Practical money guides for South Africans
N N 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 Prime interest rate: 10.75% since 25 September 2026 (SARB) 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 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
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
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 Repo rate: 7.25% since 25 September 2026 (SARB) Inflation: 4.4% (August 2026, per SARB) SARB is South Africa’s only issuer of banknotes and coins Does NOT hold … Read more
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
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 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
Complete Guide to Automated Investing in South Africa How to start investing with as little as R10 using robo advisors and investment apps Last updated: December 2025 Quick Facts Start investing from R10 with no minimum balance Automated platforms handle all buying and selling FSCA-regulated platforms protect your money Fees start from 0.25% per transaction … Read more
Credit Score Management in South Africa Your complete guide to understanding and improving your credit score Last updated: December 2025 Quick Facts Credit scores in South Africa range from 300 to 999 A score above 610 is considered good You can check your credit report free once a year Four main credit bureaus operate in … Read more
Crypto Wallets in South Africa: Complete Safety Guide Everything you need to know about digital wallets for cryptocurrency Last updated: December 2025 Quick Facts Crypto is legal but NOT legal tender in South Africa All exchanges must have FSCA licenses to operate legally Software wallets are free; hardware wallets cost R1,000-R4,500 South Africa lost R8 … Read more