Umgibe Wezimali Zebhange we-SASSA oyi-R150: Amabhange Adla Kancane Isibonelelo Sakho ngo-2025

Nakuba i-akhawunti yasebhange ibonakala iyindawo ephephile yesibonelelo sakho se-SASSA, izimali ezifihliwe, imali mboleko eyingozi, nama-debit order angamthetho kudla izimali eziningi zabahlomulayo. Lolu cwaningo luka-2025 luveza imigibe yezezimali evame ukuhlasela abahlomula ku-SASSA futhi inikeza umhlahlandlela ocacile wokuthi ungayivikela kanjani imali yakho.

Iqiniso Eliqandula Ikhanda: Isibonelelo Sakho se-SASSA Siyisisulu

Masikhulume iqiniso elingenamusa. Ezigidini zabantu baseNingizimu Afrika, isibonelelo se-SASSA akulona nje usizo; siyisisekelo sempilo. Kodwa embonini enkulu yezezimali, lesi sisekelo sibonakala njengomthombo wemali oqinisekisiwe wanyanga zonke osekulungele ukuthathwa. Njalo ngenyanga, lapho sekusondele izinsuku zokukhokha ze-SASSA, kuqala impi ethulile ngemali yakho. Amabhange, abanikeli bemali mboleko encane, nezinkampani zomshwalense zakhe wonke amabhizinisi azungeze isibonelelo sakho. NgoZibandlela (December) 2025, le nkinga isifinyelele kude. Abahlomulayo babika ukuthi balahlekelwa noma yikuphi kusuka ku-R50 kuya ku-R200 noma ngaphezulu ngaphambi kokuba bathinte ngisho nemali yabo, konke ngenxa yenkinga yezimali eziningi, ukudonswa kwemali, nemikhiqizo yezezimali abavamise ukungayiqondi noma abangakhumbuli ukuthi bayisayinele. Le nkinga ayiyona nje eyezezimali; iyisenzo esilimaza isithunzi sabantu abasengozini enkulu.

Inganekwane Ye-Akhawunti Yasebhange ‘Engenazimali’ ka-2025

Uhulumeni ne-SASSA bakhuthaze kakhulu abahlomulayo ukuthi basuke ezindaweni zokukhokha ngemali baye kuma-akhawunti asebhange ukuze baphephe futhi kube lula. Amabhange asabele ngokukhipha ama-akhawunti ‘okufinyelela kalula’, ‘anezindleko eziphansi’, noma ngisho ‘angenazimali’ aqondiswe ngqo kubahlomula isibonelelo. Kodwa ingabe ‘mahhala’ ngempela ‘mahhala’? Ukuhlaziya kwethu kuka-2025 kusho ‘cha’ ngokuzwakalayo.

Ukuhlukaniswa Kwezindleko Ezifihliwe:

Imali Yokukhipha: I-akhawunti ingahle ingabi nayo imali yanyanga zonke, kodwa ukukhipha imali kubiza. Ukusebenzisa i-ATM yelinye ibhange kungakubiza u-R10 – R20 ngokukhipha okukodwa. Izikhathi ezimbalwa uya e-ATM zingenza imali ifinyelele ku-R50 ngokushesha.
Imali Yokwehluleka Kwe-Debit Order: Lona umgibe omkhulu. Uma inkampani izama ukudonsa imali kanti imali yakho incane kakhulu, ibhange likukhokhisa imali yesijeziso, evamise ukuba phakathi kuka-R20 no-R50. Ulahlekelwa yimali ngenxa yokungabi nemali eyanele.
Imali Yezitatimende (Statement Fees): Udinga isitatimende esiprintiwe esivela egatsheni? Izoba u-R25, sicela. Ufuna ukuhlola ibhalansi yakho e-ATM? Lokho kungenye i-R2.
Imali Yokwenqaba (Decline Fees): Uma uzama ukukhokha ngekhadi lakho bese ukuthengiselana kwenqatshwa ngenxa yokungabi nemali eyanele, amanye amabhange asazokukhokhisa imali.

Ingozi Yama-Debit Order: Ababulali Besibonelelo Abathule

I-debit order ingazizwa njengesipoki e-akhawuntini yakho—amandla athulile, angabonakali athathe imali yakho ngaphambi kokuba uvuke ngosuku lokukhokha. Nakuba kukhona ama-debit order asemthethweni ezintweni ezifana nenkontileka yocingo noma i-akhawunti yesitolo, kuphume imboni eyingozi eqondise abahlomula ku-SASSA.

