Ugibe Lwamabhange luka-2025: Kungani Abahlomuli be-SASSA Abahlakaniphile Beshintsha Ngaphambi KukaDisemba

Ingabe izimali ezifihliwe ziyawudla u-R370 wakho? NgoNovemba 2025, kukhona inguquko ethule eyenzekayo njengoba abahlomuli beshiya amabhange endabuko. Nayi iqiniso lezimali amabhange angafuni ulazi nokuthi ungasilisebenzisa kanjani isibonelelo sakho ngokugcwele.

Intela Efihliwe Yokwenza Uphile: Kungani uNovemba 2025 Uwushintsho Olukhulu

SekunguNovemba 26, 2025, njengoba sibheke esikhathini esibizayo samaholide, iqiniso elibuhlungu liqala ukungena ezingqondweni zezigidi zabahlomuli be-SASSA. Ngesikhathi sixoxa ngepolitiki kahulumeni nokuthi isibonelelo se-SRD sizoqhubeka yini, kukhona isilwane esithule esidla le mali encane enikezwa abantu abasengozini eNingizimu Afrika: izimali zasebhange.

Sekuyiminyaka samukela ukuthi ‘ukusebenzisa ibhange kubiza imali.’ Kodwa uma imali yakho ingo-R370 (noma inani elilingana naleli lamanje lesibonelelo), ukukhokha u-R20 kuya ku-R50 wemali yokukhipha, izindleko zenyanga, kanye nezinhlawulo zokungabi ’nemali eyanele’ akusona nje isindleko—kuyintela yokusinda kwakho.

Umbono: Uma usathola isibonelelo sakho usebenzisa i-akhawunti yasebhange lendabuko elinezindleko eziphezulu, noma okubi nakakhulu, insizakalo ‘ye-cash-send’ ekhokhisa ukuqoqwa, uzinikela cishe u-10% wesibonelelo sakho minyaka yonke. Ngo-2025, ngokukhula kwamabhange edijithali nama-akhawunti ezitolo, ukuhlala ebhange elibizayo kuyiphutha ongeke ukwazi ukulenza.

Izibalo Azikhohlisi: Ulahlekelwa Imali Engakanani Ngempela?

Ake sibheke izinombolo zasekupheleni kuka-2025. Ukwenyuka kwamanani okudla sekuthinte yonke into. Wonke urandi ubalulekile. Kodwa-ke, imibiko ikhombisa ukuthi abahlomuli abaningi basebenzisa ama-akhawunti akhokhisayo:

• Izimali Zokukhipha (Withdrawal Fees): R8 - R15 ngomsebenzi owodwa kuma-ATM.
• Izimali Zenyanga (Monthly Fees): R5 - R10 nje ukuze uhlale une-akhawunti evulekile.
• Imibuzo Yebhalansi (Balance Enquiries): R2 - R5 ngokubheka ngakunye.

Uma ukhipha imali yakho ngezingxenye ezimbili futhi ubheke ibhalansi yakho kabili, ungalahlekelwa kalula u-R40 ngenyanga. Lokho kungu-R480 ngonyaka—okungaphezu kwesibonelelo senyanga yonke!

Cabanga uma uhulumeni ememezela ukuthi weqa inyanga eyodwa yokukhokha minyaka yonke. Kungaba nezibhelu. Nokho, ngokukhetha ibhange elingalungile, wenza lokhu kuwe uqobo.

‘Amabhange Amakhulu Amane’ (Big Four) v. Amabhange Edijithali Anqamulayo ngo-2025

Isimo samabhange eNingizimu Afrika sesishintshe kakhulu ngoNovemba 2025. ‘Amabhange Amakhulu Amane’ endabuko, nakuba ethembekile, ngokuvamile anezindleko ezakhelwe abahola amaholo amakhulu, hhayi abahlomuli besibonelelo.

Ukuthatha Isinyathelo Esihlakaniphile Sezimali: Sibona ukuthutheleka okukhulu kwabahlomuli abahlakaniphile abaya ezinkethweni zedijithali ezishibhile.

