Practical money guides for South Africans
Practical guides to budgeting, debt management, credit scores, loans, insurance, and everyday money decisions for South Africans.
WhatsApp Money Scams: Every Trick Explained 2025 Protect yourself from AI deepfakes, voice cloning and hijacking scams Last updated: December 2025 🚨 Critical Warnings Scammers now use AI to clone voices from your social media Over 28.8 million South Africans use WhatsApp daily One victim lost R6 million to AI-powered scams in 2025 WhatsApp NEVER … Read more
PayFlex vs MoreTyme: Complete Comparison 2025 Everything you need to know about South Africa’s top Buy Now Pay Later services Last updated: December 2025 Quick Facts Both offer interest-free payment plans PayFlex: 4 payments over 6 weeks OR 3 payments over 3 months MoreTyme: 3 payments over 60 days (2 months) Late fees apply if … Read more
PayJoy Smartphone Financing Guide: Get a Phone with Weekly Payments Complete guide for South African residents Last updated: December 2025 Quick Facts About PayJoy Only need your SA ID and small deposit to apply No bank account or credit card needed Pay weekly over 3 to 12 months Available at PEP, Ackermans, Cellucity stores Phone … Read more
PayJustNow: Complete Guide to Buy Now Pay Later in South Africa Everything you need to know about splitting payments in 2025 Last updated: December 2024 Quick Facts Split purchases into 3 equal payments with 0% interest Pay first instalment at checkout, next 2 on salary dates Late payment fee: R145 per missed payment (max 25% … Read more
Edgars Account: Complete Guide for South African Consumers Everything you need to know before opening an Edgars store account Last updated: December 2024 Quick Facts Minimum income: R2,000 per month required Monthly service fee: R34 (additional club fees may apply) 6 months interest-free at Edgars stores Can be used at 30,000+ stores nationwide WARNING: Many … Read more
Mama Money: Complete Guide to Sending Money Home from South Africa Safe, affordable money transfers for foreign nationals and South Africans Last updated: December 2025 | Licensed by SARB Quick Facts Transfer fees: 1% to 5% (much cheaper than banks) Send to 70+ countries across Africa, Asia, and Europe Over 1 million South Africans use … Read more
WorldRemit Money Transfer Guide for South Africa Complete guide for sending and receiving international money Last updated: December 2025 Quick Facts Send money to South Africa from 50+ countries Receive through bank, cash pickup, or mobile money Fees start from around R15-R50 per transfer Most transfers arrive within minutes to hours Maximum cash pickup: R50,000 … Read more
PEP Cash Send, Instant Money & E-wallet: Complete South African Guide How to send money to anyone without a bank account Last updated: December 2025 Quick Facts Send money to anyone with just a cellphone number Collect cash at 2,500+ PEP stores across South Africa Fees from R9.00 to R15.00 per transaction No bank account … Read more
Capitec Connect: Complete Guide to South Africa’s Fastest-Growing Mobile Network Affordable data, no contracts, and data that never expires Last updated: December 2025 Quick Facts South Africa’s fastest-growing mobile network (2.1 million active users) Data from R10 for 500MB – up to 80% cheaper than competitors Data that never expires option available No contracts required … Read more
Complete guide to Capitec Vouchers . Step-by-step instructions, where to buy, and how to redeem.