Ugibe LwaseBhange Lwe-R350: Ingabe Ulahlekelwa Imali? Izinyathelo Zakho Ezihlakaniphe Kakhulu Zezezimali Zikajanuwari 2026

Njengoba i-SASSA Gold Card isivele iphelile ngo-2026, izigidi zabantu ziphoqelekile ukungena ohlelweni lwamabhange olusemthethweni, zibhekana nezingozi ezintsha. Lo mhlahlandlela udalula izingibe zezimali ezivamile—kusukela emalimbolekweni ezidlayo kuya kuma-akhawunti anezimali ezinkulu—aqondise abamukeli bezibonelelo, futhi unikeza imephu ecacile yezinketho ezihlakaniphe kakhulu, ezingabizi kakhulu ukuvikela nokukhulisa imali yakho yesibonelelo ngoJanuwari 2026.

Isimo Esisha sikaJanuwari 2026: Isibonelelo Sakho, Okuhloswe Kubona

Siyakwamukela kuJanuwari 2026. Isikhathi se-SASSA Gold Card, eyayiphathwa yiPostbank, siphelile ngokusemthethweni. Nakuba uhulumeni wathembisa ushintsho olushelelayo, iqiniso lezigidi zabantu liwukudideka nokuba sengcupheni. Niphushelwe olwandle olukhulu lokubhenka kwezohwebo, futhi asikhulume iqiniso: amabhange, ababolekisi, nabashwalensi babona isibonelelo sakho sanyanga zonke njengomthombo wemali oqinisekisiwe abafuna ukuba nesabelo kuwo. Lokhu akukhona nje ukuthola ikhadi elisha; kumayelana nokuhamba ohlelweni oluklanyelwe ukukhipha izimali zokukhokha nokukudayisela imikhiqizo ongase ungayidingi. Impi ye-R350 yakho (noma ngaphezulu, kuye ngesibonelelo sakho) isiqalile, futhi uma ungaqapheli, ingxenye enkulu yemali yakho inganyamalala ngisho ungakayisebenzisi.

Izindleko Ezifihlekile: Indlela Isibonelelo Sakho Se-R350 Esincipha Ngayo Phambi Kwamehlo Akho

Leyo mali yesibonelelo ifika ku-akhawunti yakho, bese uphefumula kancane. Kodwa ingakanani ngempela oyithathayo uyigoduke? Uhlelo olusha lokubhenka luletha ugibe lokudonswa kwezimali okuncane okuhlanganayo kuze kube ukulahlekelwa okukhulu.

• Izimali Zanyanga Zonke Ze-Akhawunti (Monthly Account Fees): Amanye ama-akhawunti asebhange akhokhisa ‘imali yokugcina’ yanyanga zonke noma ngabe yi-R10 kuya ku-R50. Lokho kuyingxenye enkulu yesibonelelo se-R350.
• Izimali Zokukhipha Imali (Withdrawal Fees): Njalo uma ukhipha imali, kuyakubiza. Ukukhipha i-R100 kungase kukubize i-R8 kwenye i-ATM kanye ne-R15 kwenye. Ukukhipha imali okuncane kane kungakubiza ama-R40 noma ngaphezulu ezimalini kuphela.
• Izimali ‘Zokwenqaba’ (Decline Fees): Uzamile ukuthenga okuthile kodwa imali ibinganele? Amanye amabhange akukhokhisa imali ngalowo msebenzi ohlulekile.
• Ama-Debit Orders Angagunyaziwe: Ugibe oluyingozi kakhulu. Ababolekisi abanolunya nezinkampani ezingathembekile bangakuthola usayinele izinsizakalo (njengesikhathi somoya noma ugesi) ezidonsa imali ku-akhawunti yakho ngokuzenzakalelayo, ngokuvamela ngaphandle kokuqonda kwakho okugcwele.

Masinyane, isibonelelo sakho se-R350 siba yi-R280. Lokhu akuyona ingozi; kuyimodeli yebhizinisi. Sizokukhombisa ukuthi ungavimbela kanjani.

