Izingibe ZaseSASSA Ezifihlekile Zango-2026: Kungani Isibonelelo Sakho Sincipha Nokuthi Ungakuvimba Kanjani Lokho

NgoJanuwari 2026, izinkulungwane zabahlomuli beSASSA zilahlekelwa yimali ngenxa yezimali ezifihlekile zasebhange, ukudonswa kwemali okungagunyaziwe kwekhava yomngcwabo, nemali mboleko ehlukumezayo. Lolu phenyo luveza izingibe zemali ezivamile ezihlasele abamukeli bezibonelelo futhi lunikeza umhlahlandlela ocacile wokuthi ushintshele kanjani ku-akhawunti yasebhange ebiza kancane, uvikele izimali zakho, futhi umise ukudonswa kwemali okungekho emthethweni unomphela.

Iqiniso Elishaqisayo: Kungani Isibonelelo Sakho SeSASSA Siba Sincane Ngo-2026

Ngilapho usulinde khona, kuyafika isaziso sokukhokhelwa kweSASSA. Kodwa uma uhlola imali yakho, inhliziyo yakho iyadilika. Isamba semali sincane kunalokho obukulindele. U-R12 ishiyile lapha, u-R99 ishiyile laphaya, kanye nemali yokukhipha obungayifakanga kubhajethi. NgoJanuwari 2026, lena yiqiniso elibuhlungu lezigidi zabantu baseNingizimu Afrika abathembele ezibonelelweni zomphakathi. Akuyona nje intengo ekhuphukile; isibonelelo sakho sidliwa yisitimu sezimali ezifihlekile, imikhiqizo edidayo, nezenzo ezidlayo. Lokhu akuyona nje umhlahlandlela; kungukungenelela. Sizokwembula izingibe zemali eziklanyelwe ukukugcina umpofu futhi sikukhombise indlela yokubamba kabusha intambo. Uhulumeni unikeza isibonelelo njengosizo, kodwa kukuwe ukuthi usivikele. Ake siqale ngokubheka ikhadi elisepotimendeni lakho.

Inkinga #1: Ikhadi Legolide LeSASSA (Gold Card) – Ingabe Lingumngani Noma Liyisitha?

Sekuyiminyaka, iKhadi Legolide leSASSA, elikhishwa yiPostbank, liyilona elijwayelekile. Nakuba lenze umsebenzi walo, ngo-2026 seliyinkinga kwezemali kwabaningi. Uhulumeni ngokwakhe uyabagqugquzela abahlomuli ukuba bashintshele kuma-akhawunti amabhange azimele, futhi kunesizathu esizwakalayo.

Izindleko Ezifihlekile Zekhadi Legolide:

Ukukhipha Imali Okumbalwa Kwamahhala: Ngokuvamile uthola ukukhipha okukodwa kwamahhala ePosini. Ngemuva kwalokho, izindleko ziqala ukugcwala, ikakhulukazi kuma-ATM amanye amabhange.
Izinkinga Zenethiwekhi: Ama-queue asePosini adume ngokuba made, futhi ukuphazamiseka kwesistimu kungasho ukuthi ugoduka ungenalutho ngemuva kwamahora amaningi ulindile.
Ukuba Sengozini Yokudonselwa Imali: Isistimu ibilokhu ihlaselwa izinkampani ezithola ukudonswa kwemali (debit orders) okuzenzakalelayo, ngezinye izikhathi ngaphandle kwemvume ecacile. Nakuba imithetho iqiniswe, ubungozi busese yinkinga kwabaningi.

Nakuba ikhadi lijwayelekile, ukujwayela kuyakubiza imali. Ikusasa lokukhokhelwa kwezibonelelo lise-akhawuntini yasebhange yangasese oyilawula ngokuphelele. Ukuze uthole [Izinsuku Zokukhokha] zakamuva, hlola njalo ikhasi lethu elikhethekile ukuze uhlele ukukhipha kwakho imali ngokuhlakanipha.

Inkinga #2: Ikhava Yomngcwabo Ka-R12 Nokunye Ukudonswa ‘Okuncane’

Ukudonswa kuka-R12 noma u-R30 kwekhava yomngcwabo kungase kubonakale kuncane. Abathengisi bavame ukukwenza kube yisinqumo esifanele. Kodwa ake senze izibalo. U-R12 ngenyanga u-R144 ngonyaka. Eminyakeni emihlanu, lokho kungu-R720. Ngaleyo mali, ingabe uthola ikhava evikela umndeni wakho ngempela, noma ingabe ipholisi lenani eliphansi elinezinto eziningi ezikhishiwe (exclusions)?

