Kungani Isibonelelo Sakho Se-SASSA Sikudlela Ngasese U-R500 Ngenyanga ngo-2025

Izigidi zabahlomuli be-SASSA zilahlekelwa amakhulu ama-Randi ezibonelelweni zazo njalo ngenyanga ngenxa yezimali zasebhange ezifihlekile, ama-debit order angewona omthetho, kanye nemikhiqizo yezezimali ehlukunyezayo. Lolu cwaningo luka-2025 luveza izingibe ezijwayelekile futhi lunikeza umhlahlandlela wezinyathelo zokushintshela ku-akhawunti yasebhange eshibhile ukuze uvikele imali yakho.

Umgodi Ka-R500 Esibonelelwe Sakho Ongazange Wazi Ukuthi Ukhona

Sekungunyaka ka-2025, futhi ezigidini zamaSouth Africa, isibonelelo se-SASSA asiyona nje inkokhelo—siyindlela yokuphila. Kodwa kuthiwani uma ngingakutshela ukuthi ingxenye enkulu yaleyo ndlela yokuphila idliwa ngasese ngaphambi kokuba usebenzise ngisho nesenti? Asikhulumi ngama-Randi ambalwa lapha nalapha. Sikhuluma ngokulahlekelwa okungenzeka kube u-R300, R400, noma u-R500 njalo ngenyanga. Lokhu akukhona ukuncishiswa kukahulumeni; kuwukuphuma kancane, okuthulile okubangelwa uhlelo lwasebhange oluvame ukubona abahlomuli besibonelelo njengabantu okulula ukubathola ukuze bakhokhiswe imali ephezulu kanye nemikhiqizo ehlukunyezayo. Ngenkathi ukhathazekile ngezinsuku zokukhokha ze-SASSA, amabhange nezinkampani ezithile zithatha ingxenye yazo ngasese. Lesi sihloko siwukuvezwa kwezingibe zezezimali ezifihlekile ezibhekene nabahlomuli ngo-2025 kanye nomhlahlandlela wakho wokulwa nazo.

Izinganekwane Zekhadi Legolide Le-SASSA: Kungani ‘Mahhala’ Kungelona Ngempela Ihhala

I-SASSA Gold Card, ekhishwe yi-Postbank, bekumele ibe yindlela ephephile, eshibhile yokuthola izimali zakho. Kodwa-ke, “ukuxega” okungapheli kohlelo, ukubambezeleka kwezinkokhelo, kanye nemigqa emide ngo-2025 kuye kwaphoqa abahlomuli abaningi ukuba basebenzise ama-ATM amabhange ezohwebo ngenxa yokuphelelwa ithemba. Yilapho kugqulwa khona ugibe. Ukusebenzisa i-Gold Card yakho ku-ATM yelinye ibhange kungenye yezindlela ezisheshayo zokulahlekelwa yimali. Okukhomba njengokulula kuphela kubiza imali eningi. Ngaphezu kwalokho, ukuphoqa abahlomuli ukuba bashintshele kuma-akhawunti amabhange ezohwebo kuye kwavula ibhokisi lezindleko le-Pandora, uhlelo lwe-Postbank, naphezu kwamaphutha alo, olwaluhlelelwe ukuwanciphisa.

Ukuhlakaza: Indlela Izimali Ezifihlekile Ezidla Ngayo Isibonelelo Sakho

Pho, uvela kuphi lo R500 ongumthunzi? Kuyi-i-i-accumulation yezindleko ezincane, ezibukeka zingenalutho eziba inhlekelele ekupheleni kwenyanga. Ake sihlole izinto ezivame ukudla imali yakho: * Izimali Zokukhipha Imali Ku-ATM Engewona Owasebhange Lakho (Out-of-Network): Ukukhipha u-R100 ku-ATM yelinye ibhange? Lokho kungakudlela u-R10 kanye nephesenti lenani. Uma ukwenza lokhu kaningi, usulahlekelwe u-R50 kuya ku-R100. * Izimali Zokugcina I-Akhawunti (Account Maintenance Fees): Ama-akhawunti amaningi ajwayelekile asebhange akhokhisa imali yanyanga zonke, esukela ku-R10 iye ku-R100, ngenxa nje yokuba ne-akhawunti evuliwe. * Izimali Zokwenqatshwa Kwe-Debit Order (Declined Debit Order Fees): Uma i-debit order izama ukudonswa kodwa ungenayo imali eyanele, ibhange likukhokhisa inhlawulo—imvamisa u-R50 noma ngaphezulu. Lesi isijeziso sokuba ompofu. * Izindleko Zezaziso ze-SMS: Le SMS ewusizo ekwazisa ukuthi isibonelelo sakho sesingenile? Amabhange angakhokhisa u-R1 noma ngaphezulu ngesaziso ngasinye. Kuyanda lokho. * Izimali Zokufaka Imali (Cash Deposit Fees): Uma ilungu lomndeni lifaka imali ku-akhawunti yakho ukuze likusize, ibhange lithatha ingxenye. * Izimali Zesitatimende (Statement Fees): Udinga isitatimende esiprintiwe sobufakazi bemali engenayo? Lokho kuzokudlela u-R20-R30 egatsheni.

