Kungani Isibonelelo Sakho Esingu-R350 Sinyamalala: Iqiniso Ngama-akhawunti Asebhange e-SASSA Nemali Ebolekiwe ngo-2025

Ucwaningo olunzulu lwango-2025 olumayelana nezimali ezifihliwe zasebhange, imali ebolekayo eyingozi, nama-debit order angafanele ahlosise abahlomuli besibonelelo se-SASSA. Thola ukuthi kungani imali yakho yesibonelelo inyamalala futhi ufunde izinyathelo ezibalulekile zokuvikela yonke iRand oyitholayo ngoZibandlela (December) 2025 nangaphezulu.

Ubuhlungu Besibonelelo Esiphelayo: Iqiniso LangoZibandlela 2025

Ingabe ungumhlomuli wesibonelelo se-SASSA othola ukuthi imali yakho ka-R350 noma esinye isibonelelo inyamalala ngokushesha kunokuba ifike? Awuwedwa. Lo mhlahlandlela wango-2025 udalula uhlangothi olumnyama lwezimpahla zezezimali ’ezithanda i-SASSA’, kusukela kuma-akhawunti asebhange anezimali ezifihliwe kuya kosomabhebhana ababolekisa ngenzalo enkulu kanye nama-debit order angafanele omshuwalense wokungcwaba nemali yokukhuluma. Siveza iqiniso futhi sinikeze uhlelo olunzulu lokuvikela isibonelelo sakho, ukumisa ukulahleka kwemali, nokubuyisa ukulawula kwezimali zakho.

Inganekwane Ye-akhawunti Yasebhange Ye-SASSA ‘Yamahhala’

Amabhange amaketha kakhulu ama-akhawunti ‘asheshayo’ noma ‘athanda i-SASSA’. Athembisa ukuthi azikho izimali zanyanga zonke, kodwa inkinga ilele emininingwaneni. Iqiniso liwukuthi, la ma-akhawunti avame ukuba yindawo egcwele izimali ezigijimisa labo abafuna ukubasiza. Izimali Ezifihliwe Ezivamile ngo-2025:

Izimali Zokukhipha (Withdrawal Fees): Ngenkathi ukukhipha kwakho kokuqala kungaba mahhala kuma-ATM alelo bhange, ukukhipha okulandelayo noma ukusebenzisa i-ATM yelinye ibhange kungakubiza kusuka ku-R7 kuya ku-R25 ngokwenziwa. Ukukhipha kabili nje kungakudla u-R50 wesibonelelo sakho sika-R350.
Izimali Zokwenqatshwa (Decline Fees): Awunayo imali eyanele ye-debit order noma yokuswayipha? Ibhange likukhokhisa ‘imali yokujezisa’ ngokwenziwa okuhlulekile, imvamisa cishe u-R8.50. Ulahlekelwa yimali ngoba ungenayo imali.
Izimali Zesitatimende: Udinga isitatimende esiprintiwe? Lokho kuzokubiza. Ukubheka ibhalansi yakho ku-ATM? Lena enye imali.
Izimali Zokufaka Imali (Cash Deposit Fees): Uma ilungu lomndeni lifaka imali ku-akhawunti yakho, ibhange lithatha iphesenti. Lena yimali ekhokhwa ngisho ungakayisebenzisi imali.

Umgibe Womboleki Wemali: Ukuthi ‘Imali Esheshayo’ Idala Kanjani Ijele Lesikweletu

Lapho imali yesibonelelo iphela, kuqala ukuphelelwa ithemba. Yilapho osomabhebhana nababolekisa ngemali abayingozi, bobabili abasemthethweni nabangemthetho, bafinyelela khona. Bathumela ama-SMS, bakhangise emabhodini omphakathi, bathembise ‘imali esheshayo’ ’ngaphandle kokubheka umlando wesikweletu’ ikakhulukazi kubahlomuli be-SASSA. Bakwenza kube lula ukuthola imali ebolekiwe, kodwa kube nzima ukuphuma esikweletini.

