"Intela Engabonakali" Kwabampofu: Indlela Imali Yokusevisisa Yasebhange Edla Ngayo Izibonelelo ze-SASSA ngoNovemba 2025

Ingabe ulahlekelwa yimali yesibonelelo ebalulekile ngenxa yezindleko zasebhange ezifihliwe? NgoNovemba 2025, sibeka obala izindleko ezishaqisayo zokukhipha imali yakho ye-SASSA futhi sidalule izindlela ezihlakaniphe kakhulu, futhi ezishibhe kakhulu zokuthola imali yakho ngaphambi kokugcwala kukaDisemba.

Isela Elithule Ephaketheni Lakho: Isexwayiso Sezezimali sikaNovemba 2025

Kubhedesha uNovemba 2025, kanti njengoba abaseNingizimu Afrika belungiselela isizini ebiza kakhulu yamaholide, isela elithule liyasebenza obala. Akulona umkhonyovu othumela ama-SMS, futhi akulona iphutha ohlelweni lwe-SASSA. Iwukudliwa kancane kancane kwesibonelelo sakho ngenxa yezimali zokusevisisa zasebhange nezindleko zokukhipha imali. Kumuntu ozuza isibonelelo se-SRD (okwamanje esingu-R370), ukulahlekelwa yi-R20 nje ngenxa yezindleko zokukhipha imali kuyingxenye enkulu yemali yakhe ephelele. Kodwa, izigidi zabahlomuli ngaphandle kokwazi banikela ngale mali ezikhungweni zezimali njalo ngenyanga ngokususa indlela yokukhipha engalungile noma i-ATM engalungile. Lesi sihloko akusona nje isibuyekezo sezindaba; kuwukungenela kwezimali. Sichaza izindleko zangempela zokuthola imali yakho ekupheleni kuka-2025 futhi sinikeza isu lokumisa lokhu kudla kwemali ngokushesha.

Izibalo Zobumpofu: Kungani u-R370 Engesiyena Ngempela u-R370

Ake sibheke izinombolo ezicacile zikaNovemba 2025. Uma usebhange elikhulu (‘Big Four’) futhi ukhipha imali yakho kwenye i-ATM (i-SASwitch), ungakhokha u-R25 kuya ku-R35 ngomsebenzi ngamunye. Faka imali yokubuza ibhalansi (imvamisa u-R8-R10 kuma-ATM) kanye nemali yenyanga ye-akhawunti (u-R5-R10 kuma-akhawunti esezingeni eliphansi), futhi ungalahlekelwa kalula u-R50 wesibonelelo sakho ngaso leso sikhathi. U-R50 ucisa u-13.5% wesibonelelo sika-R370. Cabanga uma abacebile bekhokha intela engu-13.5% ukuze bakhiphe iholo labo? Kungaba khona ukufutheka. Kodwa, leli iqiniso kubahlomuli abaningi be-SASSA abaye bacindezeleka ukusebenzisa ‘Ama-akhawunti Asebhange Okomuntu Siqu’ ngaphandle kwemfundo efanele yezimali mayelana nezakhiwo zezindleko.

Ukuncintisana Kwamabhange ka-2025: I-Gold Card vs. Amabhange Edijithali vs. Amabhange Esintu

Esikhathini sikaNovemba 2025, akuzona zonke izindlela zokukhokha ezidalwe zilingana. Nansi ukuhlaziya kwethu okungenasihlungi kokuthi imali yakho iphephephi ezindlekweni:

1. I-SASSA Gold Card (Postbank)

• Okuhle: Ihlezi iyinkosi yemisebenzi engenazindleko kubathengisi ababambiqhaza (Boxer, Pick n Pay, Shoprite, Checkers, Usave). Uswayipha, uthola imali, awukhokhi mali. Ukukhipha imali kathathu mahhala kubathengisi ngenyanga.
• Okubi: Izinkinga zokuthembeka kanye namaphutha ohlelo ku-Postbank kuye kwabangela ukwesaba ukuthi amakhadi ngeke asebenze uma edingeka.