Ububi Obuthathu: Imikhonyovu Ye-Airtime, Ugesi, kanye Ne-Funeral Cover

Izinto ezidala izinkinga kakhulu imvamisa ngama-debit order angemthetho nangenagunya. Izinkampani eziqophayo zithola imininingwane yakho bese ziqala ukudonsa imali encane ngezinsizakalo ongamvumelanga ukuzithola. Ezivame kakhulu yilezi: 1. I-Funeral Cover (Isikhwama Somngcwabo): Uthola ucingo, bathola ‘yebo’ kuwe kulayini oqoshiwe, bese ngokungazelele u-R99 ngenyanga usudlulela enkampanini ye-policy ongayiqondi noma ongayifuni. 2. Ama-Subscription E-Airtime/Data: Ukudonswa okuncane, kwansuku zonke kuka-R5 noma u-R7 ‘okuqukethwe ngedijithali’ noma i-airtime ongasigunyazanga. 3. Izinsizakalo ‘Ezinezindinganiso Ezithuthukisiwe’ (Value-Added Services): Lokhu kungaba yinoma yini kusukela ’emibhikishweni yekhredithi’ kuye ‘osizweni lwezomthetho’, okuvame ukubiza u-R80 kuya ku-R150 ngenyanga. Lawa ma-debit order aklanyelwe ukuba mancane kangangokuthi ungase ungawaqapheli, kodwa amane noma amathathu asebenza ngesikhathi esisodwa angadla kalula u-R300 wesibonelelo sakho.

Ukuhlaziya Kwethu: Ukungangeneli Kwe-SASSA Kushiya Abahlomuli Abasengozini

Nansi iqiniso elingakhululekile: Ngokukhuthaza abahlomuli ukuba bashintshele emabhange ezohwebo ukuze kuxazululwe izinkinga zayo zokuhlela ne-Postbank, i-SASSA ingase iphumelele ekubhekiseni iningi lamaklayenti ayo asengozini kakhulu ezimpisini. Akukho ukufundiswa okwanele kwabathengi noma ukuvikelwa okuhlinzekwa ngesikhathi salolu shintsho. Kuyinto eyodwa ukuthi ’thola i-akhawunti yasebhange,’ kuyinto ehlukile ukunikeza umhlahlandlela mayelana nama-akhawunti angeke akuxhaphaze. Ngo-2025, umthwalo kahulumeni akufanele uphele lapho imali ikhokhwa khona. Kudingeka kube nobambiswano oluqinile emkhakheni wezezimali ukuze kwakhiwe ama-akhawunti asebhange angempela amahhala, alungele abasebenzisi ikakhulukazi abahlomuli bezibonelelo zomphakathi. Uhlelo lwamanje luzuzisa amabhange kakhulu kunabantu okufanele luabasebenzele.

Ukushintsha Okuhlakaniphile: Ama-Akhawunti Amanyuza Amathathu Aphansi Amanani E-SASSA ngo-2025

Unamandla okumisa ukulahlekelwa. Ukushintshela ku-akhawunti yasebhange enezimali zanyanga zonke eziyize noma eziphansi kakhulu kuyisona sinyathelo esingcono kakhulu sezezimali ongase usithathe. Nazi izinketho eziphezulu ngo-2025: * I-TymeBank EveryDay: Ayikho imali yanyanga zonke (R0). Ukukhipha imali mahhala kwa-Pick n Pay naku-Boxer. * I-Capitec Global One: Imali yanyanga zonke iphansi (cishe u-R5). Izimali zokusebenza ziphansi kakhulu futhi inohlelo lokusebenza oluhle, olulula ukulusebenzisa. * I-FNB Easy Zero: Ayikho imali yanyanga zonke (R0). Ukuswayipha amakhadi mahhala nokukhipha imali kuma-ATM e-FNB mahhala. Ukusikisela Kwethu: Kubahlomuli be-SASSA abaningi, i-TymeBank iyindawo enhle yokuqala ngenxa yemali yayo yanyanga zonke ka-R0 kanye nokubambisana nabathengisi abakhulu, okunciphisa isidingo sokukhipha imali ku-ATM okubiza kakhulu.