DULULIWE: Izingibe Ezi-3 Ezinkulu Zezimali Ezikuqondile Ngo-2026

Izilwane ezidlayo zezimali zihlakaniphe kakhulu ngo-2026. Ziyazi ukuthi ukhokhelwa nini futhi ziyazi ukuthi uvame ukudinga kakhulu. Nayi izingibe ezintathu ezinkulu okufanele uzibheke:

• UMashonisa ‘Onobungane’ (The ‘Friendly’ Loan Shark): Banikeza imali esheshayo ngaphandle kwamaphepha, ngokuvamile eduze kwezindawo zokukhokha noma ku-WhatsApp. Ingabe ikhona inkinga? Inzalo isemthethweni futhi iphezulu ngokwedlulele. Imalimboleko ye-R500 ingaba yisikweletu se-R1,500 ngenyanga eyodwa. Bavame ukucela ikhadi lakho lasebhange ne-PIN njengokuvikela,’ bekhupha imali ku-akhawunti yakho ngokushesha nje lapho isibonelelo sakho sifika. Abangewona abangani bakho; bangabaphula umthetho abazuza kule nkinga yakho.
• Inqubomgomo Yomngcwabo Enomfutho Omkhulu (The High-Pressure Funeral Policy): Ukungcwaba ngesizotha kubalulekile kuwo wonke umuntu, futhi abathengisi bayakwazi lokhu. Bazosebenzisa ingcindezi engokomzwelo ukuze bakudayisele izinqubomgomo zomngcwabo ezibizayo ezinemali ekhokhelwayo engu-R150-R300 ngenyanga. Kubamukeli abaningi bezibonelelo, lokhu akukhokheleki neze futhi kushiya imali encane yokudla nezidingo. Kunezinye izindlela ezishibhile, eziphumelela kakhulu uma wazi ukuthi uzifunaphi.
• Ikhadi Lesitolo ‘Elilula’ (The ‘Easy’ Store Card): Abathengisi benza kube lula kakhulu ukuthola ikhadi lesitolo. Kuzwakala njengemali yamahhala kuze kufike isitatimende sokuqala. Ngenzalo evame ukudlula u-25%, lokho kuthenga kwegrosa kwe-R400 kungasheshe kube yisikweletu se-R1000 noma ngaphezulu uma ukhokha nje okuncane. Ziklanyelwe ukukugcina emjikelezulweni wesikweletu.

Isihlangu Sakho Sokubhenka: Ama-Akhawunti Asebhange Angabizi Kakhulu ka-2026 Ezibonelelo Ze-SASSA

Ukukhetha i-akhawunti yasebhange efanele ukuvikela kwakho okubaluleke kakhulu. Udinga i-akhawunti enezindleko ezincane ezivikela imali yakho. Nalu uqhathaniso lwabaphikisana abaphezulu ngoJanuwari 2026. Yenza ucwaningo lwakho njengoba izimali zingashintsha, kodwa nansi inkomba jikelele:| Bank | Typical Monthly Fee (Approx.) | Key Benefit for Grant Recipients ||—|—|—|| TymeBank | R0 | Azikho izimali zanyanga zonke. Ukukhipha imali kushibhile kwaPick n Pay noma kwaBoxer. || Capitec | ~R7 | Izimali eziphansi, i-app enhle, kanye ne-‘PayShap’ yokukhokha okusheshayo. || FNB Easy Zero | R0 | Ayikho imali yanyanga zonke, kodwa ukukhipha imali kuma-ATM amanye amabhange kungabiza. || Standard Bank MyMo | ~R6.95 | Ibhange elimisiwe elinenethiwekhi enkulu yama-ATM. ||Isinqumo Sethu: Kubamukeli abaningi be-SRD R350, i-TymeBank ne-Capitec kunikeza inhlanganisela engcono kakhulu yezimali eziphansi nokufinyeleleka. Ziklanyelwe inkathi yedijithali futhi zinezindleko ezincane zamagugu ezithwalisa kanzima amabhange amadala. Umgomo wakho uwukugcina imali yesibonelelo sakho eningi ngangokunokwenzeka, futhi lokho kuqala ngokunciphisa izindleko zasebhange.