Ingibe:

Izinkokhelo Eziphansi: Amapholisi amaningi ashibhile anikela ngezinkokhelo ezincane kakhulu (isib. R5,000 – R10,000) kangangokuthi azikwazi ukukhokhela umngcwabo ojwayelekile ngo-2026.
Amasu Okuthengisa Ahlukumezayo: Abahlomuli bavame ukubhaliswa ngaphandle kokuqonda ngokugcwele imigomo nemibandela.
Kunzima Ukukhansela: Ukumisa lokhu kudonswa kwemali kungaba yiphupho elibi, okuhlanganisa izingcingo ezingapheli namaphepha.

Ukuhlaziya Kwethu: Nakuba ikhava yomngcwabo ibalulekile, le mikhiqizo eqondiswe kubamukeli bezibonelelo ngokuvamile inikeza inani eliphansi. Kungcono ukufaka lowo R12 ku-akhawunti yokonga noma ufune ipholisi elithembeke kakhulu kumshwalense omkhulu, lapho imali yakho ikuthengela ikhava ebanzi kakhulu.

Inkinga #3: I-EasyPay Everywhere (‘Ikhadi Eliluhlaza’) Nabaqambimboleko Abadlayo

Ukwanda kwabahlinzeki bokukhokha beqembu lesithathu njenge-EasyPay Everywhere (‘ikhadi eliluhlaza’) kuye kwaba umthombo wempikiswano enkulu. Nakuba banikela ngemali mboleko namanye amasevisi, basolwa ngokudonswa kwemali okungagunyaziwe kwakho konke kusukela ku-airtime kuya kugesi, okushiya abahlomuli bengenalutho ngosuku lokukhokha.

Izimpawu Zokuxwayisa Okufanele Uzibheke Ngo-2026:

Ingcindezi yokuthatha imali mboleko: Ukutshelwa ukuthi ‘ufanelekele’ imali mboleko ngokushesha nje lapho isibonelelo sakho sitholakala.
Amasevisi Ahlanganisiwe (Bundled services): Ukubhalisela into eyodwa futhi uvumele ukudonswa kwemali okuzenzakalelayo okuningi ungazi.
Amazinga Enyukile Enzalo: Imali mboleko ekugibela esigabeni sesikweletu, lapho ingxenye enkulu yesibonelelo sakho esilandelayo isetshenziselwa ukukhokhela imali mboleko edlule.

Laba baqambimboleko badla labo abaphelelwe yithemba. Bazibeka eduze kwezindawo zokukhokha futhi basebenzise ulimi oluqandisayo. Isibonelelo sakho seSASSA kufanele sibe esokusinda, hhayi esokucebisa izinkampani eziqambe ubuqaba. Uma isibonelelo sakho sanqatshwa ngokungafanele futhi ucabanga ngemali mboleko, qala uzame ngendlela esemthethweni. [Umhlahlandlela Wethu Wokudlulisa Isinqumo] ungakusiza ukulwa nesinqumo.

Isixazululo: Umhlahlandlela Wakho Wase-2026 Wokusebenzisa Amabhange Abiza Kancane

Ukubamba intambo kuqala ngokukhetha ithuluzi elifanele. I-akhawunti yasebhange yesimanje, ebiza kancane iyisihlangu sakho esingcono kakhulu. Naba abahamba phambili kubahlomuli beSASSA ngo-2026, abaklanyelwe ukukongela imali.

1. I-Capitec Bank:

Imali Yenyanga: Iphansi kakhulu (cishe u-R5).
Kungani Ilunge Kakhulu: Ukutholakala okubanzi kwama-ATM, uhlelo lokusebenza olusebenziseka kalula, kanye nekhono lokuthola ukheshi ezindaweni zokukhokha (njenge-Pick n Pay, i-Shoprite) ngemali ephansi kakhulu. Izinketho zabo zokonga nazo zinhle kakhulu.

2. I-TymeBank:

Imali Yenyanga: Iqanda (Zero).
Kungani Ilunge Kakhulu: Akukho mali yenyanga kuyinto enkulu. Ungavula i-akhawunti ngemizuzu e-kiosk e-Pick n Pay noma e-Boxer. Ungafaka futhi ukhiphe imali kulezi zitolo, okwenza kufinyeleleke kakhulu.

3. I-FNB Easy Zero Account:

Imali Yenyanga: Iqanda (Zero).
Kungani Ilunge Kakhulu: Kuyibhange elikhulu, le-akhawunti alinayo imali yenyanga. Uthola ukusebenzisa ikhadi mahhala futhi ungasebenzisa inethiwekhi enkulu yama-ATM e-FNB. Eminye imisebenzi inezindleko, ngakho udinga ukuqonda isakhiwo semali, kodwa ukwamukela isibonelelo okuyisisekelo, iyisinqumo esiqinile.

