Isibonelelo Sakho Sika-R350 Akusona I-R350 Ephelele: Izindleko Zebhange Ezifihliwe Nezingozi Zomshwalense Wesifuba Zango-2025

Ucwaningo olunzulu mayelana nokuthi izindleko zasebhange, umshwalense wesifuba oqotho, nama-debit order angafunwa akudonsa kanjani ngasese imali yesibonelelo se-R350 SRD ngo-2025. Lo mhlahlandlela udalula izingozi ezijwayelekile futhi unikeza amasu okusebenzisa abahlomuli baseNingizimu Afrika ukuvikela wonke uRand wesibonelelo sabo somphakathi.

Iqiniso Eliqotho: Kungani Isibonelelo Sakho Sika-R350 Sesichithwa Ngaphambi Kokuba Sifike Kuwe

Ake sikhulume iqiniso elibuhlungu. Ezigidini zabantu baseNingizimu Afrika, isaziso sokuthi isibonelelo se-Social Relief of Distress (SRD) sika-R350 sesikhokhiwe akusona isikhathi sokukhululeka, kodwa ukuqala komjaho. Umjaho olwa nama-debit order, izindleko zebhange, nezimali zesevisi eziphatha lolu lusizo njengento okufanele iqondiswe kuyo, hhayi usizo. NgoZibandlela (December) 2025, isibonelelo sika-R350 sibiza kancane kunangaphambili, futhi akuyona nje i-inflation okufanele isolwe. Kukhona ukudonswa kwemali okungabonwa okwenzeka ngasese kuma-akhawunti amabhange ezweni lonke, futhi sekuyisikhathi sokuba sikudalule. Lokhu akuyona nje incwadi; ukuvezwa kwezingozi zezimali ezenzelwe ukugcina abampofu bempofu.

Inkinga Yasebhange: Ingabe Iyingozi Edingekayo Kubahlomuli Besibonelelo?

I-SASSA ikhulume kakhulu mayelana nokusebenzisa ama-akhawunti asebhange angawodwana, kancane kancane ihlukanisa nohlelo lwe-SASSA/Postbank Gold Card kubantu abaningi. Uma ubuka nje, lokhu kunengqondo: kuphephe kakhulu kunokheshi futhi kusebenza kahle. Kodwa futhi kuvule isikhwama sezinkinga. Yize i-akhawunti yasebhange ibalulekile, ukukhetha okungalungile kungakudla ingxenye enkulu yesibonelelo sakho sika-R350 njalo ngenyanga. Ukuba lula kwekhadi lasebhange kuza nentengo efihliwe abaningi abaphoqeleka ukuba bayikhokhe. Ukuqonda lezi zindleko kuyisinyathelo sokuqala sokulwa.

Ugozi #1: Inkolelo Yamanga Ye-Akhawunti Yasebhange ‘Engabizi Kakhulu’

Amabhange athengisa kakhulu ama-akhawunti ‘okuqala’ noma ‘angabizi kakhulu’ kubahlomuli be-SASSA. Kodwa abiza kangakanani ngempela? Ake sibheke izindleko ezidonsa i-R350 yakho:

• Izindleko Zokugcinwa Kwanyanga Zonke: Ngisho no-R10 ngenyanga sekuyiphesenti elicishe libe ngu-3% lesibonelelo sakho esiphelile ngokushesha.
• Izindleko Zokwenziwa Kwemali (Transaction Fees): Ukusebenzisa ikhadi lakho kungaba mahhala, kodwa ukukhipha ukheshi akunjalo. Izindleko ze-ATM, ikakhulukazi uma usebenzisa umshini webhange elinye (i-SASwitch fees), zingaba phezulu njengo-R20 ngokukhipha okukodwa. Leyo yimali yokudla yosuku lonke.
• Izindleko Zokwenqaba (Decline Fees): Awunayo imali eyanele ye-debit order? Ibhange likushaja imali yokwenqaba ukukhokha, likujezisa ngoba ungenayo imali.
• Izindleko Zama-Statement: Udinga i-statement ephrintiwe ukuze ubuke imali yakho? Lokho kuzokudla imali. Ukuyithola nge-app kungabiza kancane, kodwa kudinga i-data.
• Izindleko Zesaziso: Le SMS ewusizo ekutshela ukuthi imali isingenile? Ngokuvamile uyayikhokhela.

Ngaphambi kokuba wazi, u-R30 kuya ku-R50 wesibonelelo sakho usephelile ngezindleko zebhange kuphela. Kufanele uhlole kahle uhlelo lwezindleko zebhange lakho bese uluqhathanisa namanye.