2. Amabhange Edijithali (TymeBank, Bank Zero)

• Okuhle: Lawa mabhange alethe inguquko kwezokubhanga ezishibhile. I-TymeBank, isibonelo, ivumela ukukhipha mahhala ezindaweni zokukhokha e-Pick n Pay nase-Boxer. Izindleko zawo zenyanga ze-akhawunti zivame ukuba uziro.
• Okubi: Ukufaka imali (uma kwenzeka udinga ukungeza imali) kungadonsa izindleko, futhi ukusebenzisa ikhadi lawo kwi-ATM yesintu kusabiza kakhulu.

3. Amabhange Esintu (Capitec, FNB, Standard Bank, Absa, Nedbank)

• Okuhle: Ukuthembeka. Uyazi ukuthi imali ikhona, futhi izinhlelo zawo zokusebenza ziyasebenza.
• Okubi: Uma ungenayo ‘iphakheji’ ethile ye-akhawunti yokuphila noma yomholo ophansi, izindleko zingaba yisilonda. Ukukhipha imali kwi-ATM kuyindlela ebiza kakhulu yokuthola isibonelelo sakho.

‘Isu Labathengisi’: Indlela Abahlomuli Abahlakaniphile Abakhokha Ngayo Uziro Ezindlekweni

Uma kukhona into eyodwa oyithathayo kulesi sihloko, kube ‘Isu Labathengisi’ (Retailer Strategy). Ngo-2025, i-ATM iyisitha sakho. Indawo yokukhokha ingumngane wakho. Abathengisi abaningi abakhulu baseNingizimu Afrika banikeza ukusebenza kwe-‘Cash Back’ noma ‘Cash at Till’. Lokhu kuguqula umphathi wendawo yokukhokha abe yi-ATM engumuntu. Izindleko? Ngokuvamile ziphansi kakhulu kune-ATM, futhi ngokuvamile mahhala kuye ngebhange lakho kanye nobambiswano lwesitolo.

Isu:

1. Yeka ukubheka ibhalansi kuma-ATM. Sebenzisa ifoni yakho (i-USSD noma i-App) ukubheka ibhalansi yakho mahhala noma ngezindleko eziphansi kakhulu.
2. Yiya kumthengisi. Shoprite, Checkers, Boxer, Pick n Pay, noma Usave.
3. Thenga into encane ebalulekile (njengesinkwa noma insipho) oyidingayo vele.
4. Khipha yonke imali yakho endaweni yokukhokha.

Ngokuhlanganisa ukukhipha kwakho imali nokuthenga okudingekayo, uvame ukudlula esimeni ‘sezindleko zokukhipha’ samabhange amaningi, noma ukhokhe imali encane, elinganiselwe (isb., R2-R4) uma kuqhathaniswa no-R20+ kwi-ATM.

Kungani Ukushintsha Izindlela Zokukhokha MANJE (Novemba) Kubalulekile ngoDisemba

UDisemba yinyanga ematasa kakhulu ohlelweni lwamabhange. Ama-ATM aphelelwa yimali, imigqa kubathengisi iyanda, futhi izinhlelo ziyavaleka ngenxa yobuningi. Uma okwamanje ubambeke endleleni yokubhanga ebiza kakhulu, uNovemba 26 kuya kuNovemba 30 yithuba lakho lokushintsha. Ukushintsha imininingwane yakho yasebhange kuphothali ye-SASSA SRD kuthatha isikhathi ukuze kuqinisekiswe (imvamisa izinsuku ezingu-7-14). Uma ubuyekeza imininingwane yakho manje uye ebhange elishibhe kakhulu (njenge-akhawunti ye-TymeBank noma i-Capitec EasyAccount enezindleko eziphansi), ushintsho kufanele lusebenze ngesikhathi sokukhokha sikaDisemba.

Isexwayiso: Ungashintshi i-akhawunti yakho yasebhange uma inkokhelo yakho kaNovemba iselokhu ‘Icutshungulwa’ (Processing). Linda kuze kube yilapho imali isisesandleni sakho, bese ushintsha ngokushesha ngenyanga elandelayo.