Isinqumo Sethu: Kubahlomuli abaningi beSASSA, I-TymeBank noma i-FNB Easy Zero account yizona ezonga kakhulu ngenxa yezimali zabo zenyanga eziyize. ICapitec isondele kakhulu ngohlelo lwayo lokusebenza olunamandla nezindleko eziphansi zokusebenza. Noma yikuphi kulokhu okuthathu kungukwenza ngcono okukhulu ohlelweni oludala.

Isinyathelo Ngesinyathelo: Ukushintsha Ukukhokhelwa KweSASSA Ku-Akhawunti Yakho Entsha Yasebhange

Ingabe usukulungele ukwenza ushintsho? Kulula kunalokho ocabanga. Akudingeki uye ehhovisi leSASSA. Ungakwenza ku-inthanethi.

Vula I-Akhawunti Yakho Entsha: Okokuqala, yiya e-Capitec, e-TymeBank, noma e-FNB bese uvula enye yama-akhawunti abiza kancane ashiwo ngenhla. Thola isitatimende sakho sasebhange esisemthethweni, esinophawu, noma ubufakazi be-akhawunti.
Vakashela Iwebhusayithi YeSASSA: Yiya kuwebhusayithi esemthethweni yeSASSA SRD (srd.sassa.gov.za).
Thola Isigaba Semininingwane Yasebhange: Bheka inketho yokushintsha noma yokufaka imininingwane yakho yasebhange. Uzodinga inombolo yakho kamazisi.
Landela Izinyathelo: Isistimu izothumela i-SMS enenombolo yokuvikela (secure link) efoni yakho ebhalisiwe. Chofoza kuyo.
Faka Imininingwane Yakho Entsha Yasebhange: Faka ngokucophelela igama lebhange lakho elisha, inombolo ye-akhawunti, nekhodi yegatsha. Hlola kabili konke ukuze uqinisekise ukunemba.
Faka bese Linda: Faka imininingwane. I-SASSA izobe isiqinisekisa i-akhawunti yakho entsha. Lokhu kungathatha izinsuku ezimbalwa. Ushintsho luzosebenza kusukela kumjikelezo olandelayo wokukhokha.

Isihlangu Sakho Semali: Indlela Yokubika Nokuvimba Ukudonswa Okungekho Emthethweni

Uma ubona ukudonswa kwemali ongakwazi, kufanele uthathe isinyathelo ngokushesha. Unamalungelo, futhi kunezindlela ezisemthethweni zokulwa.

Isinyathelo 1: Xhumana Nebhange Lakho: Shayela umnyango wokukhwabanisa webhange lakho ngokushesha. Uyalela ukuba bahlehlise ukudonswa kwemali (debit order) (uma kungakapheli izinsuku ezingama-40) futhi bavimbe inkampani ukuthi ingadonsi kuwe esikhathini esizayo.
Isinyathelo 2: Gcwalisa Ifomu Lokufunga LeSASSA (Affidavit): I-SASSA inefomu elithile lokubika ukudonswa kwemali okungagunyaziwe. Ungalithola leli ehhovisi leSASSA. Ligcwalise bese ulihambisa. Lokhu kubhalisa ngokusemthethweni isikhalazo sakho.
Isinyathelo 3: Faka Isikhalazo KuMlawuli: Uma kuyinkinga ehlobene nemali mboleko, bika kuMlawuli Wezikweletu Kazwelonke (National Credit Regulator - NCR). Uma kuyipholisi lomshuwalense, bika kuMlawuli Wokuziphatha Emkhakheni Wezezimali (Financial Sector Conduct Authority - FSCA).

Ungalokothi unikeze i-PIN yakho noma imininingwane yakho yangasese kunoma ubani. Akekho ovela kuSASSA noma ebhange ozoke akucele i-PIN yakho.

Okungaphezu Kokubambelela: Ukwenza Isibonelelo Sakho Sikusebenzele

Ukuvikela isibonelelo sakho kuyisinyathelo sokuqala. Okulandelayo ukusenza sikhule. Ukonga ngisho u-R20 noma u-R50 ngenyanga esibonelelweni sakho kungenza umehluko omkhulu ngokuhamba kwesikhathi. Sebenzisa uhlelo lwakho lokusebenza lwasebhange olusha ukuvula ‘isikhwama sokonga’ (savings pocket). Beka umgomo omncane, ofinyelelekayo. Lesi senzo esilula siyisinyathelo sokuqala ukusuka ekuthembeleni uye enkululekweni yezimali. Sakha isivikelo sezimo eziphuthumayo ukuze ungabi sethubeni lokuyengwa yimali mboleko eqamba ubuqaba lapho kunesimo esibucayi. Isibonelelo sakho siyithuluzi; sisebenzise ukwakha ikusasa elingcono, hhayi nje ukusinda kulesi sikhathi samanje.