Ugozi #2: Ukuhlasela Okunamandla Komshwalense Wesifuba (Funeral Cover)

Akukho ndawo lapho kuqondiswe khona abahlomuli besibonelelo njengakumshwalense wesifuba. Ama-agent athengisayo, avame ukusebenzela i-commission, azi kahle ukuthi izibonelelo zikhokhwa nini. Bathengisa ama-policy nge-premium ka-R50, R70, noma R100, bakwenza kube sengathi yisinqumo esifanele. Nakuba kubalulekile ukuba nohlelo lwezindleko zomngcwabo, iqiniso libuhlungu:

1. Ukwanda Kokuthengiselwa: Abahlomuli abaningi babhaliselwa ama-policy amaningi, abangawadingi, lapho ama-debit order edonswa ngokulandelana.
2. Ukungabi Nobala: Imigomo nemibandela egcwele, isikhathi sokulinda, nokukhishwa akuvamile ukuchazwa kahle.
3. Amasu Okuthengisa Aphoqelelayo: Abantu bazizwa benecala noma bengenandaba uma bengasayini khona lapho.

I-premium eyodwa ka-R70 idla u-20% wesibonelelo sika-R350. Ama-policy amabili angasho ukuthi cishe ingxenye yesibonelelo isiphelile. Lokhu kuyinkinga edinga ukulawulwa ngokushesha.

Ugozi #3: Imali-Mboleko Ebulalayo Nokukhohlisa Kwe-‘Credit Elula’

Uma isibonelelo siphela, kuqala ukungabaza, kanti ababolekisi ababulalayo balindele. Banikeza imali mboleko encane yamaRand ambalwa ngenzalo ephezulu kakhulu, beqinisekisa ukukhokhelwa nge-debit order ngosuku lokukhokhelwa kwesibonelelo sakho esilandelayo. Lokhu kudala umjikelezo omubi wesikweletu lapho isibonelelo sisetshenziselwa ukukhokha imali mboleko yenyanga edlule, okuphoqa ukuba uboleke enye ukuze usinde. Ama-akhawunti esitolo anikeza i-credit yokuthenga ukudla noma izingubo nawo asebenza ngale ndlela, akukhiya ohlelweni lokukhokha oludla izibonelelo zakho zesikhathi esizayo.

Kuvezwe: Ubugebengu Bama-Debit Order Angagunyaziwe

Isikhalo esikhulu kubahlomuli besibonelelo yi-debit order engaqondakali. I-‘DebiCheck’ yahloselwa ukuxazulula lokhu, kodwa izinkampani eziqothokile zisathola izindlela zokudonsa imali engagunyaziwe ngamasevisi ongazange uwabhalisele. Ngokuvamile lezi yizimali ezincane, ’ezingabonakali’ njengo-R49.99 noma R99, ngethemba lokuthi ngeke ubone. Ukubuyisa lezi zimali kuyinkinga. Kudinga ukuya ebhange, ukugcwalisa amafomu, nokulinda, kuyilapho imali yakho ebalulekile isiphelile. Lokhu akuyona nje ibhizinisi elibi; ukugebenga.

Izikhali Zakho Zezimali: Uhlelo Lwezinyathelo Ezi-5 Zokuvikela I-R350 Yakho ngo-2025

Sekuyisikhathi sokulawula. Awunawo amandla. Nalu uhlelo lwakho lokulwa nokuvikela wonke usentimitha:

1. Iba Umseshi Wezindleko: Thola i-statement yasebhange lakho (ngisho noma ibiza amaRand ambalwa kanye) bese usebenzisa i-highlighter. Hlola konke okudonsiwe. Buza ngakho konke. Ingabe le mali yanyanga zonke ilungile? Ngingathola i-akhawunti eshibhile?
2. Khetha I-Akhawunti Yasebhange Efanele: Bheka ama-akhawunti anezindleko ezinguziro zanyanga zonke, ukuswayipha kwekhadi kwamahhala, nenani elilinganiselwe lokukhipha ukheshi kwamahhala. Amabhange afana ne-TymeBank, i-Capitec, ne-Bank Zero adumile ngezizathu ezithile. Qhathanisa izindleko zawo ngokucophelela.
3. Umthetho We-Policy Eyodwa: Hlola wonke ama-policy omshwalense wesifuba wakho. Cishe udinga i-policy eyodwa nje, engabizi futhi ehlangabezana nezidingo zakho. Khansela okunye. Qinisa inhliziyo ngabathengisi. Ukusinda komndeni wakho okusheshayo kubaluleke kakhulu kunomngcwabo omkhulu.
4. Phatha Ukungqubuzana Kwe-Debit Order: Ngokushesha nje lapho ubona i-debit order engagunyaziwe, yiya egatsheni lebhange lakho noma usebenzise i-app yasebhange ukuze uyiphikise ngokushesha. Ungalindi. Uma usheshe wenza, maningi amathuba okuthi ubuyiselwe imali yakho.
5. Lamba Ababolekisi Abalimazayo (Loan Sharks): Gwema ababolekisi abangesemthethweni nabanezalo ephezulu ngazo zonke izindleko. Kungcono ukuba nentwana encane kunokuba ubhajwe esikweletini. Hlola izinhlelo zokonga ezisekelwe emphakathini (ama-stokvel) noma funa usizo kuma-non-profit abhalisiwe ukuze uthole usizo oluphuthumayo.