Umhlahlandlela Wesinyathelo Ngesinyathelo: Indlela Yokushintsha Ukukhokhelwa Kwe-SASSA Ku-Akhawunti Yakho Entsha YaseBhange

Uma usuyikhethile i-akhawunti yakho entsha, engabizi kakhulu, kufanele wazise i-SASSA. Kubalulekile ukuthi uzenzele lokhu ukuze uvimbele ukukhwabanisa. Unganiki imininingwane yakho kunoma ubani othembisa ukukwenzela lokhu.

1. Lungisa Amadokhumenti Akho: Uzodinga inombolo yakho kamazisi (ID) yaseNingizimu Afrika enamadijithi angu-13 kanye nenombolo yocingo oluhambayo oyisebenzise esicelweni sakho. Okubaluleke kakhulu, udinga ubufakazi be-akhawunti yakho entsha yasebhange. Lokhu kungaba isitatimende sasebhange noma incwadi evela ebhange, ekhombisa ngokucacile igama lakho nenombolo ye-akhawunti.
2. Yiya Kuwebhusayithi Esemthethweni Ye-SASSA: Vakashela iwebhusayithi esemthethweni ye-SASSA SRD. Bheka inketho ethi ‘How do I change my banking details’.
3. Landela Isixhumanisi Esivikelekile: Uzocelwa ukuthi ufake inombolo yakho kamazisi. I-SMS enesixhumanisi esivikelekile, esiyingqayizivele kuwe, izothunyelwa kwinombolo yakho yeselula ebhalisiwe.
4. Chofa Isixhumanisi Bese Ufaka Imininingwane: Vula isixhumanisi ku-SMS bese ulandela ngokucophelela imiyalelo. Uzocelwa ukuthi ufake imininingwane yakho ye-akhawunti yasebhange entsha (Igama Lebhange, Inombolo Ye-Akhawunti, Ikhodi Legatsha). Hlola kabili ukuthi idijithi ngayinye ilungile.
5. Linda Ukuqinisekiswa: I-SASSA izothatha isikhathi ukuqinisekisa imininingwane yakho entsha yokubhenka. Lokhu kungathatha izinsuku ezimbalwa. Kungcono ukwenza lokhu ngokushesha ngemuva kokuthi uthole inkokhelo, hhayi nje ngaphambi kokuba sekufanele elandelayo. Ungaqapha isimo sesicelo sakho usebenzisa ithuluzi le- SRD Status Check tool.

Isexwayiso: Le nqubo ingahamba kancane. Yiba nesineke futhi ungalokothi wabelane ngaleso sixhumanisi se-SMS esivikelekile nanoma ubani.

Inkinga Yesembozo Somngcwabo: Ukuvikela Okudingekayo Noma Ugibe Olubizayo?

Isembozo somngcwabo asisibi ngendalo, kodwa indlela esidayiswa ngayo kubamukeli bezibonelelo ngokuvamile imbi. Akufanele neze uzizwe ucindezelwe kwinqubomgomo ethatha u-40% wesibonelelo sakho sanyanga zonke. Imibuzo Ehlakaniphile Ongayibuza Ngaphambi Kokusayina Okuthile:

• Ingakanani imali ekhokhelwayo yanyanga zonke isiyonke? Thola inani lokugcina leRand.
• Siyini isikhathi sokulinda? Izinqubomgomo eziningi zinesikhathi sokulinda sokufa ngezizathu zemvelo (isib., izinyanga ezingu-6). Uvame ukumbozwa kuphela ukufa ngengozi ngokushesha.
• Ubani ngempela omboziwe? Ingabe uwena nje, noma umngane wakho womshado nezingane? Kubiza malini ukwengeza abantu?
• Ngingathola isivumelwano esingcono? Thengezela! Ungasayini nomuntu wokuqala ohlangana naye. Cela izingcaphuno kubahlinzeki abathembekile abathathu okungenani.

