Isibonelelo Sakho se-SASSA Siyavuza Imali: Izindleko Ezifihliwe Zebhange Ezingaphezu Kuka-R500 Ozikhokha ngo-2025

Izigidi zabantu baseNingizimu Afrika zilokhu zilahlekelwa ama-Rand amaningi minyaka yonke ngenxa yezindleko zebhange ezifihliwe kanye nokuqoshelwa okungafanele okwenziwa esibonelelweni sabo se-SASSA. Uphenyo lwango-2025 luveza ukuthi kubiza malini ngempela ukusebenzisa i-akhawunti yasebhange engafanele, futhi luphinde luveze ukuthi yiziphi izindlela zokonga ezingakwenzela imali engaphezulu kuka-R500 ngonyaka.

Iqiniso Elishaqisayo: Isibonelelo Sakho Asinjengoba Ucaba

Lomuzwa wokukhululeka uma isibonelelo sakho se-SASSA sifika e-akhawuntini, yinto izigidi zabantu baseNingizimu Afrika abancike kuyo. Kodwa kuthiwani uma ngingakutshela ukuthi kubaningi, inani eligcwele alikaze lifinyelele ezandleni zabo ngempela? Ukuvuza kwemali okuthule, okwenziwa izindleko zebhange ezinyonyobayo kanye nokuqoshelwa okungenasizathu, kudonsa u-R20, u-R50, kuze kudlule no-R100 inyanga ngayinye. Ekupheleni kuka-2025, lokho kungaba imali engaphezulu kuka-R600 ehambile. Lokhu akukhona nje ukushaywa yinhlanhla; inkinga ehlelekile eqondise kubantu abasengozini kakhulu. Lolu phenyo lukhombisa kahle ukuthi kwenzeka kanjani futhi lunikeza uhlelo lwango-2025 lokulwa nalokhu nokuqinisekisa ukuthi uyawugcina wonke uRand okufanele uwuthole.

Kungani I-Khadi Lakho Legolide le-SASSA Elidala Liyingibe Yezimali Ngo-2025

Sekungamashumi eminyaka, i-SASSA Gold Card ekhishwe yi-Postbank ibiyinsika. Yize yayinenhloso, isiphenduke umthombo omkhulu wokuvuza kwemali. Njengoba siqonda ku-2026, izinkinga ze-Postbank zobuchwepheshe kanye nezindlela ezithile zokukhokha zibiza abamukeli bezibonelelo imali. Abasebenzisi abaningi babika izindleko eziphezulu zokukhipha imali kuma-ATM angewona a-Post Office kanye nezitatimende ezididayo okwenza kube nzima ukulandelela ukuthi imali iya kuphi. Ngaphezu kwalokho, lawa ma-akhawunti abelokhu ekuyizindawo ezihlaselwa kakhulu ukudonswa okungagunyaziwe ngoba asetshenziswa kakhulu. Uhulumeni ne-SASSA bakhuthaza abamukeli bezibonelelo ukuthi bashintshele kuma-akhawunti asebhange ezohwebo ngesizathu esicacile: ikunikeza ukulawula okwengeziwe, ukuphepha okungcono, futhi, uma ukhetha kahle, izindleko eziphansi kakhulu.

Ababulali Abakhulu ‘Abathathu’ Besibonelelo: Izindleko Ezifihliwe Ziyadalulwa

Imali yesibonelelo sakho inyamalala ngezindlela ezintathu eziyinhloko. Ukuqonda zona kuyisinyathelo sokuqala sokumisa ukwebiwa.