I-SASSA Gold Card: Ingabe Indlela Endala Ingcono?

Abahlomuli abaningi asebekhulile basasebenzisa i-SASSA/Postbank Gold Card. Nakuba inezinkinga zayo (ukuhlala isikhathi eside, emigqeni, ukuphazamiseka kohlelo), inenzuzo eyodwa enkulu: iyisistimu evaliwe. Kunzima kakhulu ezinkampanini ukwenza ama-debit order angafunwa kulawa makhadi. Nokho, ngenxa yezinkinga zobuchwepheshe ze-Postbank eziqhubekayo ngo-2025, ukuthembela ku-Gold Card kuphela nakho kuyingozi. Kubafaki zicelo abasha, ukukhetha indlela yokukhokha kuyisinyathelo esibalulekile.

Yini Uhulumeni Ne-SASSA Okufanele Bayenze

Lena akuyona nje inkinga yomuntu ngamunye; kungukuhluleka kohlelo. Uhulumeni, i-SASSA, kanye ne-Financial Sector Conduct Authority (FSCA) kufanele benze okuthile:

• Faka Izinkampani Ezibulalayo OHLwini Olumnyama (Blacklist): Valiwe izinkampani ezinamazinga aphezulu okungqubuzana kwama-debit order ekufinyeleleni ohlelweni lokukhokha lwesizwe.
• Beka Umkhawulo Kuma-Premium Omshwalense Wesifuba: Sethula imithetho ebeka umkhawulo ephesentini lesibonelelo somphakathi elingadonswa ngemikhiqizo yezimali efana nomshwalense wesifuba.
• Ukuqeqeshwa Kwezimali Ezindaweni Zokukhokhela: Qalisa ama-workshop alula, okuqeqesha abahlomuli kwezokuphatha imali.
• ‘Uhlu Oluluhlaza’ Lwama-Akhawunti Asebhange: I-SASSA kufanele isebenzisane namabhange ukuze inikeze uhlu lwama-akhawunti angabizi kakhulu, avunyelwe ngaphambilini, anokuvikelwa kwabahlomuli okufakiwe.

Isiphetho: I-R350 Yakho Ingamandla Akho

Isibonelelo sika-R350 singaphezu kwemali nje; isitatimende sokuthi ezweni elinokungalingani okukhulu, akekho okufanele asale engenalutho. Ukuvikela yona kuyisenzo sokungavumi. Ngokuba nombono, ukubuza konke okudonsiwe, nokufuna okungcono emabhange nakuHulumeni, awuphathi nje imali yakho; ucela isithunzi sakho. Ungavumeli muntu akutshele ukuthi ‘yi-R350 nje’. Yeyakho, futhi unelungelo layo yonke isenti yayo.

FAQs

Iyiphi i-akhawunti yasebhange eshibhe kakhulu yezibonelelo ze-SASSA ngo-2025?

Nakuba singenakukwazi ukweseka ibhange elithile, ama-akhawunti anezindleko zanyanga zonke ezinguziro yindawo engcono kakhulu yokuqala. Bheka amabhange edijithali njenge-TymeBank noma ama-akhawunti okuqala avela ku-Capitec nase-Bank Zero. Okubalulekile ukuqhathanisa izindleko zabo zokukhipha ukheshi, ukudlulisela imali, nama-debit order enqatshelwe. Hlala ucela uhlelo lwezindleko olugcwele ngaphambi kokuvula i-akhawunti.

Ngingayimisa kanjani i-debit order engagunyaziwe esibonelelwenini sami se-SASSA?