Umtsetho Ojwayelekile ka-2026: Inqubomgomo yomngcwabo efanelekayo yomamukeli oyedwa wesibonelelo akufanele ibize ngaphezu kwe-R80-R120 ngenyanga. Uma ucelwa imali enkulu, cishe ukhokhiswa ngaphezulu.

Inselelo Yokulondoloza Imali Engu-R50: Indlela Yokwakha Isihlalo Sezezimali, Kancane Kancane

Ukulondoloza imali ngesibonelelo kubonakala kungenakwenzeka, kodwa ukwakha ngisho nesikhwama esincane sezimo eziphuthumayo kungashintsha impilo. Kuwumehluko phakathi kokuba sengcupheni kumashonisa nokukwazi ukubhekana nenkinga encane uwedwa. Nalu uhlelo olungokoqobo:

1. Yenza Izenzekele: Sebenzisa i-app yakho entsha yasebhange ukuze usethe ukudluliselwa okuzenzakalelayo kwe-R50 kuphela ephaketheni lokulondoloza ngosuku isibonelelo sakho esifika ngalo. Ungazenzi ithuba lokuyisebenzisa.
2. Sebenzisa Izici Zokuhlanganisa Phezulu (‘Round-Up’): Amanye amabhange, njenge-FNB, anezici ezihlanganisa ukuthenga kwakho kuye kwiRand eliseduze bese elondoloza umehluko. Kuyindlela engabuhlungu yokulondoloza imali encane njalo uma uswayipha ikhadi lakho.
3. Joyina I-Stokvel Ethembekile: AmaStokvels ayindlela enamandla, evamile yokuthi imiphakathi ilondoloze ndawonye. Joyina eyodwa nabantu obaziyo futhi obathembayo, lapho imithetho icacile.

Ngemuva konyaka owodwa, ukulondoloza i-R50 kuphela ngenyanga kukunika i-R600. Lokho kungase kungabonakali njengenhlanhla, kodwa i-R600 onayo esimweni esiphuthumayo, ngaphandle kokungena esikweletini. Kuwumandla wezezimali.

Izimpawu Zokuxwayisa: Indlela Yokubona Isilwane Esidla Imali Ngo-2026

Abakhwabanisi nababolekisi abanolunya bathembele ekutheni udangele futhi ungenalo ulwazi. Nazi izimpawu zokuxwayisa okufanele uzibheke:

• Bathembisa ‘ukugunyazwa okusheshayo’ kwemali mboleko ngaphandle kokuhlolwa kwesikweletu.
• Bacela incwadi yakho kamazisi, ikhadi le-SASSA, noma i-PIN yasebhange njengokuvikela.’ UNGALOKOTHI unikeze noma ubani lokhu.
• Bakujaha ukusayina amadokhumenti ongenaso isikhathi sokuwafunda.
• ‘Ihhotela’ labo liyikhona lomgwaqo, umyalezo we-WhatsApp, noma ikhasi lezinkundla zokuxhumana elingelona olusemthethweni.
• Abanayo inombolo ye-FSP (Financial Services Provider) ebhalisiwe.

Themba umuzwa wakho. Uma isivumelwano sizwakala singcono kakhulu ukuba siqine, noma uma uzizwa ucindezelwe, hamba ngokushesha. Ukuphepha kwakho kwezezimali kubaluleke kakhulu kunanoma iyiphi ukunikezwa ‘kwemali esheshayo’.