1. Izindleko Zebhange Ezidlulele (Excessive Bank Fees): Akuwona wonke ama-akhawunti asebhange adalwe ngokulingana. Amanye ama-akhawunti ‘okuqala’ (entry-level) avela emabhange amakhulu eza nezindleko ezijezisayo zezinsizakalo eziyisisekelo. Ukukhipha imali kanye nje kwi-ATM ’engafanele’ kungakubiza kuze kufike ku-R20! Le mali encane iyanda.
2. Ukudonswa Okungagunyaziwe (Debit Orders – I-DebiCheck Scams): Lena yingozi embi kakhulu. Izinkampani ezingenamahloni zithola imininingwane yakho bese zisetha ukudonswa kwemali okwesikhathi eside (debit orders) kwezinto ongazange uvumelane nazo—imvamisa imali encane yezinsizakalo ze-‘airtime’ noma ‘umshwalense wezomthetho’. Uma usuqaphela, sebehlale bekudonsela imali izinyanga.
3. Ukudonswa ‘Okusemthethweni’ Kodwa Okuyingozi (Predatory Deductions): Lena indawo engacacile. Kungenzeka ukuthi uvumelane nomshwalense womngcwabo ocingweni ngaphandle kokuqonda ngokugcwele imigomo. Lezi zinkampani ziqondise kubamukeli bezibonelelo ngoba zazi ukuthi banemali ethembekile engenayo inyanga ngayinye. Yize kusemthethweni ngokobuchwepheshe, lezi zinqubomgomo zivame ukunikeza inani eliphansi futhi zidonsa imali yesibonelelo sakho ebalulekile.

Ukuqhathaniswa Kwezindleko Kwango-2025: Ingakanani Imali Ibhange Lakho Elikubizayo Ngempela

Ake sibheke isibonelo esisebenzayo. Ake sithi ukhipha isibonelelo sakho se-SRD sika-R350 ngokukhipha okubili okuhlukene futhi ubheke ibhalansi yakho kanye kwi-ATM.

• I-Akhawunti Enezindleko Eziningi (High-Fee Account):

  • Imali Yenyanga (Monthly Fee): R5.00
  • Ukukhipha 1 (I-ATM yebhange elinye): R15.00
  • Ukukhipha 2 (I-ATM yebhange elinye): R15.00
  • Ukuhlola Ibhalansi (Balance Enquiry): R2.00
  • Isamba Sezindleko Zenyanga: R37.00 (Ngaphezu kwe-10% yesibonelelo sakho se-SRD!)

• I-Akhawunti Yebhange Ledijithali/Enezindleko Eziphansi (Low-Fee/Digital Bank Account - isb. TymeBank, Capitec):

  • Imali Yenyanga (Monthly Fee): R0.00
  • Ukukhipha 1 (Esiteji Somthengisi/Till Point): R3.00
  • Ukukhipha 2 (Esiteji Somthengisi/Till Point): R3.00
  • Ukuhlola Ibhalansi (Ku-App): R0.00
  • Isamba Sezindleko Zenyanga: R6.00

Onyakeni, umuntu one-akhawunti enezindleko eziningi ulahlekelwa u-R444, kanti omunye ulahlekelwa u-R72 kuphela. Lomehluko u-R372—okungaphezulu kwesibonelelo esigcwele se-SRD—osele ephaketheni lakho.

Uhlu Lwezinto Okufanele Uzibheke E-Akhawuntini Yasebhange Elungele I-SASSA ngo-2025

Uma ukhetha i-akhawunti entsha yasebhange yesibonelelo sakho se-SASSA, wena ulawula konke. Ungavumeli muntu akucindezele. Nalu uhlu lwakho lokuhlola ukuze uthole i-akhawunti engayithandi imali yesibonelelo:

• Azikho Izindleko Zenyanga (Zero Monthly Fees): Asikho isizathu sokukhokha imali ehleliwe ukuze nje ube ne-akhawunti. Amabhange afana ne-TymeBank, i-Bank Zero, ne-Capitec (ngemibandela) ayakunikeza lokhu.
• Izaziso Zamahhala Ku-App/nge-SMS: Udinga ukwazi ngokushesha lapho imali yakho ingena khona. Ungakhokhi ngale nkonzo. Izinsuku zakho zakamuva [zokukhokha i-SASSA] zimemezelwa njalo ngenyanga, futhi izaziso zamahhala zikuqinisekisa idiphozithi ngokushesha.
• Ukukhipha Imali Ngezindleko Eziphansi: Bheka amabhange asebenzisana nabathengisi abakhulu (i-Pick n Pay, i-Shoprite, i-Boxer, i-Checkers). Ukukhipha imali endaweni yokukhokha (till point) kungenasizathu, kushibhe kakhulu kunokusebenzisa i-ATM.
• Ukulawula Ukudonswa Kwemali (Debit Order Control): Ama-app amahle kakhulu asebhange ngo-2025 akuvumela ukuthi ubuke, ulawule, futhi uvimbele ukudonswa kwemali ngqo efonini yakho. Lokhu kukunikeza amandla okumisa ngokushesha ukudonswa okungagunyaziwe.
• Kulula Ukuvula (FICA): Amabhange esimanje akuvumela ukuthi uvule i-akhawunti nge-ID yakho kuphela kanye ne-selfie ku-smartphone yakho, akudingeki ukuthi ume emigqeni emide.

Umhlahlandlela Wesinyathelo Ngesinyathelo: Ungasishintsha Kanjani Isibonelelo Sakho se-SASSA Siyiswe Ku-Akhawunti Yebhange Entsha

Ukushintsha imininingwane yakho yokukhokha kuyinqubo esemthethweni okumele yenziwe kahle ukuze ugweme ukubambezeleka kokukhokha. Kusukela ekupheleni kuka-2025, lena yindlela esemthethweni:

1. Vula I-Akhawunti Yakho Yebhange Entsha: Okokuqala, vula i-akhawunti ngempumelelo ebhange olikhethile elinezindleko eziphansi. Thola imininingwane yakho esemthethweni ye-akhawunti yasebhange (inombolo ye-akhawunti, ikhodi legatsha, uhlobo lwe-akhawunti) esitatimendeni esiphrintiwe noma encwadini yokuqinisekisa.
2. Vakashela Iwebhusayithi ye-SASSA: Iya kwiwebhusayithi esemthethweni ye-SASSA SRD. Uzodinga inombolo yakho ye-ID kanye nenombolo yocingo olusebenzise esicelweni sakho.
3. Hamba Uye Ku-‘Shintsha Imininingwane Yasebhange’: Landela izinyathelo zokuhambisa imininingwane yakho entsha yasebhange. Uzothola isixhumanisi se-SMS okufanele usicofe ukuze uqinisekise ushintsho.
4. Ukuqinisekisa KUBALULEKILE: I-SASSA izoqinisekisa ukuthi i-akhawunti yasebhange ibhaliswe egameni lakho. Awukwazi ukusebenzisa i-akhawunti yasebhange yomunye umuntu. Lokhu kuqinisekisa kungathatha izinsuku eziningana.
5. Linda Umjikelezo Olandelayo Wokukhokha: Izinguquko azisheshisi. Uma ushintsha imininingwane yakho ngemuva kosuku lokunqanyulwa (cut-off date) lwenyanga (imvamisa ngomhla ka-15), ushintsho luzosebenza kuphela kusukela kumjikelezo olandelayo wokukhokha. Lungela lokhu kubambezeleka okungenzeka kwenyanga eyodwa.

Vikela Isibonelelo Sakho: Ungakuvimba Kanjani Ukudonswa Kwemali Okungafuneki MANJE

Ukubona imali yakho inyamalala kuyacasula. Nalu uhlelo lwakho lwesenzo lwango-2025 lokumisa lokho:

• Sebenzisa I-App Yasebhange Lakho: Indlela esheshayo. Ngena, thola isigaba ‘Sokudonswa Kwemali’ (Debit Orders) noma ‘Izinkokhelo’ (Payments). Kufanele ubone uhlu lwazo zonke izindlela zokudonswa kwemali ezisebenzayo. Ama-app amaningi anenkinobho ethi ‘Phikisana’ (Dispute) noma ‘Buyisela Emuva’ (Reverse) ukuze ubuyisele ukudonswa kwamuva futhi enenkinobho ethi ‘Vimbela’ (Block) zonke izinkokhelo ezizayo ezivela kuleyo nkampani.
• Hambisa Isiqondiso Esibhaliwe: Vakashela igatsha lebhange lakho bese ugcwalisa ifomu lokukhansela ukudonswa kwemali. Lena inqubo esemthethweni kodwa yakha irekhodi elibhaliwe (paper trail). Thola ikhophi enesitembu samarekhodi akho.
• Bika Inkampani: Uma ukudonswa bekungagunyaziwe, bika inkampani ku-Payments Association of South Africa (PASA) naku-National Consumer Commission. Lokhu kusiza ekuvimbeleni ukuthi bangakhohlisi abanye.
• Hlola Izitatimende Zakho Njalo: Yenza lokho kube umkhuba. Ngosuku okukhokhelwa ngalo isibonelelo sakho, hlola ukuthengiselana kwakho. Uma usheshe ubone ukudonswa kwemali okungafanele, kuba lula ukukubuyisela emuva.

Imali Ebolekiwe kanye ‘Nekhredithi Elula’: Indlela Esheshayo Yokulahlekelwa Isibonelelo Sakho

Lapho imali yesibonelelo sakho iphela, ukunxenxa kwemali ebolekiwe kungaba namandla. Kodwa labo ababolekisa ngemali (loan sharks) ngisho nabanye abahlinzeki bekhredithi ababhalisiwe bayabadla abamukeli bezibonelelo ze-SASSA. Banikeza ikhredithi ’elula’ ngamanani enzalo aphezulu kakhulu, bakubambezele esikweletini lapho isibonelelo sakho sonke siphela ngaphambi kokuba usibone. Isibonelelo se-SASSA akufanele sisetshenziswe njengesibambiso semalimboleko. Gwema noma yimuphi umhlinzeki wekhredithi osebenzisa i-khadi lakho le-SASSA njengesibambiso. Uma isicelo sakho sesibonelelo sanqatshwa ngokungafanele futhi udesperet, kungcono ukulandela inqubo esemthethweni echazwe ku-[SASSA Appeals Guide] kunokuba uphendukele kubabolekisi abayingozi.

Ikusasa Lokukhokhelwa Kwe-SASSA: Yini Okufanele Uyilindele Ngo-2026

Umkhuba ucacile: I-SASSA isuka ezindaweni zokukhokha zemali ephathekayo kanye nesistimu ye-Postbank iqonde ohlelweni lokukhokha lwedijithali, oluqondise ebhange. Lokhu kushintsha kuhloswe ukunciphisa izingozi zemali ephethwe, ukunciphisa ukukhwabanisa, nokunikeza abamukeli bezibonelelo inkululeko yokusebenzisa imali kanye nokulawula okwengeziwe. Yize ushintsho lungaba nezinkinga zokuqala, ukwamukela i-akhawunti yasebhange ephephile nenezindleko eziphansi manje kuzokwenza ube phambili futhi kuqinisekise ukuthi izinkokhelo zakho zesibonelelo zizolile iminyaka ezayo.

FAQs

Iyiphi ibhange elihamba phambili lezibonelelo ze-SASSA ngo-2025?

Alikho ibhange elilodwa ’elihamba phambili’, kodwa izinketho ezinhle kakhulu zabamukeli bezibonelelo ze-SASSA ngo-2025 ngokuvamile ama-akhawunti edijithali noma anezindleko eziphansi. I-TymeBank, i-Capitec’s Global One account, ne-Bank Zero yizinketho ezinhle kakhulu ngoba ngokuvamile azinazo izindleko zenyanga, zinezinselele zokukhipha imali ezishibhile kubathengisi, futhi zine-app enamandla yokulawula imali yakho nokumisa ukudonswa okungafuneki.