Kufanele wenze ngokushesha. Ungaya egatsheni lebhange lakho ne-ID yakho bese ucela ifomu lokubuyisa i-debit order, noma usebenzise i-mobile app yasebhange lakho noma isevisi ye-USSD. Ama-app amaningi anomsebenzi othi ‘Misa i-Debit Order’ noma ‘Phikisa’. Bika njengento engafunwanga. Ungaphinde ufake isikhalazo ku-FSCA uma inkampani iqhubeka nokudonsa imali kuwe.

Kuphephile yini ukukhokhelwa isibonelelo sami se-SASSA ku-Capitec yami noma kwenye i-akhawunti yasebhange?

Yebo, kuvame ukuphepha futhi kuvame ukuba lula kunokusebenzisa i-Postbank. Kodwa-ke, umthwalo wokulawula i-akhawunti uwele kuwe. Ama-akhawunti asebhange ezohwebo avame ukuba sengozini yama-debit order, ngakho-ke kufanele uqaphele ukuthi ubani omnika imininingwane ye-akhawunti yakho futhi uhlole njalo ama-statement akho nganoma yikuphi ukungabaza.

Zingaki izinhlelo zomshwalense wesifuba okufanele ngibe nazo uma ngihola isibonelelo se-SASSA?

Ochwepheshe bezimali batusa ukuba ne-policy eyodwa kuphela engabizi futhi ehlangabezana nezidingo zakho. Ngesibonelelo sika-R350, i-premium ye-policy kufanele ibe ingxenye encane kakhulu yaleyo mali, mhlawumbe ngaphansi kuka-R40-R50. Ukuba nama-policy amaningi kuyingozi enkulu yezimali ezodonsa imali yakho yesibonelelo ngaphandle kwenzuzo eyengeziwe.

Kungani imali yesibonelelo sami yehle kule nyanga?

Uma isibonelelo sakho se-SASSA sincane kunalokho obukulindele, cishe kungenxa yezindleko zasebhange noma ama-debit order adonsiwe. I-SASSA ihlala ikhokha imali egcwele yesibonelelo ebhange. Thola i-bank statement ngokushesha ukuze ubone uhlu lwazo zonke izinto ezikhiphile. Lokhu kuzokukhombisa ukuthi imali iye kuphi.

Ingabe umashonisa angathatha ikhadi lami le-SASSA njengesibambiso?

Cha, lokhu akukho emthethweni. Kuphambene nomthetho ukuba noma ubani aphethe i-ID yakho, ikhadi lasebhange, noma ikhadi le-SASSA njengesibambiso semali mboleko. Lena yindlela ejwayelekile esetshenziswa ngababolekisi ababulalayo (omashonisa). Ungalokothi unikeze ikhadi lakho ne-PIN kunoma ubani. Bika ababolekisi abanjalo kuPhoyisa (SAPS).

Ayini ama-SASwitch fees futhi ngingawagwema kanjani?

I-SASwitch fee yimali oyikhokhayo ngokusebenzisa i-ATM engeyona eye-bhange lakho. Isibonelo, uma unekhadi le-Capitec futhi ukhipha ku-FNB ATM, uzokhokha imali ephezulu. Ukuze ugweme lokhu, zama ukukhipha ukheshi kuphela kuma-ATM ebhange lakho noma kubathengisi abasebenzisana nabo njengo-Pick n Pay, Shoprite, noma i-Boxer, abavame ukuba nezindleko eziphansi zokukhipha ukheshi.

Ibhange lami lingishaje imali ngoba i-debit order yehlulekile. Ingabe lokhu kusemthethweni?

Yebo, ngeshwa, lokhu kuyinto evamile emabhange amaningi. Kubizwa ngokuthi ‘i-dishonoured debit order fee’ noma ‘unpaid fee’. Bakushaja inhlawulo ngoba kwakungekho imali eyanele kwi-akhawunti yakho ukuze kuhlangatshezwane nesidingo se-debit order. Lokhu kwenza kubaluleke kakhulu ukukhansela noma yimaphi ama-debit order ongenakukwazi ukuwakhokhela ukuze ugweme lezi zindleko zokujezisa.

Ngingazihlola kanjani izinsuku zokukhokhelwa kwe-SASSA ezinyangeni ezizayo?

Ukuze uhlale ubuyekeziwe ohlelweni olusemthethweni, kufanele njalo ubheke umthombo othembekile wezinsuku zokukhokhelwa kwe-SASSA ukuze uhlele izimali zakho.