Umbono: I-SASSA Nohulumeni Bayehluleka Ukuvikela Abasengozini

Ukufaka izigidi zezakhamuzi zaseNingizimu Afrika ezisengozini kakhulu ohlelweni lwamabhange oluthengisayo ngaphandle komkhankaso omkhulu, ohambisana nowokufundisa ngezezimali kuwukungenzi kahle. Kufana nokufundisa umuntu ukubhukuda ngokumphushela engxenyeni ejulile. I-SASSA kanye noMnyango Wezokuthuthukiswa Komphakathi banesibopho sokuziphatha sokwenza okungaphezu kokusabalalisa imali. Kufanele basebenze ngokuzikhandla namabhange ukuze baqinisekise izindleko eziphezulu zama-akhawunti esibonelelo, baqhube imikhankaso yokudalula amashonisa, futhi banikeze imfundo efinyelelekayo mayelana nokubhajetha nesikweletu. Ukudlulisela nje isibopho sokukhokha emabhange ezohwebo bese begeza izandla zabo ngemiphumela akwanele. Lolu shintsho lwenqubomgomo, ngaphandle kwezivikelo ezifanele, lubeka engcupheni yokucebisa izikhungo zezimali nezilwane ezidlayo ngokubiza kakhulu abampofu. Sidinga isenzo, hhayi nje indlela entsha yokukhokha. Ukuze uthole izibuyekezo zokuthi izinkokhelo zikhishwa nini, okuyisikhathi esibucayi kakhulu kubamukeli, hlola njalo ishejuli esemthethweni ye- SASSA Payment Dates schedule.

Uhlu Lwakho Lokuhlola Lokuzivikela Kwezezimali LwangoJanuwari 2026

Lawula imali yesibonelelo sakho namuhla. Nali uhlelo lwakho lokwenza:

• Buyekeza I-Akhawunti Yakho YaseBhange: Ngena ku-app yakho noma thola isitatimende esincane. Ingabe ubona noma yiziphi izimali ongaziqondi? Uma izimali zakho zanyanga zonke zingaphezu kwe-R10, shintshela kunketho eshibhile.
• Vikela I-PIN Yakho: I-PIN yakho iyimfihlo yakho. Yiphathe njengemali. Khava isandla sakho lapho uyifaka ku-ATM noma endaweni yokukhokha.
• Hlola Ama-Debit Orders Akho: Thola uhlu lwazo zonke izicelo ze-debit order ku-akhawunti yakho. Uma ubona eyodwa ongayazi noma ufuna ukuyikhansela, yiya egatsheni lakho lasebhange bese ugcwalisa ifomu lokuphikisana ngokushesha.
• Yisho CHA Engcindezini: Kungakhathaliseki ukuthi iyimalimboleko, inkontileka yocingo, noma inqubomgomo yomshuwalense, ungalokothi ubhalisele okuthile ngaso leso sikhathi. Njalo yisho, “Ngidinga ukucabanga ngakho futhi ngizobuyela kuwe."
• Bika Ukukhwabanisa: Uma uqondiswe ngumashonisa noma umkhwabanisi, babike kuPhoyisa LaseNingizimu Afrika (SAPS) nakuMlawuli Wesikweletu Kazwelonke (NCR).

Uma isicelo sakho sesibonelelo senqatshelwe ngokungafanele futhi ulwa nokubhekana nezinkinga zezimali, khumbula ukuthi unelungelo lokuphikisa isinqumo. Landela uMqulu wethu SASSA Appeals Guide ukuze uqonde inqubo.

FAQs

Ibhange elingcono kakhulu kunalo lonke lezibonelelo ze-SASSA ngo-2026?

Nakuba kungekho bhange elilodwa ’elingcono kakhulu’ kuwo wonke umuntu, i-TymeBank ne-Capitec zivame ukukalwa phezulu kubamukeli be-SASSA ngenxa yezimali zabo eziphansi kakhulu (noma eziyiziro) zanyanga zonke namapulatifomu asebhange afinyelelekayo. Ukhiye uwukukhetha i-akhawunti ekhokhisa kancane ngezinsizakalo ozisebenzisa kakhulu, njengokukhipha imali.

Ngikwazi yini ukusebenzisa i-SASSA Gold Card endala ngoJanuwari 2026?

Cha. Ngokwezimemezelo ezisemthethweni, i-SASSA Gold Cards ebinenhloso yokuphelelwa yisikhathi isiphelile. Kufanele ukhokhelwe isibonelelo sakho ku-akhawunti yasebhange ethengisayo. Uma ungakashintshi okwamanje, kufanele ukwenze ngokushesha ngewebhusayithi esemthethweni ye-SASSA ukuze uvimbele ukuphazamiseka kokukhokha.