1. TymeBank: Ayinazimali zenyanga futhi inobambiswano nePick n Pay kanye neBoxer ukuze ukhiphe imali mahhala. Leli lihlala liyikhambi elihamba phambili.
2. Shoprite Money Market Account: Akulona ibhange ngempela, kodwa liyikhono lokwenza imisebenzi elikuvumela ukuthi usebenzise isibonelelo sakho ngqo ekudleni ngaphandle kokukhipha imali, okonga u-100% wemali yokukhipha.
3. Capitec (Global One): Nakuba ingezona mahhala ngokuphelele, ukuvelela kwayo kuqhubeka ngenxa yokutholakala kwayo kalula, nakuba abasebenzisi kufanele baqaphele izindleko zokukhipha imali kuma-ATM.

Ukuhlaziya Kwami: Uma ukhokha imali yenyanga nje ukuze uthole isibonelelo, usuhlobene kabi. Ibhange lakho kufanele likukhokhele inzalo (interest), lingakukhokhisi irenti ngemali yakho.

Kungani i-Cash Send nama-E-Wallets Kungugibe

Abahlomuli abaningi bakhetha izinketho ze-‘Cash Send’ noma ‘E-Wallet’ ukugwema ukuvula ama-akhawunti asebhange. Ngo-2025, lesi yisinqumo esibi kakhulu sezimali ongase usenze mayelana nesibonelelo sakho.

Nazi izizathu:

• Izingozi Zokuphelelwa Isikhathi: Uma ungayiqoqi ngaphakathi kwesikhathi esithile, imali ingase ibuyiselwe noma kube nzima ukuyifuna.
• Ukuphepha: Uma ifoni yakho yebiwe, i-SMS yakho yevawusha ihambile. Ukuyibuyisa kuyiphupho elibi uma kuqhathaniswa nokuvimba ikhadi lasebhange.
• Akukho Mlando Wedijithali: Ukusebenzisa i-akhawunti yasebhange kwakha umlando wesikweletu (ngisho noma mncane) nobufakazi bemali engenayo, okubalulekile uma ufuna ukufinyelela izimalimboleko ezincane noma ama-akhawunti esitolo ngokuzayo.

Isinyathelo Ngesinyathelo: Ungasishintsha Kanjani Isitayela Sakho Sokukhokha Ngaphambi KukaDisemba

Njengoba sekusondela ukukhokha kukaDisemba, ukushintsha imininingwane yakho yasebhange manje (sekuphela uNovemba) kuyingozi kodwa kuyadingeka uma ufuna ukuqala u-2026 ngesimo esingcono.

Isexwayiso: Izinguquko ezenziwe ngemuva kosuku lwa-20 enyangeni zivame ukusebenza enyangeni elandelayo. Uma ushintsha namuhla (ngoNovemba 26), lindela ukuthi ushintsho lubonakale ekukhokhweni kwakho kuka-Januwari 2026. Ukukhokha kwakho kukaDisemba kungenzeka kuqhubeke kungene kwi-akhawunti yakho endala.

Inqubo ka-2025:

1. Vula I-Akhawunti Entsha Kuqala: Ungayivali i-akhawunti yakho endala kuze kube yilapho imali ingena kule entsha.
2. Vakashela I-SRD Portal: Iya ku-srd.sassa.gov.za.
3. Skrolela ku-‘How do I change my banking details’: Faka inombolo yakho kamazisi (ID number).
4. Qinisekisa (Verify): Uzothola isixhumanisi nge-SMS. Chofoza kuso.
5. Khetha ‘Personal Bank Account’: Faka imininingwane yakho entsha ye-akhawunti, ngokuqinile, egameni lakho.
6. Linda Ukuqinisekiswa: I-SASSA iqinisekisa lokhu noMnyango Wezasekhaya kanye nebhange. Lokhu kuthatha izinsuku ezingu-5-7 zokusebenza.

I-Postbank Gold Card: Isafanele Yini?

I-Postbank Gold Card ibe nomlando onezinkinga zobuchwepheshe namaphutha okungasebenzi kohlelo. Nakuba inikeza inzuzo yokukhipha imali mahhala kathathu ezitolo ezithintekayo, izinkinga zokuthembeka esazibona ngo-2023 no-2024 zenze abaningi baqaphela.

Isinqumo: Uma usunalo i-Gold Card esebenzayo engakapheli isikhathi, igcine. Kodwa uma ufaka isicelo sendlela entsha yokukhokha, i-akhawunti yomuntu siqu ebhange elizimele elizinzile (njenge-TymeBank noma i-Capitec) inikeza ukulawula okwengeziwe nensizakalo yekhasimende engcono uma izinto zingahambi kahle. Ungathembeli ohlelweni olunomlando wokuhluleka ngosuku lokukhokha.