‘Izingibe Zezindleko’ Ezivamile Okufanele Uzibalekele Ekupheleni kuka-2025

Sihlaziye izikhalazo zabahlomuli ezivela ezinkundleni zokuxhumana nasemibikweni yezindaba ekupheleni kuka-2025. Nansi izindlela ezivame kakhulu abantu abalahlekelwa ngayo imali ngengozi:

• Ingibe ‘Yemali Enganele’: Uma uzama ukuswayipha noma ukukhipha u-R370 kodwa une-R360 kuphela ku-akhawunti yakho (ngoba imali yenyanga idonsiwe), umsebenzi uyahluleka. Ibhange libe selikukhokhisa ‘Imali Yomsebenzi Odlulelwe’ (Declined Transaction Fee) (imvamisa u-R5-R8). Ulahlekelwa yimali ngokungabi nayo imali. Hlola njalo ibhalansi yakho kufoni yakho kuqala.
• Ingibe Yesaziso Se-SMS: Ama-akhawunti amaningi akhokhisa u-50c kuya ku-R1 ngesaziso se-SMS. Ngesibonelelo sika-R370, ukuvala izaziso ze-SMS nokusebenzisa izaziso ze-Banking App zamahhala kungakongela u-R12+ ngonyaka. Kuncane, kodwa kuyanda.
• Inhlawulo ‘Ye-ATM Engalungile’: Ukukhipha kwi-ATM ye-SASwitch (i-ATM engeyesiyo yebhange lakho) iyona ndlela esheshayo yokulahlekelwa u-R30. Hamba amabhulokhi engeziwe ukuze uthole i-ATM yebhange lakho, noma, okungcono kakhulu, sebenzisa umthengisi.

Isinyathelo Ngesinyathelo: Indlela Yokushintsha Imininingwane Yakho Yasebhange Ukuze Uthole Izindleko Ezishibhile

Usuwukulungele ukumisa ukulahlekelwa yimali? Uma uvule i-akhawunti yasebhange entsha, ebiza kancane, nansi indlela yokubuyekeza i-SASSA ngokushesha:

1. Yiya Kuwebhusayithi Esemthethweni Ye-SRD: Vakashela srd.sassa.gov.za.
2. Skrolela ku-‘How do I change my banking details’: Chofoza isigaba Sabanikazi be-ID baseNingizimu Afrika.
3. Faka Inombolo ye-ID: Iphini Lesikhathi Esisodwa (OTP) lizothunyelwa kufoni yakho ebhalisiwe.
4. Faka i-OTP: Faka iphini ukuze ufinyelele iphrofayela yakho evikelekile.
5. Khetha ‘Bank Account’ (I-Akhawunti Yasebhange): Ungakhethi ‘Cash Send’ (Ukuthumela Imali) uma ufuna ukugwema imigqa yokuqoqa. Khetha ‘Bank Account’.
6. Faka Imininingwane Emisha: Faka igama lakho lasebhange elisha, ikhodi legatsha, kanye nenombolo ye-akhawunti ngokunembile.
7. Hambisa (Submit): I-SASSA izoqinisekisa lokhu nebhange. Lesi simo sivame ukushintsha sibe ‘Verification Pending’ (Ukuqinisekisa Kusamele Kwenziwe).

Umbono: Isithunzi Sezimali Siyilungelo

Kulula ukushiya u-R20 noma u-R30 njengokuthi ‘imali encane’. Kodwa ngokuphathelene nezokuphepha komphakathi eNingizimu Afrika, kuyindaba yesithunzi. Umkhakha wezezimali unesibopho sokuqinisekisa ukuthi izibonelelo zomphakathi aziphathwa njengomthombo wemali yezindleko zenkampani. Kuze kube inqubomgomo isebenzisa ama-akhawunti esibonelelo angenazindleko kuwo wonke amabhange, umthwalo wolwazi uwela kuwe, mhlomuli. Kufanele uhlakaniphe, ube ngcono, futhi ube namasu kunohlelo olwakhelwe ukuzuza kuwe. Phatha ukukhetha kwakho kwebhange njengesinqumo sebhizinisi. ‘Ibhizinisi’ lakho lokuphatha ukusinda kwakho, futhi awukwazi ukukhokhela izindleko ezingadingekile.

