Here are our fees and limits.
Fees
Top-up
Top-up with EFT | Free |
Salary deposit | Free |
Cash in at till | R19.95 per deposit |
Top-up with linked bank card/ | You may make one linked bank card top-up per month for free, limited to R1000. Thereafter a fee of 3% of the amount topped-up will be applied. You may top-up to a total amount of R3000 per day using your linked bank card/s. |
Cash-out
Cash-out with EFT | |
Local | R5 |
Cash-out in store |
|
Local | R6 + 0.5% of cash-out value |
Cash-out with purchase | |
Local | R6 + 0.5% of cash-out value |
ATM
Cash withdrawal | |
Local | R6 + 1.4% of cash withdrawal value |
International | R65 |
ATM balance enquiry | |
Local | R5 |
Declined transaction |
|
Local | R1.50 |
Spot Me Now - Buy Now, Pay Later
Instalment | R0 |
Instalment Default | R125 per missed instalment |
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 |
Purchases with card | |
Local | Free |
Disputes
Disputed transaction | Minimum - R55 (additional fees may apply) |
Physical debit card
First Spot debit card | R29 |
Replacement card | R29 |
Transaction limits
Total transactions | Total amount | |
Per day* | 50 | R30 000 |
Per month | 120 | R50 000 |
Per annum | 1080 | R600 000 |
*You may make one linked bank card top-up per month for free, limited to R1000. Thereafter a fee of 3% of the amount topped-up will be applied.
You may top-up to a total amount of R3000 per day using your linked bank card/s.
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 |