Ngingayisebenzisa i-Capitec yesibonelelo sami se-SASSA R350?

Yebo, impela. I-Capitec ingenye yezinketho ezithandwa kakhulu zabamukeli bezibonelelo ze-SASSA. Ungashintsha kalula isibonelelo sakho sika-R350 sisiyiswe ku-akhawunti ye-Capitec usebenzisa ingosi esemthethweni ye-SASSA online. Vele uqinisekise ukuthi i-akhawunti isegameni lakho.

Ngingawumisa kanjani umshwalense womngcwabo ukuthi ungadonsi esibonelelweni sami se-SASSA?

Unelungelo lokukhansela noma iyiphi inqubomgomo. Okokuqala, thinta umhlinzeki womshwalense ngqo ukuze ukhansele. Okwesibili, yala ibhange lakho ukuthi livimbele ukudonswa kwemali. Ungakwenza lokhu nge-app yasebhange lakho, egatsheni, noma ngocingo lwebhange. Yenza kokubili ukuze uqinisekise ukuthi ukudonswa kuyama unomphela.

Kungani imali yami ye-SASSA ibincane kule nyanga kunanani eligcwele?

Lokhu cishe kungenxa yezindleko zebhange noma ukudonswa kwemali. Hlola isitatimende sakho sasebhange noma umlando wokuthengiselana ngokushesha. Kuzokukhombisa ukuthi imali iyephi ngempela. Uma bekuyizindleko, cabanga ngokushintshela ebhange elishibhile. Uma bekungukudonswa kwemali ongakuqapheli, phikisana ngakho ngokushesha.

Ngingakwazi namanje ukusebenzisa i-SASSA Gold Card yami ngoZibandlela (December) 2025?

Yebo, ama-SASSA Gold Cards angaphelelwa yisikhathi asasebenza. Kodwa-ke, i-SASSA kanye noMnyango Wezokuthuthukiswa Komphakathi bakhuthaza kakhulu bonke abamukeli bezibonelelo ukuthi bashintshele kuma-akhawunti asebhange azimele ukuze bathole ukwethembeka okwengeziwe, ukuphepha, nezindleko eziphansi. Isistimu ye-Gold Card isususwa kancane kancane.

Kwenzekani uma ngishintsha imininingwane yami yasebhange phakathi nenyanga?

I-SASSA icubungula izinkokhelo ngokusekelwe emininingwaneni enayo ngosuku oluthile lokunqamula inyanga ngayinye. Uma ushintsha imininingwane yakho ngemuva kwalolu suku, inkokhelo yakho yenyanga yamanje izoya ku-akhawunti yakho endala. Imininingwane emisha izosetshenziswa kuphela kusukela kumjikelezo wokukhokha wenyanga elandelayo.

Kuphephile yini ukuthi isibonelelo sami se-SASSA sikhokhelwe ku-akhawunti yasebhange?

Yebo, ngokuvamile kuphephe kakhulu kunokuqoqa imali ephathekayo (cash). Imali yakho ivikelwe izinhlelo zokuphepha zebhange. Okusemqoka ukukhetha ibhange elithembekile, ugcine i-PIN yakho nemininingwane ye-app yasebhange iyimfihlo, futhi ungayabelani nomuntu.

Ngizihlola kanjani izindlela zokudonswa kwemali ezingekho emthethweni ku-akhawunti yami?

Ngena kwi-app yakho yasebhange noma uthole i-mini-statement kwi-ATM. Bheka yonke into edonsiwe. Noma iyiphi inkokhelo ephuma iya egameni lenkampani ongayazi ingaba ukudonswa kwemali okungekho emthethweni noma okungagunyaziwe. Amabhange athembekile manje anikeza izinsizakalo ezifana ne-DebiCheck, ezidinga ukuthi uvume ukudonswa okusha ngaphambi kokuba kuqhutshwe.