Amathengisi anengcindezi ezindaweni zokukhokha kwabaphenshini noma ezikhungweni zokuthenga avamise ukuthengisa i-airtime, ugesi, noma amaphoyisi omshwalense anefomu le-debit order. Ngokuxhamazela, abantu abaningi bayasayina ngaphandle kokuqonda ngokugcwele izindleko zesikhathi eside. Umphumela? Ukudonswa kwe-R99 lapha, ukudonswa kwe-R120 laphaya, futhi ngokuzumayo i-Older Persons Grant yakho engu-R2,080 yehle yaba u-R1,800. Ukulwa nalokhu kunzima futhi kudla isikhathi, inqubo abahlomula abaningi asebekhulile noma abagulayo abakwazi ukuyiphatha.

Ungalwa Kanjani: Umhlahlandlela Wakho Wokukhansela I-Debit Order ngo-2025

Unelungelo lokulawula imali yakho. I-National Payment System Act ikunika amandla okuphikisa nokukhansela ama-debit order. Nansi inqubo ka-2025:

Thola I-Statement Yasebhange: Hamba egatsheni lebhange lakho noma usebenzise i-ATM ukuze uthole isitatimende sezinyanga ezi-3. Ungathembeli ezazisweni ze-SMS.
Khomba Okudonswe Ngokungagunyaziwe: Hlola ngokucophelela yonke i-debit order. Uma ungayiboni igama lenkampani noma insizakalo, yiphakamise ngokushesha.
Vakashela Igatsha Lebhange Lakho: Hamba edeskini lemibuzo bese usho ngokucacile: ‘Ngifuna ukuphikisa nokukhansela i-debit order engingayigunyazanga.’
Gcwalisa Ifomu Elimisiwe: Ibhange kumele likunikeze ifomu eliqondile lale njongo. Liyigcwalise ngokugcwele. Akudingeki uxhumane nenkampani edonsa imali ngokwakho; ibhange kumele lenze ngokuya ngemiyalelo yakho.
Funa Ukubuyiselwa (Uma Kungenzeka): Ngokudonswa kwemali kwakamuva (ngokuvamile phakathi kwezinsuku ezingu-40 ezedlule), ungacela ukuthi ibhange libuyisele imali. Impumelelo ingahlukahluka, kodwa kubalulekile ukubuza.
Thola Ubufakazi: Ungalishiyi ibhange ngaphandle kwekhophi enesitembu yefomu lakho lokukhansela noma inombolo yereferensi. Lobu ubufakazi bakho uma ukudonswa kwemali kuqhubeka.

Inkinga Ye-Funeral Cover: Ukuthula Kwengqondo Noma Izindleko Eziphezulu?

Ukuqinisekisa umngcwabo onesizotha kuyinto ebalulekile yamasiko neyomuntu siqu. Ngokudabukisayo, lesi sidingo esijule kangaka siyaxhashazwa. Abahlomulayo bavamise ukuthengiselwa amaphoyisi omngcwabo anezindleko eziyi-R150-R250 ngenyanga, ethembisa ukukhokhelwa okukhulu. Kodwa-ke, amagama amancane avamise ukuba nezigatshana ezenza izimangalo zibe nzima, noma izindleko ziphakeme kakhulu ngokuphathelene ne-cover enikeziwe.

Ngaphambi kokuthi usayinele noma iyiphi i-funeral cover ngo-2025, buza le mibuzo:

Ingabe umhlinzeki ubhalisiwe? Cela inombolo yakhe ye-Financial Sector Conduct Authority (FSCA) license.
Siyini isikhathi sokulinda? Amanye amaphoyisi anesikhathi sokulinda esiyizinyanga eziyisi-6 noma ngisho izinyanga eziyi-12 ngokufa kwemvelo. Uma umuntu edlula emhlabeni ngaphambi kwalokhu, awutholi lutho ngaphandle kwezindleko zakho zokukhokha ezibuyisiwe.
Yiziphi izinto ezingafakiwe? Ingabe kukhona izimbangela ezithile zokufa ezingafakiwe?
Ingabe zikhona izinyuso zezindleko? Ingabe izindleko zakho zizokhuphuka njalo ngonyaka? Ngabe zizokhuphuka kangakanani?

Cabangela izinkampani zomshwalense ezaziwayo, ezithembekile noma imikhiqizo yomshwalense yasebhange lakho, evamise ukulawulwa kakhulu futhi ibe sobala kunamaphoyisi athengiswa emgwaqweni.

Osomahlaya Abazinze Kumali Mboleko: Imali Mboleko ‘Ethola Kalula’ Nezindleko Zayo Zangempela

Lapho kuvela isimo esiphuthumayo, ‘imali mboleko esheshayo’ ekhangiswe nge-SMS noma iphepha lingabonakala njengesipho esivela kuNkulunkulu. Laba banikeli bemali bavamise ukuqondisa abahlomula ku-SASSA ngoba banemali engenayo eqinisekisiwe. Kodwa izindleko ziphakeme kakhulu. Nakuba abanikeli bemali mboleko encane ababhalisiwe benezinga eliphezulu lenzalo, osomahlaya abangamthetho (mashonisas) nabaningi abanikeli bemali mboleko abaku-inthanethi basebenza endaweni engaqinisekile.