Ukulungisa Inkinga: Kungani Isimo Sakho se-‘Bank Details Pending’ Singashintshi

Ukukhungatheka okuvamile ngoNovemba 2025 yilesi simo esiyingozi esithi ‘Imininingwane Yasebhange Ilindile’ (Bank Details Pending). Uma ubambeke lapha, kuvamise ukuba kungenxa yezizathu ezintathu:

1. Igama Elingafani: Igama eliku-akhawunti yakho yasebhange alifani negama eliku-ID yakho ngqo. Uma i-ID yakho ithi ‘James Peter Zulu’ bese i-akhawunti yakho yasebhange ithi ‘J.P. Zulu’, uhlelo oluzenzekelayo lungase lubambe.
2. Inombolo Yeselula Engafani: Inombolo yocingo ebhaliswe ne-SASSA kufanele ifane naleyo exhunywe ne-akhawunti yasebhange ukuze kuqhutshekwe nokuqinisekiswa.
3. Ukuhlola Ukukhwabanisa: Uma i-akhawunti yasebhange isetshenziselwe ezinye izibonelelo ze-SASSA (njengesibonelelo sokusekela ingane somuntu ohlukile), iyabanjwa. Umtgomo ka-2025: I-ID eyodwa, I-Akhawunti Yasebhange Eyodwa.

Isiphetho: Thatha Amandla Akho Emuva

Isibonelelo se-SRD asiyona imali enkulu. Yilokho kanye okwenza ungakwazi ukumosha ngisho nesenti elilodwa kuso ngezimali zasebhange ezingadingekile. Amabhange athembele ekunganakeni kwakho—azuzisa uma ungabheki izitatimende zakho.

Njengoba sibheke kuDisemba, thatha ihora uhlole izimali zakho. Shintshela ku-akhawunti enezindleko eziphansi. Yeka ukukhokha ukuze ufinyelele imali yakho. Lokho ukukhuphuka kwemali okusebenza kahle kakhulu ongazinika kona ngo-2025.

FAQs

Iyiphi ibhange elingcono kakhulu lokukhokha i-SASSA ngo-2025?

Amabhange edijithali afana ne-TymeBank nama-akhawunti ezitolo afana ne-Shoprite Money Market account avame ukubhekwa njengamahle kakhulu ngoba awanazimali zenyanga futhi anikeza ukukhipha mahhala ezitolo ezihambisanayo.

Kuthatha isikhathi esingakanani ukuthi i-SASSA iqinisekise imininingwane emisha yasebhange?

Ngo-2025, inqubo yokuqinisekisa ivamise ukuthatha izinsuku ezingu-5 kuya kwezingu-7 zokusebenza. I-SASSA idinga ukuhlola idatha yakho ngokumelene neya-Home Affairs namarekhodi asebhange. Kodwa-ke, isibuyekezo kuphothali singase sibonakale kuphela kumjikelezo olandelayo wokukhokha.

Ngingayisebenzisa i-akhawunti yomunye umuntu yesibonelelo sami se-SASSA?

Cha. I-SASSA iphoqelela ngokuqinile inqubomgomo lapho i-akhawunti yasebhange kufanele ibhaliswe egameni lomhlomuli. Ukusebenzisa i-akhawunti yomunye umuntu kuzoholela ekwehlulekeni kokuqinisekiswa futhi ngeke kube khona ukukhokha.

Kwenzekani uma ngishintsha imininingwane yami yasebhange namuhla (26 Novemba)?

Uma ushintsha imininingwane yakho sekuyisikhathi eside enyangeni (ngemuva kosuku lwa-20), ukukhokha kwakho okuzayo (Disemba) kusazongena kwi-akhawunti yakho endala. Imininingwane emisha ivamise ukusebenza kumjikelezo wokukhokha kaJanuwari.

Kungani isimo sami se-SASSA sivunyelwe kodwa kungekho usuku lokukhokha?

Lokhu kuvame ukwenzeka lapho kunesinkinga ngemininingwane yakho yasebhange (isib. i-akhawunti ayisebenzi, noma umkhawulo ufinyelelwe) noma uma i-SASSA ilinde ukuthi imali ingene isuka eMgcinimafa. Qinisekisa ukuthi i-akhawunti yakho yasebhange iyasebenza futhi iqinisekisiwe.