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A transfer from FNB to Capitec Bank depends on whether its an immediate transfer or if its a normal EFT. The transfer times depends on whether its a transfer times from Saturdays, Sundays, Monday, Tuesdays, Wednesdays, Thursdays and Friday when you make transfer from FNB to Capitec.
The transfer can take up to 48 hours before the money reflects in your Capitec bank account. In extreme cases, the money may take up to three days to reflect in your account after being transferred by eft from FNB.
FNB Pay & Clear Now payments may take up to 60 minutes to clear.