FAQs

Iyiphi ibhange elingcono kakhulu lezibonelelo zeSASSA ngo-2026?

Kubantu abaningi, i-TymeBank ne-akhawunti ye-FNB Easy Zero yizona ezihamba phambili ngoba azinazo izimali zenyanga ze-akhawunti, okusho ukuthi ugcina imali yakho yesibonelelo eningi. I-Capitec nayo iyinketho enhle, ebiza kancane enohlelo lokusebenza oluhle lokubhenka nokufinyeleleka okubanzi.

Ingabe iSASSA ingadonsa ngokusemthethweni imali yekhava yomngcwabo noma i-airtime?

ISASSA ngokwayo ayenzi ukudonswa kwemali kwalawa masevisi. Kodwa-ke, uma unikeze imvume (ngezinye izikhathi ungazi) enkampanini yesithathu, bangafaka i-debit order ku-akhawunti yakho. Unelungelo lokukhansela noma yikuphi ukudonswa kwemali ongangakugunyazanga noma ongasakufuni.

Ngingayimisa kanjani i-EasyPay Everywhere (‘ikhadi eliluhlaza’) ukuthi ingayithathi imali yami?

Okokuqala, xhumana nebhange lakho (uma isibonelelo singena khona) ukuvimba i-debit order. Uma imali yakho iya ngqo ekhadini eliluhlaza, kufanele uxhumane ne-EasyPay Everywhere ngqo ukuze uxazulule noma yiziphi izivumelwano ezingakakhokhwa futhi uvale i-akhawunti. Kufanele futhi ufake isikhalazo kuMlawuli Wezikweletu Kazwelonke uma uzwa ukuthi imali mboleko noma imigomo ibingafanele. Isixazululo esingcono kakhulu sesikhathi eside ukushintshela ukukhokha kwakho ku-akhawunti yasebhange ephephile, yangasese.

Ingabe kuphephile ukushintsha imininingwane yami yasebhange yeSASSA ku-inthanethi?

Yebo, ukusebenzisa iwebhusayithi esemthethweni yeSASSA SRD kuyindlela ephephe kakhulu yokuvuselela imininingwane yakho yasebhange. I-SASSA isebenzisa i-PIN yesikhathi esisodwa ethunyelwe enombolweni yakho yeselula ebhalisiwe ukuqinisekisa ubuwena. Ungalokothi usebenzise iwebhusayithi yesithathu noma unikeze imininingwane yakho kumuntu ocingweni.

Ngizoyithola imali yami kule nyanga uma ngishintsha imininingwane yami yasebhange manje?

Kuncike esikhathini. I-SASSA idinga isikhathi sokuqinisekisa i-akhawunti yakho entsha. Uma ushintsha imininingwane yakho eduze nosuku lokukhokha, imali ingase iye ku-akhawunti yakho endala kuleyo nyanga. Ushintsho luzosebenza kusukela kumjikelezo olandelayo wokukhokha. Kungcono ukushintsha imininingwane yakho ngokushesha ngemuva kokuthi usukhokhelwe.

Iyiphi indlela esheshayo yokuthola usizo ngenkinga yokukhokha?

Ezikhalazweni zokukhokha, inombolo yeSASSA kazwelonke yamahhala yiyona okufanele uqale uxhumane nayo: 0800 60 10 11. Ezingqinambeni zokudonswa kwemali okungagunyaziwe, umnyango wokukhwabanisa webhange lakho yiyona ndlela esheshayo yokuvimba nokuhlehlisa imali.

Ingabe ama-akhawunti esitolo ayimbono enhle kubahlomuli beSASSA?

Kufanele uqaphele kakhulu ngama-akhawunti esitolo (njengama-akhawunti ezimpahla noma ifenisha). Avame ukufika namazinga aphezulu enzalo nezimali. Nakuba kuyalinga ukuthenga ngesikweletu, kungaholela ngokushesha esikweletini esiningi lapho ingxenye enkulu yesibonelelo sakho isetshenziselwa ukukhokhela isikweletu sesitolo. Ngokuvamile kuphephe kakhulu ukulondoloza izinto esikhundleni salokho.

Ngingahlola kanjani ukuthi umqambimboleko ubhalisiwe futhi akayona ‘inhloli yemali’ (loan shark)?

Ungaqinisekisa ukuthi umhlinzeki wezikweletu ubhalisiwe ngokuhlola kuMlawuli Wezikweletu Kazwelonke (NCR). Iwebhusayithi yabo inerejista yomphakathi. Abakweletisi ababhalisiwe kufanele banamathele emithethweni mayelana namazinga enzalo nokuhlolwa kokukwazi ukukhokha. Abaqambimboleko abangabhalisiwe (izinhloli zemali) basebenza ngokungekho emthethweni.