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Code Cash is a South African personal finance resource helping everyday people navigate banking, loans, saving, investing, and government grants. Our guides are written in plain language with practical, step-by-step instructions you can use right now. Whether you need to reverse a payment, compare transfer times, or understand your SASSA grant status, we have got you covered.

Bank Zero

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Bank Zero South Africa: Complete Guide to Zero-Fee Digital Banking Everything you need to know about South Africa’s innovative digital bank Last updated: December 2025 Quick Facts About Bank Zero R0 monthly account fees for everyone Free EFTs, debit orders, and card payments Patented anti-fraud debit card technology Open account in 5 minutes from your … Read more

South Africa Crypto Tax Guide

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South Africa Crypto Tax Guide 2025 How SARS taxes Bitcoin, Ethereum and all crypto assets Last updated: December 2025 Quick Facts SARS taxes all crypto as assets, not currency Tax rates: 18% max for capital gains, up to 45% for trading income R40,000 annual capital gains exclusion available Deadlines: 20 October 2025 (non-provisional), 19 January … Read more

Applying for a Home Loan

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How to Apply for a Home Loan in South Africa Your complete guide to getting approved and buying your first home Last updated: December 2025 Quick Facts Current prime interest rate: 10.25% (as of November 2025) Minimum credit score needed: 610 points First Home Finance subsidy: R30,001 – R130,505 available Average approval time: 7-14 days … Read more

Discovery Rewards

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Discovery Rewards Complete Guide: How to Earn and Use Discovery Miles in South Africa Everything you need to know about Discovery’s reward programs Last updated: December 2025 Quick Facts Discovery Miles are worth more than cash (R1.23 for every R1 value) You can earn Miles through healthy living, safe driving, and smart spending Three main … Read more

Insurtech

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What is Insurtech? Complete Guide to Insurance Technology in South Africa Understanding digital insurance and how it can save you money Last updated: December 2025 Quick Facts Get insurance quotes in 90 seconds using your phone Premiums from R85 per month for item cover Car insurance from R531 per month (risk-dependent) All insurtech companies must … Read more

Tax-Free Savings Accounts

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Tax-Free Savings Accounts South Africa 2025 Complete guide to saving money without paying tax in South Africa Last updated: December 2025 Quick Facts About TFSAs Save up to R36,000 per year tax-free Lifetime limit of R500,000 per person No tax on interest, dividends, or growth Withdraw money anytime without penalty Available from all major South … Read more

South African Reserve Bank

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Understanding the South African Reserve Bank (SARB) Your complete guide to South Africa’s central bank Last updated: December 2025 Quick Facts SARB controls interest rates in South Africa Current repo rate: 6.75% (November 2025) Current inflation: 3.6% (October 2025) SARB is South Africa’s only issuer of banknotes and coins Does NOT hold money for individuals … Read more

Emergency Fund Accounts

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Emergency Fund Accounts in South Africa: Your Complete Savings Safety Net Guide Build financial security with the right emergency savings account Last updated: December 2025 Quick Facts You need 3-6 months of expenses saved TymeBank offers up to 10% interest on savings Capitec requires only R30 to open an account Your money is safe in … Read more

Saving Apps to Help You Manage Your Finances

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Best Saving Apps to Help You Manage Your Finances in South Africa Complete guide for South African residents Last updated: November 2025 Quick Facts Most budgeting apps like 22seven and Mint are completely free You can start investing with as little as R10 on EasyEquities TymeBank GoalSave offers up to 11% interest on savings Always … Read more

Digital Wallets

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Digital Wallets in South Africa: Your Complete Safety Guide Safe mobile payments for South African residents Last updated: December 2025 Quick Facts 99.3% of South Africans use smartphones for payments Digital wallet use grew 8% annually in 2025 Most wallets charge no monthly fees Digital fraud losses reached R1.9 billion in 2024 All legitimate wallets … Read more