Nasi isimo sabo esiyingozi:

Inzalo Ephakeme Kakhulu: Bakhokhisa inzalo ephakeme kakhulu, edlula kude imikhawulo esemthethweni ebekwe yi-National Credit Regulator. Imali ebolekiwe ka-R300 ingadinga kalula ukubuyiswa kuka-R450 ngenyanga elandelayo.
Bathatha Ikhadi Lakho: Abaningi bafuna ukuthi unikeze ikhadi lakho le-SASSA ne-PIN ’njengesibambiso’. Lokhu kubanika amandla aphelele. Ngosuku lokukhokha, bayayikhipha imali yabo (futhi imvamisa ‘izimali’ ezengeziwe) ngaphambi kokuba ukwazi ukufinyelela izimali zakho.
Ujikelezo Lwesikweletu: Ngenxa yokuthi ukubuyiswa kuthatha ingxenye enkulu yesibonelelo sakho esilandelayo, uphoqeleka ukuthi ubophe enye imali ebolekiwe ukuze nje usinde, okukubamba emjikelezweni wesikweletu ongeke wakwazi ukuphuma kuwo. Lokhu akusona isandla sokusiza; kuwubugqila bezezimali.

Amasela Athule: Ukwembula Ama-Debit Order Angagunyaziwe

Lena yinkinga ecasula kakhulu. Ama-debit order angaqondakali ’ezinsizakalo’ ongazange uvumelane nazo ngokwazi. Izimbangela ezivame kakhulu yilezi:

Umshuwalense Wokungcwaba (Funeral Cover): Ngenkathi ukuba nomshuwalense wokungcwaba kuhle, izinkampani eziningi zisebenzisa amaqhinga okukhohlisa ukuze zibhalise abahlomuli besibonelelo. ‘Ukucela ukungishayela’ okulula noma ukuphendula ‘YEBO’ ku-SMS edidayo kungaguqulwa kube isivumelwano esibophayo. Ngokuphazima kweso, u-R50-R100 uyadonswa njalo ngenyanga.
Okubhaliselwe Kwemali Yokukhuluma Nedatha: Lezi zivame ukufakwa nezinye izinsizakalo noma zifihlwe emigomeni nemibandela. Ukudonswa okuncane, kwansuku zonke kuka-R2 noma u-R5 kungahamba kungabonakali kodwa kudle ibhalansi yakho ngokushesha.
Izinsizakalo ‘Ezinomthelela’ (Value-Added Services): Lezi zingaba yinoma yini kusukela ezinsizakalweni zamakhuphoni kuya ezinhlelweni zokwelulekwa ngezomthetho ezingabazekayo, konke kudonsa imali encane eba yiningi ngokuhamba kwesikhathi.

Lezi zinkampani zidla izinsizwa ezihluphekile, zazi ukuthi inqubo yokuphikisa nokubuyisa lawa ma-debit order ivame ukuba yinkimbinkimbi futhi iyesabisa.

Amakhadi Ezitolo: Ingabe Leso Sikweletu Sokudla Sikufanele Ngempela?

Abathengisi abakhulu manje bangabadlali abasemqoka ezimpilweni zezezimali zabahlomuli besibonelelo. Banikeza amakhadi ezitolo khona lapho, bethembisa ukuthi ungathenga ukudla namuhla bese ukhokha ngosuku lwesibonelelo sakho esilandelayo. Ngenkathi lokhu kuzwakala kusiza, kuyimodeli yebhizinisi eklanyelwe ukudala ukwethembela nesikweletu.

Izingozi:

Inzalo Ephakeme: Isikweletu sesitolo sivame ukuza nenzalo ephakeme. Uma ungakwazi ukukhokha ibhalansi egcwele, inani okufanele ulikhokhe likhula ngokushesha.
Izimali Zokuqalisa Nezokuphatha: Kuvame ukuba nezimali zokuphatha zanyanga zonke nezokuqalisa kanye kanye ezifakwa ebhalansi yakho.
Ukusebenzisa Kakhulu: Kukhuthaza ukusebenzisa imali ongenayo. Isibonelelo sika-R350 esezinto ezibalulekile zokusinda, kodwa ikhadi lesitolo lingakuheha ukuthi uthenge izinto ezingabalulekile, okwenza umgodi omkhulu wezezimali.

Uhlelo Lwakho Lokuvikela I-SASSA lwango-2025: Ungalwa Kanjani Futhi Ugcine Imali Yakho

Awunakuphikwa amandla. Sekuyisikhathi sokulawula imali yakho yesibonelelo. Nansi izinyathelo OKUFANELE uzithathe ngo-2025:

1. Khetha I-akhawunti Yasebhange Efanele:

I-Postbank: I-akhawunti ye-Postbank SASSA/Post Office ngokuvamile iyona elula kakhulu futhi inezindleko ezimbalwa kakhulu. Iklanyelwe ngokukhethekile ukukhokhwa kwezibonelelo.
Qhathanisa Ama-akhawunti Asheshayo: Qhathanisa ngokucophelela ama-akhawunti avela emabhange afana ne-Capitec, i-TymeBank, namanye. Cela uhlu olugcwele lwezimali ngokubhaliwe. Buza ngokucacile: ‘Kubiza malini ukukhipha u-R350 endaweni yokukhokha ye-Shoprite?’ ‘Iyini imali uma i-debit order ihluleka?’