Imali mboleko engu-R1,000 ingadinga kalula ukukhokhwa kwe-R1,500 ngosuku lwakho olulandelayo lokukhokha isibonelelo—izinga lenzalo lika-50% enyangeni eyodwa nje. Ukwehluleka ukukhokha kuholela emkhondweni wesikweletu okunzima ukuphuma kuwo. Bavamise ukucela ngokungemthetho ukugcina ikhadi lakho le-SASSA ne-PIN ’njengesibambiso’, okubanika ukulawula okuphelele phezu kwesibonelelo sakho.

Ungalokothi, nganoma yiziphi izimo, unikeze noma ubani ikhadi lakho le-SASSA ne-PIN. Akukho emthethweni futhi kubanika amandla aphelele phezu kwempilo yakho.

Ukukhetha Okuhlakaniphile: Izinketho Ezinhle Zamabhange Ezibonelelo ze-SASSA ngo-2025

Ukukhetha i-akhawunti yasebhange efanele kuyisivikelo sakho sokuqala. Nanku ukubheka izinketho ezidumile zikaZibandlela 2025:

Capitec Global One: Idume kakhulu ngenxa yemali yayo yanyanga zonke ephansi (cishe u-R5) kanye nohlelo lokusebenza olulula ukulisebenzisa. Ukukhipha imali kuma-ATM e-Capitec kushibhile, kodwa kubiza kakhulu kwamanye amabhange. Kuhle kulabo abakhululekile ngobuchwepheshe.
TymeBank EveryDay Account: Umqhudelani oqinile ongenazimali zanyanga zonke. Isebenzisana nezitolo ze-Pick n Pay ne-Boxer ukuze ukhiphe imali, okungaba kushibhile kune-ATM yendabuko. Inketho enhle yokuqala yedijithali.
Postbank SASSA Account: Yakhelwe ngokukhethekile izibonelelo futhi ayinayo imali yanyanga zonke. Inzuzo eyinhloko ukukhipha imali mahhala emagatsheni e-Post Office nakwabanye abathengisi. Kodwa-ke, ihlaselwe izinkinga zesistimu nemigqa emide, okungaba yinkinga enkulu.
Amabhange Amakhulu (FNB, Absa, Standard Bank, Nedbank): Onke anikela ngama-akhawunti ezinga lokuqala. Angase abe nezimali eziphakeme kancane kodwa anikela ngenethiwekhi enkulu kakhulu ye-ATM. Qhathanisa ama-akhawunti awo ‘ayisisekelo’ noma ‘okufinyelela’ ngokucophelela.

Amandla Ama-Stokvel: Enye Indlela Esekelwe Emphakathini

Ngaphambi kokuba uphendukele kosomahlaya, cabangela amandla omphakathi wakho. Ama-stokvel, noma amakilabhu okonga omphakathi, kube yisisekelo sezezimali semiphakathi yaseNingizimu Afrika izizukulwane ngezizukulwane. Ngokuhlanganisa inani elincane lemali (isib. R100) esibonelelweni sakho inyanga ngayinye neqembu labangane noma omakhelwane abathembekile, udala isikhwama esihlanganyelwe esingasetshenziselwa izimo eziphuthumayo, izimali zesikole, noma ngisho nokuqala ibhizinisi elincane. Kuyisistimu eyakhelwe ekuthembekeni, hhayi izikolo zesikweletu, futhi ayikho inzalo okufanele uyibuyisele. Kuyisixazululo esinamandla, sendabuko senkinga yesimanje yokukhishwa kwezezimali.

Isiphetho: Thatha Ukulawula Isibonelelo Sakho

Isibonelelo sakho se-SASSA siyilungelo lakho lomthethosisekelo nethuluzi lokusinda nokuba nempilo enhle. Akuyona imali engenayo yokusebenzisa izikhungo zezezimali. Isistimu ingabonakala iyinkimbinkimbi futhi ihlelelwe ukumelana nawe, kodwa ulwazi lunamandla. Ngokukhetha i-akhawunti yasebhange efanele, ukuhlola ngokucophelela yonke i-debit order, ukuqapha ngezimali mboleko nomshwalense, nokusebenzisa ukonga okusekelwe emphakathini, ungavikela isibonelelo sakho. Ngo-2025, ubizo lwesinyathelo lucacile: qaphela, buza imibuzo, futhi ube yinkosi yemali yakho. Isithunzi sakho sezezimali sincike kukho.

FAQs

Iyiphi i-akhawunti yasebhange eshibhe kakhulu yesibonelelo sami se-SASSA ngo-2025?

