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/ | 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 (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 |
*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 |
We don’t mess around when it comes to your money.
To keep you safe, we need you to digitally verify your account in line with FICA (Financial Intelligence Centre Act). Grab your ID, passport or driver's license when you’re ready to sign up.
