VredenburgStandard Bank
Vredenburg Weskus MallCapitec
WorcesterStandard Bank
Worcester Mountain Mill CentreCapitec

KwaZulu-Natal (34 branches)

BranchBank
Amanzimtoti Seadoone MallCapitec
Ballito JunctionCapitec
Ballito LifestyleCapitec
Bergville MallCapitec
Cornubia Boulevard (Durban)FNB
DundeeCapitec
Durban Anton LembedeCapitec
Durban Bluff CentreCapitec
Durban City View CentreCapitec
Durban MontclairCapitec
Durban NorthNedbank
Durban OverportCapitec
Durban PavilionCapitec
Durban Southway MallCapitec
Emondlo MallCapitec
Hillcrest CornerCapitec
Kingsmead (Durban)Standard Bank
MatatieleStandard Bank
MidlandsStandard Bank
Newcastle MallStandard Bank
NongomaStandard Bank
Overport CityStandard Bank
Pinetown CBDAbsa
PongolaStandard Bank
RaisethorpeStandard Bank
Richards BayStandard Bank
ScottburghStandard Bank
South Coast MallStandard Bank
UmhlatuzeStandard Bank
Umlazi Mega CityStandard Bank
UnderbergStandard Bank
VryheidStandard Bank
Westown Square (Pinetown)Standard Bank
WestvilleStandard Bank

Eastern Cape (37 branches)

BranchBank
AliceCapitec
Cofimvaba MainCapitec
ColesbergCapitec
CradockCapitec
East London Beacon BayCapitec
East London HemingwaysCapitec
East London SouthernwoodCapitec
ElliotdaleCapitec
Engcobo HighCapitec
Fort BeaufortCapitec
Gqeberha)Standard Bank
Greenacres (Gqeberha)Absa
Idutywa MainCapitec
Jeffreys Bay Fountains MallCapitec
King Williams Town Stone TowersCapitec
Lady FrereCapitec
Lusikisiki PlazaCapitec
Middelburg CapeCapitec
Mount AyliffCapitec
Mthata PlazaCapitec
Mthatha (York Rd)Absa
Mthatha MallCapitec
Mthatha York City CentreCapitec
NgqamakhweCapitec
1 Pickering Street (Newton ParkStandard Bank
Port AlfredCapitec
Port Elizabeth GreenacresCapitec
Port Elizabeth Newton ParkCapitec
Port St JohnsCapitec
Queenstown CalderwoodCapitec
Queenstown RobinsonCapitec
Sterkspruit Parkies PlazaCapitec
StutterheimCapitec
UgieStandard Bank
Uitenhage (Kariega)Absa
Uitenhage Corkwood SquareCapitec
Vincent Park (East London)Absa

Free State (5 branches)

BranchBank
Kroonstad (President St)Absa
PhuthaditjhabaStandard Bank
TheunissenStandard Bank
WinburgStandard Bank
ZamdelaStandard Bank

Limpopo (25 branches)

BranchBank
Bela Bela MallCapitec
Dennilton Moutse MallCapitec
Elim Hubyeni MallCapitec
Giyani Masingita CentreCapitec
Magnet HeightsCapitec
Makhado KroghCapitec
Mall of the North (Polokwane)Absa
Mankweng Paledi MallCapitec
MatoksCapitec
Metz MahlakungCapitec
ModimolleStandard Bank
ModjadjiskloofCapitec
MokopaneStandard Bank
Mokopane MahwelerengCapitec
Mokopane Thabo MbekiCapitec
MusinaStandard Bank
Mutale TshilambaCapitec
Nkuzana Nkuna KraalCapitec
Polokwane BiccardCapitec
Polokwane City CentreCapitec
Polokwane the GreeneryCapitec
Siloam Mphephu PlazaCapitec
ThohoyandouStandard Bank
Thohoyandou ThavhaniCapitec
TzaneenStandard Bank

Mpumalanga (26 branches)

BranchBank
Acornhoek MallCapitec
Barberton Stimela CrossingCapitec
Bronkhorstspruit ChurchCapitec
BurgersfortFNB
Burgersfort MoroneCapitec
CarolinaCapitec
EmoyeniCapitec
Ermelo ChurchCapitec
Hazyview JunctionCapitec
HendrinaCapitec
KomatipoortCapitec
KrielCapitec
MiddelburgStandard Bank
Nelspruit BrownCapitec
Nelspruit CentreNedbank
Nelspruit CrossingStandard Bank
Nelspruit Crossing CentreCapitec
Nelspruit Crossing CentreAbsa
Nelspruit HenshallCapitec
Nelspruit Valley HyperCapitec
Piet Retief Mall at MfulaCapitec
SecundaStandard Bank
Secunda WattersonCapitec
Siyabuswa Mall at MoutsiyaCapitec
White River SquareCapitec
Witbank Saveways CentreCapitec