Uhlelo Lwakho Lwezinyathelo Ezingu-5 Zokushintsha Imininingwane Yakho Yasebhange Ye-SASSA

Usulungele ukushintsha? Ungesabi. Landela lezi zinyathelo ngokucophelela: 1. Khetha futhi Uvule I-Akhawunti Yakho Entsha: Hamba uye ebhange olikhethile elingabizi kakhulu (njenge-TymeBank noma i-Capitec) nencwadi yakho kamazisi eluhlaza noma i-Smart ID card kanye nobufakazi bendawo yokuhlala. 2. Thola Ubufakazi Be-Akhawunti: Ibhange kufanele likunike incwadi esemthethweni, efakwe isitembu efakazela ukuthi i-akhawunti igama lakho futhi iyasebenza. Lokhu akumele kuxoxiswane ngakho. 3. Thola Ifomu Esemthethweni: Landa i-‘Consent Form for Bank Payment’ (Ifomu Lokuvuma Inkokhelo Yasebhange) kuwebhusayithi esemthethweni ye-SASSA noma uthole ikhophi ehhovisi lakho eliseduze le-SASSA. 4. Gcwalisa Ifomu: Gcwalisa ifomu ngokunembile. Hlola kabili inombolo yakho kamazisi, igama, kanye nemininingwane ye-akhawunti yasebhange entsha. Noma yiliphi iphutha lizodala ukubambezeleka. 5. Hambisa Mathupha: Thatha ifomu eligcwalisiwe kanye nencwadi yakho yasebhange uyise ehhovisi lakho lendawo le-SASSA. UNGALIKEPI kunoma ubani omunye. Thola irisidi noma ubufakazi bokuhambisa. Ushintsho lungathatha kufike ezinsukwini ezingu-90, ngakho hlola isimo se-SRD R350 ku-inthanethi ukuze uthole izibuyekezo.

Ukulwa Emuva: Indlela Yokumisa Ama-Debit Order Angemthetho ngo-2025

Ukubona ukudonswa okungenagunya ku-akhawunti yakho kuyacasula. Nansi indlela okulwa ngayo: * Yenza Ngokushesha: Ngokushesha nje lapho ubona ukudonswa okungajwayelekile, thintana nebhange lakho. Unelungelo lokuphikisa futhi uhoxise noma iyiphi i-debit order engenagunya. * Sebenzisa Uhlelo Lokusebenza Lwasebhange (Banking App): Izinhlelo zokusebenza zasebhange eziningi zesimanje (njenge-Capitec’s) zinesici sokuvimba noma ukuhoxisa ama-debit order wena uqobo. Lena yindlela esheshayo. * Faka Isikhalazo: Uma ibhange lingasizi, faka isikhalazo ku-Payments Association of South Africa (PASA) noma ku-Banking Ombudsman. * Yiba Qhaphile: Ungalokothi unikeze inombolo yakho kamazisi noma imininingwane yasebhange ocingweni kumuntu ongamaziyo. Yiba nokungabaza nganoma imuphi ‘umqhudelwano’ noma ‘ucwaningo’ olucela lolu lwazi.

Isexwayiso: Ugibe Lwe- Mashonisa kanye ‘Nekhredithi Elula’

Isibonelelo sakho esingaguquki se-SASSA sikwenza ube yisisulu esikhulu sama-mashonisa (loan sharks) kanye nababolekisi abaqophayo. Banikeza imali esheshayo kodwa bakubamba emjikelezweni wesikweletu esinamazinga enzalo ahlanya. Ngokufanayo, abanye abathengisi bangase bakuphoqe ukuba uthathe amakhadi esitolo noma izikhungo zesikweletu. Qaphela kakhulu. Lokhu ‘kukhredithi okulula’ kungaholela ekutheni yonke imali yakho idliwe yizinkokhelo zokubuyisela imali, okukushiya ungenalutho. Uma isibonelelo sakho senqatshelwe ngokungafanele futhi uphelelwe ithemba, gxila kunqubo esemthethweni ye-SASSA Appeals Process kunokuba uphendukele esikweletini esiyingozi.

Isiphetho: Buyisa Ukulawula Kwemali Yakho

Isibonelelo sakho se-SASSA yimali yakho, etholwe ngelungelo lakho njengesakhamuzi. Akuyona ibhonasi yamabhange noma indawo yokudlala yabaqola. Ngokuba qaphela, ngokubuza zonke izimali, nangokukhetha umlingani wasebhange ofanele, ungalumisa ukwebiwa okuthulile kwesibonelelo sakho. Lo R500 owonga njalo ngenyanga ungowakho ngokufanele. Umehluko phakathi kokulwa nokuzinza. Sebenzisa lo mhlahlandlela, wabelane ngawo nomphakathi wakho, futhi uzinike amandla okubuyisa ukulawula kwezezimali ngo-2025.