2. Hlola Isitatimende Sakho Sasebhange:

Thola isitatimende njalo ngenyanga. Sihlole umugqa nomugqa. Buza ngaso sonke isikhathi sokudonswa ongasazi.

3. Indlela Yokumisa Ama-Debit Order Angagunyaziwe (i-DebiCheck):

Ngenxa yesistimu ye-DebiCheck, manje kufanele ugunyaze ngokwe-elektroniki noma yimaphi ama-debit order amasha. UNGAFUNI ukugunyaza noma yini ongaqiniseki ngayo.
Ukuze uthole ama-debit order amadala, angafanele, yiya egatsheni lebhange lakho ngokushesha. Batshele ukuthi ufuna ukuphikisa futhi ubuyise i-debit order. Bayadingeka ngokomthetho ukuthi bakusize.
Ungabika futhi inkampani ku-Payments Association of South Africa (PASA).

4. UNGANIKELI NGEkhadi Lakho Le-SASSA Noma I-PIN Kunoma Ubani:

Ikhadi lakho ne-PIN kuyizihluthulelo zakho. Ungaziniki osomabhebhana, abanikazi bezitolo, noma amalungu omndeni. Unesibopho sanoma yikuphi okwenziwayo ngazo.

5. Yisho CHA Esikweletini Esilula:

Gwema osomabhebhana nganoma yizindleko. Uma udinga imali ebolekiwe encane, khuluma nezikhungo ezibhalisiwe ze-microfinance futhi ucele ukubona isitifiketi sabo sokubhaliswa ne-National Credit Regulator (NCR). Uma ukholwa ukuthi uphathwe kabi enqubweni yakho yokufaka isicelo, ungase ucabange izinyathelo ezichazwe ku-SASSA Appeals Guide.

6. Dala Isabelomali Esilula:

Ngokushesha lapho isibonelelo sakho sifika, bhala izinto zakho ezibalulekile: ukudla, ezokuthutha, ugesi. Hlukanisa imali yalezi kuqala ngaphambi kwanoma yini enye. Ukwazi ukuthi imali yakho kufanele iye kuphi yisinyathelo sokuqala sokuyilawula.

Ukuhlaziya Kwethu: Ingabe I-SASSA Yenza Okwanele Ukuvikela Abahlomuli?

Ngenkathi indima eyinhloko ye-SASSA kungukusabalalisa izibonelelo, siphikisa ngokuthi isibopho sabo asipheli uma imali isishiya i-akhawunti yabo. Le ejensi iyazi ngokuxhashazwa okukhulu kwabahlomuli. Ngokombono wethu, kudingeka kwenziwe okwengeziwe ngo-2025. I-SASSA kufanele isebenzise imikhankaso eqhubekayo yezemfundo ngezezimali, izingozi zosomabhebhana, nendlela yokubona nokumisa ama-debit order angafanele. Kufanele basebenze ngokubambisana ne-NCR kanye no-Banking Ombudsman ukuze benze inqubo yokuphikisa ibe lula kubahlomuli besibonelelo. Ukumane utshele abantu ukuthi ‘baqaphele’ akwanele. Isistimu ivumela lokhu kuxhashazwa ukuthi kuchume, futhi isistimu kufanele ilungiswe. Kungukuhluleka kokuvikela abathengi bamalungu omphakathi asengozini kakhulu.

Isiphetho: Isibonelelo Sakho Siyintambo Yakho Yokuxhasa - Sivikele

Isibonelelo sakho somphakathi siwulungelo, hhayi ilungelo elincane. Kuyisibopho sikahulumeni empilweni yakho. Ukuvumela ukuthi sidliwe yizimali ezifihliwe nemikhuba eyingozi kubulala inhloso yaso. NgoZibandlela 2025, yenza isinqumo sokuba umvikeli wesibonelelo sakho. Buza yonke imali, yenqaba okunikezwayo okusolisayo, futhi ubike ukungaziphathi kahle. Ukusinda kwakho kwezezimali kuncike kukho.

FAQs

Iyiphi ibhange elingcono kakhulu futhi elishibhe kakhulu lesibonelelo sami se-SASSA ngo-2025?