Isiphetho: Thatha Imali Yakho Ka-R370

Njengoba sibheke ekupheleni kuka-2025, ungavumeli ubuvila noma umkhuba kukulahlekisele imali. Hlola isitatimende sakho sasebhange namuhla. Bheka ‘Withdrawal Fee’, ‘Service Fee’, noma ‘SASwitch Fee’. Uma ukubona, ukhokha intela yobumpofu. Sebenzisa izinsuku ezisele zikaNovemba ukuze uhlele kabusha indlela owamukela ngayo imali yakho. Kungakhathaliseki ukuthi ukushintshela ebhange ledijithali, ukuzibophezela endleleni yokukhipha ngomthengisi, noma ukumisa nje umkhuba wokubuza ibhalansi, unamandla okunikeza wena ‘ukwanda kwemali’ ngokunciphisa izindleko.

FAQs

Yiliphi ibhange elishibhe kakhulu lezibonelelo ze-SASSA ngo-2025?

Amabhange edijithali njenge-TymeBank ne-Bank Zero avame ukunikeza izindleko zenyanga eziphansi kakhulu (imvamisa uziro) kanye nokukhipha okushibhile kubathengisi. Kodwa, i-SASSA Gold Card (Postbank) inikeza ukukhipha mahhala kubathengisi ababambiqhaza, okwenza incintisane kakhulu uma ugwema ama-ATM.

Kubiza malini ukukhipha imali ye-SASSA kwi-ATM?

Uma usebenzisa i-ATM yebhange lakho, kungabiza phakathi kuka-R8 no-R15 kuye ngenani. Uma usebenzisa i-ATM yelinye ibhange (i-SASwitch), izindleko zingakhuphukela ku-R30 nangaphezulu. Ukukhipha kubathengisi kuhlala kushibhile njalo.

Ngingakwazi yini ukushintsha imininingwane yami yasebhange ye-SASSA ngoNovemba 2025?

Yebo, ungashintsha imininingwane yakho nganoma yisiphi isikhathi kuwebhusayithi ye-SRD. Kodwa, uma inkokhelo yakho yenyanga yamanje isivele ‘Icutshungulwa’, imali izoya kwi-akhawunti endala. Imininingwane emisha izosebenza emjikelezweni wokukhokha olandelayo.

Ingabe i-SASSA Gold Card iphelelwa yisikhathi ngo-2025?

Nakuba kuye kwaba khona izandiso ezahlukahlukene nokushintshwa kwamakhadi eminyakeni edlule, ama-Gold Card asemthethweni ayaqhubeka nokusebenza. Kodwa, abahlomuli bavame ukukhuthazwa ukuba babe nama-akhawunti asebhange omuntu siqu ukuze bagweme ukuncika ekuqineni kohlelo lwe-Postbank.

Kungani ngithole imali encane kuna-R370 ku-akhawunti yami?

Uma inani lesibonelelo elifakiwe lalingelelo kodwa ibhalansi yakho iphansi, kungenzeka ukuthi kungenxa yezindleko zasebhange. Izindleko zokugcina i-akhawunti zenyanga, izindleko zesaziso se-SMS, noma ama-debit order angakhokhiwe angadonswa ngokuzenzakalelayo ngokushesha nje lapho isibonelelo sifika.

Ngiyihlola kanjani ibhalansi yami ye-SASSA ngaphandle kokukhokha imali?

Ungahloli ibhalansi yakho kwi-ATM. Sebenzisa ikhodi ye-USSD yebhange lakho (isb., 1203279# ye-Nedbank, 120277# ye-Standard Bank, njll.) noma uhlelo lwabo lokusebenza lweselula. Ukuhlola nge-USSD kuvame ukuba mahhala noma kubiza kancane kakhulu (20c).

Ngingakwazi yini ukusebenzisa i-TymeBank ye-SASSA SRD?

Yebo, i-TymeBank iyindlela ethandwayo kubahlomuli be-SASSA ngoba ayinazo izindleko zenyanga. Ungalanda ubufakazi be-akhawunti yakho ku-kiosk yabo noma kuhlelo lokusebenza bese uyayifaka kuphothali ye-SASSA.

Iyiphi indlela engcono kakhulu yokugwema imigqa emide ngoDisemba 2025?

Ukuze ugweme imigqa, ungakhiphi imali yakho ngosuku lokuqala lokukhokha. Linda izinsuku ezingu-3-4. Futhi, gwema ama-ATM nama-Post Office; sebenzisa izindawo zokukhokha zabathengisi ngezikhathi zokungagcwalile (phakathi nenyanga noma ekuseni kakhulu) ukuze uthole isevisi esheshayo.