Here are our fees and limits.
Fees
Top-up
| Top-up with EFT | Free |
| Top-up in store | Free |
| Salary deposit | Free |
| Top-up with linked bank card | 1 top-up to a max. of R1000 is free once per month. Thereafter, a 3% fee of the amount topped-up applies (e.g. if you top-up with R100 after your first top-up, you'll pay R3). |
Cash-out
| Cash-out with EFT | |
| Local | R5 |
| Cash-out in store (non-wiCode) |
|
| Local | R6 + 0.5% of cash-out value |
| International | R65 |
| Cash-out in store (wiCode) |
|
| Local | R8 + 0.5% of cash-out value |
| Cash-out with purchase | |
| Local | R6 + 0.5% of cash-out value |
| International | R65 |
ATM
| Cash withdrawal | |
| Local | R6 + 1.4% of cash withdrawal value |
| International | R65 |
| ATM balance enquiry | |
| Local | R5 |
| International | R8 |
| Declined transaction (not enough cash / 3 failed PIN attempts) |
|
| Local | R1.50 |
| International | R18 |
Transactions
| Buy airtime or data | Free |
| Buy prepaid electricity | Free |
| Pay municipal bill | Free |
| Pay school fees | Free |
| Pay DStv | Free |
Peer to peer
| Send cash (Spot to Spot) | Free |
| Request cash (Spot to Spot) | Free |
Purchases
| Purchases with app | |
| Local | Free |
| International | Free |
| Purchases with card | |
| Local | Free |
| International | Free |
Disputes
| Disputed transaction | Minimum - R55 (additional fees may apply) |
Physical debit card
| First Spot debit card | Free |
| Replacement card | R125 |
Transaction limits
| Total transactions | Total amount | |
| Per day* | 15 | R30 000 |
| Per month | 90 | R50 000 |
| Per annum | 1080 | R600 000 |
*1 top-up to a max. of R1000 is free once per month. Thereafter, a 3% fee of the amount topped-up applies (e.g. if you top-up with R100 after your first top-up, you'll pay R3).
Cash-out limits
| Cash-out | R3 000 per day R10 000 per month R120 000 per annum |
|
| Cash withdrawal at participating retailers |
R1 000 per day R2 500 per month R30 000 per annum |
|
| Purchases with cashback rewards | R1 000 per day R1 500 per month R18 000 per annum |
Download Spot