Ayikho i-akhawunti eyodwa ’eshibhe kakhulu’, njengoba kuncike ekutheni uyisebenzisa kanjani. I-TymeBank ivamise ukuba nezimali eziphansi kakhulu uma ukhipha imali e-Pick n Pay noma e-Boxer. I-Capitec inemali yanyanga zonke ephansi kanye nenethiwekhi enkulu ye-ATM. I-akhawunti ye-Postbank ayinayo imali yanyanga zonke kodwa ingaba nemigqa emide. Qhathanisa izakhiwo zezimali zala mabhange ngokusekelwe ekukhipheni kwakho siqu nasezindleleni zokuthengiselana.

Ngingayithola yini imali mboleko uma ngithola isibonelelo se-SASSA?

Yebo, izinkampani eziningi zikunika imali mboleko abahlomula ku-SASSA ngoba isibonelelo singumthombo othembekile wemali engenayo. Kodwa-ke, kumele uqaphe kakhulu. Sebenzisa kuphela abahlinzeki besikweletu ababhalisiwe futhi ugweme abanikeli bemali mboleko ’esheshayo’ noma ‘ye-payday’ abakhokhisa inzalo enkulu. Ungalokothi unikeze ikhadi lakho le-SASSA ne-PIN njengesibambiso semali mboleko; akukho emthethweni futhi kuyingozi.

Ngingayimisa kanjani i-debit order engamthetho evela e-akhawuntini yami ye-SASSA?

Unelungelo lokukhansela noma iyiphi i-debit order. Hamba egatsheni lebhange lakho ne-ID yakho nesitatimende sasebhange. Cela ifomu elisemthethweni lokuphikisa/lokukhansela i-debit order. Ibhange lidingeka ngokusemthethweni ukuthi licubungule isicelo sakho. Akudingeki uxhumane nenkampani ethatha imali. Thola ikhophi enesitembu yefomu njengobufakazi.

Ingabe i-funeral cover ethengiswa emgwaqweni noma ocingweni isemthethweni?

Amanye angaba semthethweni, kodwa ingozi yokukhwabanisa noma amaphoyisi amabi iphakeme kakhulu. Kuphephe kakhulu ukuthola i-funeral cover kumshwalense owaziwayo, othembekile noma ebhange lakho. Hlala ucela inombolo ye-Financial Sector Conduct Authority (FSCA) yomhlinzeki ukuze uqinisekise ukuthi ungumhlinzeki wezinsizakalo zezezimali obhalisiwe.

Kungani kukhona okudonswa okuningi esibonelelweni sami sokusekela ingane?

Ngokusemthethweni, iphoyisi elilodwa lomngcwabo kuphela, elenzelwe ingane, elivunyelwe ukudonswa ngqo ku-Child Support Grant, futhi akumele libe ngaphezu kwe-10% yenani lesibonelelo. Noma ikuphi okunye okudonswayo kwezinto ezifana ne-airtime, imali mboleko, noma ugesi kungenzeka kungemthetho. Kumele ulandele inqubo yokukhansela i-debit order ebhange lakho ngokushesha.

Ingabe isitolo singaligcina ikhadi lami le-SASSA uma nginesikweletu kubona?

Cha, lokhu akukho emthethweni ngokuphelele. Ikhadi lakho le-SASSA ngelakho futhi akekho, kuhlanganise nomnikazi wesitolo noma usomahlaya, onelungelo lokuligcina. Bika noma yimuphi umuntu owenza lokhu emaphoyiseni naku-SASSA ngokushesha.

Kwenzekani uma i-debit order yehluleka ngoba ngingenayo imali?

Ibhange lizokukhokhisa ‘imali ye-debit order ehlulekile’ noma ‘imali engakhokhiwe’. Lokhu kungaba noma yikuphi kusuka ku-R20 kuya ku-R50 noma ngaphezulu. Lokhu kusho ukuthi ulahlekelwa yimali ngenxa nje yokungabi nemali eyanele e-akhawuntini yakho, okuwumgibe omkhulu kulabo abanesabelomali esiqinile.

Kufanele ngiyishintshe yini indlela yami yokukhokha ye-SASSA iye e-akhawuntini yasebhange?

Kubaningi, i-akhawunti yasebhange iphephe kakhulu futhi ilula kunokuqoqa imali. Kodwa-ke, njengoba le ndatshana ichaza, kumele uqaphele izimali ezingaba khona kanye nokudonswa kwemali. Uma ukhetha ibhange, khetha elinesakhiwo sezimali esivumelana nezidingo zakho futhi uqaphe ekuhloleni i-akhawunti yakho. Ukuze uthole ulwazi lokuthi ungawashintsha kanjani imininingwane yakho, kungase kudingeke uthintane neziteshi ezisemthethweni ze-SASSA.