Lefika Savings Account

A flexible savings account.

A  savings culture can be a lifestyle with First Capital Bank. Save at ease with no monthly, service and penalty fees to get the most out of your savings.

Lefika is an affordable,competitive pure savings account designed to cultivate the culture of consistent savings for the customer. The account offers customers the opportunity to save at zero- cost on a recurring basis and access funds only  in times of need.

Product Specifications

  • Open and operate the account with a minimum amount of P100
  • Access up to 50% of your savings in times of need at no cost
  • Enjoy free deposits, withdrawals and transactional alerts
  • Save regularly through a standing instruction or an external debit order
  • No access to a debit card to allow your savings to grow
  • Receive interest on monthly basis

Saving has never been this easy. Top up your savings account effortlessly using Orange Money

Dial *145# and follow prompts to transfer funds from your wallet


  • Save at zero cost; no monthly fees, service and penalty fees
  • Enjoy a competitive interest rate
  • Enjoy free funeral cover of P5,000 for saving regularly through a standing order/external debit order

Account opening requirements

  • Valid ID/ Passport
  • Physical address confirmation e.g. police affidavit or letter from employer or water bill/lease agreement
  • Proof of income such as a payslip or police affidavit

Mobile Banking

The  Mobile App hosts multiple features that allow you to do everyday banking easily and securely from your comfort.

  • Buy airtime for yourself or anyone else
  • Pay your bills from wherever you are (electricity, water, DStv )
  • Do bank to wallet transactions for Orange Money
  • Check your account balances
  • View you transaction history
  • Transfer funds between your accounts and to other banks
  • View, download or share proof of payment including paying bills on the app
  • Manage your debit card (change PIN, card status)

How to register a new user

  • Download the app from google play or apple store
  • Select Individual
  • Select Sign Up & Enter your Account Number
  • To proceed, select Debit Card or Mobile Number
  • Confirm your details
  • Enter authentication code sent to your phone & verify your details
  • Enter and confirm your password
  • Sign up successful. Select done, Login & enter password
  • You can now access the mobile app services

Fill in your details below and a First Capital Bank representative will contact you with further details.