Alikho ibhange elilodwa ’elingcono kakhulu’, kodwa i-akhawunti ye-Postbank yakhelwe ngokukhethekile izibonelelo ze-SASSA futhi ngokuvamile inezimali ezincane. Ukuze uthole amabhange ezentengiselwano, i-TymeBank ne-akhawunti ye-Capitec’s Global One yizinketho ezidumile ezishibhile. Kodwa, KUFANELE ucele uhlelo lwezimali olunemininingwane futhi uziqhathanise ngokusekelwe ekutheni usebenzisa kanjani i-akhawunti yakho (isb. ukukhipha ezindaweni zokukhokha vs. kuma-ATM).

Ngingathola imali ebolekiwe uma ngithola isibonelelo se-SASSA?

Yebo, ungathola, kodwa kufanele uqaphele kakhulu. Abahlinzeki bezikweletu ababhalisiwe bavunyelwe ukukunikeza imali ebolekiwe, kodwa kufanele benze ukuhlola ukuthi ungakwazi yini ukukhokha. Gwema noma imuphi umboleki othembisa ‘ukungabi namaphepha’ noma ocela ikhadi lakho le-SASSA ne-PIN. Lokhu akukho emthethweni futhi kuwuphawu losomabhebhana abayingozi.

Ngingakuvimba kanjani ukuba umshuwalense wokungcwaba udonse imali ku-akhawunti yami?

Yiya ebhange lakho ngokushesha. Batshele ukuthi ufuna ukuphikisa futhi umise i-debit order. Unelungelo lokwenza lokhu. Kufanele futhi uxhumane nenkampani yomshuwalense ngqo ukuze ukhansele inqubomgomo ngokubhaliwe. Uma benqaba, babike ku-Ombudsman for Long-term Insurance.

Ngibone ukudonswa esitatimendeni sami okubizwa nge-‘NAEDO’. Kuyini lokhu?

I-NAEDO (Non-authenticated Early Debit Order) luhlobo lwe-debit order olucutshungulwa ekuseni kakhulu. Lezi zivame ukusetshenziselwa izinto ezinjengokukhokha imali ebolekiwe kanye nemali yomshuwalense. Uma ubona ukudonswa kwe-NAEDO ongasazi, kungase kungagunyazwanga. Phikisa lokho ebhange lakho ngokushesha.

Kungani i-ATM ingikhokhise u-R10 ukuze ngikhiphe imali yami ye-SASSA?

Amabhange anezinhlaka ezahlukene zezimali. Ibhange lakho lingase linikeze ukukhipha okukodwa kwamahhala ku-ATM yalo, kodwa likukhokhise ngokusebenzisa i-ATM yelininyebhange (i-SASSA Pay Point) noma indawo yokukhokha yomthengisi. Ngaso sonke isikhathi zama ukusebenzisa i-ATM yebhange lakho noma uqonde uhlaka lwezimali ‘zokubuyiswa kwemali’ ezitolo ezinkulu, okuvame ukushibha.

Omunye ungiphe imali manje uma ngibanika ikhadi lami le-SASSA. Ingabe lona umqondo omuhle?

Cha, lokhu kuyisenzo esiyingozi kakhulu futhi esingekho emthethweni. Lo muntu ungusomabhebhana ozothatha ukulawula kwesibonelelo sakho. Uzokhipha imali yakho ngosuku lokukhokha, athathe ukukhokha kwakhe okukhulu, futhi akushiye nemali encane kakhulu. UNGANIKELI neze ikhadi lakho noma i-PIN kunoma ubani.

Ngingahlola kanjani ukuthi umboleki ubhalisiwe futhi akayena usomabhebhana?

Ungahlola ukuthi umhlinzeki wesikweletu ubhalisiwe yini ngokuxhumana ne-National Credit Regulator (NCR). Ungavakashela iwebhusayithi yabo noma ushayele amahhovisi abo. Ngaso sonke isikhathi cela umboleki inombolo yakhe yokubhalisa ye-NCR (izobukeka njenge-‘NCRCP****’).

Uyini umehluko phakathi komshuwalense wokungcwaba kanye nenqubomgomo yomshuwalense wempilo?

Inqubomgomo yomshuwalense wokungcwaba ikhokha inani elincane, elimisiwe ngokushesha ukuze kukhokhelwe izindleko zomngcwabo. Inqubomgomo yomshuwalense wempilo iyimali enkulu, eyinkimbinkimbi ekhokha isamba esikhulu kubahlomuli bakho emva kokufa kwakho. Kubahlomuli abaningi be-SASSA, inqubomgomo yomshuwalense wokungcwaba elula, ethengekayo ifaneleka kakhulu, kodwa qiniseka ukuthi ubhalisa nomhlinzeki othembekile.