Ngathatha imali mboleko kumashonisa futhi banekhadi lami lasebhange. Ngenzenjani?

Lesi yisimo esiyingozi. Okokuqala, yiya egatsheni lakho lasebhange ngokushesha bese ubika ikhadi lakho njengelibiwe. Bazovimba ikhadi elidala bese bakukhiphela elisha. Lokhu kuzovimbela umashonisa ukuthi afinyelele inkokhelo yakho yesibonelelo elandelayo. Okwesibili, bika umashonisa kuPhoyisa lendawo (SAPS). Ukunikeza ikhadi lakho akukho emthethweni, kodwa abakwenzayo kuyicala elibi kakhulu.

Ngingakuvimba kanjani ukudonswa kwemali okungekho emthethweni ukuthi kungathathi imali yesibonelelo sami?

Yiya egatsheni lakho lasebhange nencwadi yakho kamazisi (ID). Cela ukuphrinta wonke ama-debit orders ku-akhawunti yakho. Kunoma iyiphi ongayazi noma ongayigunyazanga, ungagcwalisa ifomu lokuphikisana ukuze ibuyiselwe futhi ivinjwe. Leli yilungelo lakho njengomthengi.

Kuphephile yini ukuthi isibonelelo sami sikhokhelwe ebhange ledijithali kuphela njenge-TymeBank?

Yebo, kuphephe kakhulu. Amabhange edijithali njenge-TymeBank alawulwa iziphathimandla ezifanayo namabhange ajwayelekile njenge-FNB noma i-Standard Bank. Angemthethweni ngokuphelele futhi ngokuvamile anikeza izici ezingcono zokuvikela ngezinhlelo zabo zokusebenza zeselula (mobile apps). Ukubambisana kwabo nabathengisi abanjengoPick n Pay noBoxer kwenza ukukhipha imali kube lula futhi kube nokwethenjelwa.

Ngingathola imali mboleko ebhange elifanele uma ngithola kuphela isibonelelo se-SASSA?

Kunzima kakhulu. Amabhange amakhulu amaningi awakubheki isibonelelo somphakathi njengemali engenayo esemthethweni ngenjongo yokunikeza imali mboleko yomuntu siqu. Lokhu ukuvikela wena nebhange, njengoba inani lesibonelelo lincane futhi lihloselwe ukusinda okuyisisekelo. Qaphela kakhulu noma iyiphi inkampani enikeza imali mboleko enkulu esekelwe kuphela emalini yakho yesibonelelo; ngokuvamile bangababolekisi abanolunya abanezindinganiso eziphakeme kakhulu zenzalo.

Iyiphi indlela eshibhe kakhulu yokukhipha imali yami ye-SASSA?

Indlela eshibhe kakhulu ngokuvamile iwukukhipha imali endaweni yokukhokha yesitolo esikhulu (njenge-Pick n Pay, i-Shoprite, i-Checkers, i-Boxer). Lokhu ngokuvamile kushibhe kakhulu kunokusebenzisa i-ATM yelinye ibhange. Hlola uhlaka lwezimali zebhange lakho, kodwa njengomthetho jikelele, gwema ama-ATM amile wodwa ezindaweni zokuphuza noma ezitolo ezincane, njengoba ngokuvamile zinezinye izimali eziphakeme kakhulu.

Isibonelelo sami sagunyazwa kodwa imali ayikho ku-akhawunti yami entsha yasebhange. Yini engalungile?

Kungaba khona ukubambezeleka kwenkokhelo yokuqala ngemuva kokuthi ushintshe imininingwane yakho yasebhange. Okokuqala, sebenzisa i-SRD Status Check ukuze uqinisekise ukuthi inkokhelo yacutshungulwa yi-SASSA. Uma kwaba njalo, kodwa ingekho ku-akhawunti yakho ngemva kwezinsuku ezingu-2-3, kufanele uxhumane ngqo ne-SASSA. Kungaba inkinga ngenqubo yokuqinisekisa ibhange engathatha umjikelezo owodwa wenkokhelo ukuyixazulula.