North West (12 branches)

BranchBank
BapongCapitec
Brits Safari CentreCapitec
Klerksdorp Matlosana MallCapitec
Mafikeng MallCapitec
Northam PlazaCapitec
Potchefstroom Mooirivier MallCapitec
Rustenburg MallStandard Bank
Rustenburg Platinum SquareCapitec
VryburgStandard Bank
Vryburg Mompati MallCapitec
Westonaria ForbesCapitec
ZeerustStandard Bank

Northern Cape (8 branches)

BranchBank
Barkley WestCapitec
City Centre KimberleyAbsa
Kathu Village MallCapitec
Kimberley Barkley RoadCapitec
Kimberley Diamond PavilionCapitec
Kuruman Segonyana MallCapitec
UpingtonStandard Bank
Upington Kalahari MallCapitec

Coverage is thinnest in the Free State and the Northern Cape. If you are outside a metro in those provinces, check availability before travelling rather than assuming your nearest branch takes applications.

Branch lists change every few weeks as the rollout expands. Confirm on the bank’s own website or in its app under Home Affairs or Government Services before you travel.

What documents you need

First-time application:

  • Your birth certificate
  • Proof of address
  • If you are under 18, a parent or legal guardian must attend with you and bring their ID

Upgrading from a green ID book, or replacing a lost card:

  • Your green barcoded ID book, or your existing Smart ID
  • Proof of address
  • If the card was lost or stolen, a SAPS affidavit and case number

Bring originals, not photocopies. People get turned away for this every day.

You do not need to bring photographs. The branch captures your photo, fingerprints and signature on the spot.

How much a Smart ID costs

The fee is set by Home Affairs and is the same at a bank branch as at a Home Affairs office. Banks do not add a service charge, although Capitec has been reported to add a small logistics fee at some branches.

ApplicationCost
First ID, never held a green book or Smart ID beforeFree
All other applications, including upgrading from a green ID bookR140
Temporary Identity Certificate while you waitR70
Replacement for a lost, stolen or damaged cardR140

The free application applies to the fact that it is your first ID, not to your age. Most people who qualify are 16-year-olds applying for the first time.

If Home Affairs made an error on your card, the replacement is free. If you made the error, it is R140.

How to book on eHomeAffairs

  1. Go to ehome.dha.gov.za and click Register. Be careful with the address, there are scam sites. It must end in .gov.za.
  2. Enter your ID number, name, date of birth, email and cellphone number. You will get an OTP, so use a phone you have on you.
  3. Log in and select Smart ID Card.
  4. Choose first issue if you are applying for the first time or upgrading from a green book. Choose re-issue if yours was lost, damaged or stolen.
  5. Complete the form and upload your supporting documents.
  6. Pay by card or EFT.
  7. Choose a participating branch and book your date and time.

Save the booking reference. You need it on the day.

If you are going to a walk-in Capitec or Standard Bank branch, skip all of this.

How long it takes

Standard processing is 10 to 14 working days from your biometric appointment. You get an SMS when the card is ready.

Collect in person at the same branch where you applied. Bring the SMS and your green ID book or temporary ID.

There is no expedited option. If you have heard nothing after 20 working days, contact the Home Affairs call centre with your application reference.

Why applications get rejected

The three common reasons:

  • Your details do not match the National Population Register
  • Biometric capture failed
  • You already have an application in progress

The R140 is not refunded if your application is rejected, so check that your details are correct before you pay.

Can you still use your green ID book?

Yes. The green barcoded ID book is still a legal identity document and no cut-off date has been set. Home Affairs has stopped issuing new ones, so every new application now produces a Smart ID card.

Around 16 million South Africans still hold green ID books. Government has said a deadline will be announced once enough people have switched.

Read our full guide to the green ID book phase-out and what happens next

When you collect your card

Check your name, date of birth, ID number, gender and photograph before you leave the counter. Errors are far easier to fix on the spot than afterwards.

Then take the card to every bank where you hold an account and update your FICA details. Full fee schedules and application requirements are published by the Department of Home Affairs.

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Source: Department of Home Affairs
Tags: bankingCapitecFNBHome AffairsSmart IDSouth Africa
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Ezra Labuschagne

Ezra Labuschagne

Ezra Labuschagne is the founder, editor, and publisher of Southafriworld, an independent South African digital news publication. Based in Pretoria, South Africa, he leads the publication’s editorial direction, publishing standards, content review, and audience strategy. His work focuses on current affairs, public interest reporting, business, the economy, public policy, and major developments that affect daily life in South Africa. As founder and editor, he is responsible for final editorial oversight, including source review, accuracy, updates, corrections, and publishing standards across Southafriworld.

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