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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

© Copyright Spot Money SA (Pty) Ltd 2020