Get Spot

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

© Copyright Spot Money SA (Pty) Ltd 2021