FAQs

Ingabe i-SASSA ingasikhokhela isibonelelo sami kunoma iyiphi i-akhawunti yasebhange?

Yebo, i-SASSA ingasikhokhela isibonelelo sakho kuma-akhawunti amabhange amakhulu aseNingizimu Afrika, inqobo nje uma i-akhawunti igama lakho. Awukwazi ukusebenzisa i-akhawunti yomngane noma yelungu lomndeni. Ama-akhawunti afana ne-TymeBank, i-Capitec, i-Standard Bank, i-FNB, ne-Absa, wonke amukelekile.

Kuthatha isikhathi esingakanani ukuthi i-SASSA ishintshe imininingwane yami yasebhange?

Ngemuva kokuhambisa amafomu adingekayo, kungathatha i-SASSA phakathi kwezinsuku ezingu-30 kuya ku-90 ukuqinisekisa nokubuyekeza imininingwane yakho yasebhange. Ngesikhathi salokhu, isibonelelo sakho singase sikhokhelwe ekhadini lakho elidala noma indlela yakho, ngakho kubalulekile ukusigcina sisebenza kuze kube yilapho inkokhelo yokuqala ingena ngempumelelo ku-akhawunti yakho entsha.

Ingabe i-SASSA Gold Card iyasuswa ngo-2025?

Kusukela ngasekupheleni kuka-2025, i-Postbank ne-SASSA bezisebenza ekuvuseleleni ama-Gold Card aphelelwe yisikhathi. Ngenkathi kungekho isimemezelo esisemthethweni sokuthi isuswa ngokuphelele, abahlomuli bakhuthazwa kakhulu ukuba bashintshele kuma-akhawunti amabhange ezohwebo ukuze bathole isevisi ethembeke kakhudlwana.

Kwenzekani uma ngisolsa i-debit order engekho emthethweni ku-akhawunti yami?

Kufanele uthinte ibhange lakho ngokushesha. Ngaphansi kwemithetho yasebhange, unelungelo lokuphikisa nokucela ukuhoxiswa kwanoma iyiphi i-debit order engenagunya. Indlela esheshayo imvamisa ngokusebenzisa uhlelo lokusebenza lweselula lwebhange lakho, oluvame ukuba nesigaba esizinikezele sokuphatha ama-debit order.

Ingabe akhona ama-akhawunti asebhange amahhala ngokuphelele kubahlomuli be-SASSA?

Amanye ama-akhawunti asebhange, afana ne-TymeBank EveryDay ne-FNB Easy Zero, awanazo izimali zanyanga zonke ze-akhawunti. Kodwa-ke, ‘mahhala’ ivame ukusebenza kuphela emalini yanyanga zonke. Usengakhokhiswa amanye ama-transaction afana nokukhipha imali ku-ATM kwamanye amabhange, ukuthumela imali, noma ukuthola izitatimende. Kubalulekile ukufunda isakhiwo sezimali zanoma iyiphi i-akhawunti oyikhethayo.

Ngingakwazi yini ukuhoxisa i-debit order ye-funeral policy engingavumelananga nayo?

Yebo. Uma i-funeral policy ithengiswe kuwe ngaphansi kwamanga noma ungenalo ulwazi lwayo, ungayiphikisa ebhange lakho. Kufanele futhi ubike inkampani ku-Financial Sector Conduct Authority (FSCA).

Kungani inani lesibonelelo sami se-SASSA libonakala lincane lapho ngikhipha imali?

Lokhu cishe kudalwa yizimali zasebhange. Uma isibonelelo sakho singu-R350, kodwa uthola kuphela u-R320 ku-ATM, umehluko ka-R30 cishe uthathwe ngezimali zokukhipha imali ku-ATM nezinye izimali ze-akhawunti obungazi ngazo. Hlola isitatimende sakho sasebhange.

Ingabe kuphephile ukuthi isibonelelo sami se-SASSA sikhokhelwe ebhange kunokuqoqa imali?

Ngokuvamile, yebo. Ukuthi isibonelelo sakho sikhokhelwe ku-akhawunti yasebhange kuphephe kakhulu kunokuphatha imali eningi ukusuka endaweni yokukhokha, okungakwenza ube yisisulu sobugebengu. Futhi kukunikeza irekhodi lezinkokhelo zakho futhi kukuvumela ukuba usebenzise i-debit card ukuze uthenge, okuphephe kakhudlwana futhi okungabizi kakhulu kunokukhipha imali.