• Track your repayment progress
• Plan your budget each month
• Catch any errors or wrong charges
• Know exactly when your loan ends
• Check if you can pay it off early

Step-by-Step Instructions:

1. Open your phone’s dialler (like you are making a call)
2. Type *120*225#
3. Press the call button
4. Enter your banking PIN when asked
5. If first time, accept the terms and conditions
6. Choose “Balance Enquiry” from the menu
7. Select your loan account
8. Your balance will show on screen

You must first register for cellphone banking. You can register online or at any African Bank branch. Have your ID ready.

How to Download and Use:

1. Go to Google Play Store (Android) or App Store (iPhone)
2. Search for “African Bank”
3. Download the official African Bank app
4. Open the app and register with your ID, email and phone number
5. Create your username and PIN
6. Log in to the app
7. Your loan balance shows on the home screen
8. Tap on the loan account for more details

• Check all account balances
• Get loan statements
• Request settlement quotes
• Make payments
• Stop or dispute debit orders
• Get paid-up letters

Step-by-Step Instructions:

1. Go to www.africanbank.co.za
2. Click “Login” in the top right corner
3. Enter your username and PIN
4. Your dashboard will show all your accounts
5. Click on your loan account to see the balance
6. You can also view transaction history

1. Go to www.africanbank.co.za
2. Click “Register” in the top right
3. Enter your ID number, email and phone number
4. Create a username and PIN
5. You will get an OTP (one-time PIN) on your phone
6. Enter the OTP to confirm
7. Accept the terms and conditions
8. You can now log in and check your balance

Call during off-peak hours (early morning or late afternoon) for shorter waiting times. Operating hours are Monday to Friday, 8:00 to 17:00.

Step-by-Step Instructions:

1. Find an African Bank ATM
2. Insert your African Bank debit card
3. Enter your PIN
4. Select “Account Balance” or “Balance Enquiry”
5. Choose your loan account
6. Your balance will show on screen
7. You can choose to print a slip

Balance enquiries at African Bank ATMs are usually free. But using another bank’s ATM may cost you a fee. Always try to use African Bank ATMs.

What to Bring:

• Your South African ID (green barcoded ID or Smart ID card)
• Your loan account number (if you have it)
• Your African Bank card (if you have one)

1. Go to www.africanbank.co.za
2. Click on “Branch Locator”
3. Enter your town or city name
4. It will show branches near you with addresses and hours

How to Use WhatsApp Banking:

1. Save this number to your phone: 060 012 3716
2. Open WhatsApp
3. Find the contact “African Bank” or the number you saved
4. Send “Hi” to start
5. Follow the menu options
6. You can ask about your loan balance

You must first register for online banking before you can use WhatsApp banking. WhatsApp is mainly used for queries and uploading documents.

Online Banking Method:

1. Log in to African Bank online banking
2. Select your loan account
3. Go to “Account Documents” or “Statements”
4. Click “Get Statement”
5. Choose the date range you need
6. Download or print your statement

1. Open the African Bank app
2. Go to “General Banking”
3. Select “Get a Statement”
4. Choose your loan account
5. The statement will be sent to your email

Ways to Get a Settlement Quote:

• Outstanding balance
• Interest up to the settlement date
• Any insurance amounts
• Service fees
• Total amount to pay

Note: The quote is valid only for the date shown. Pay before that date or get a new quote.

🔴 Common Scams to Watch For:

✅ African Bank Will NEVER:

• NEVER ask for your PIN or password by phone, SMS or email
• NEVER ask for your OTP (one-time PIN)
• NEVER ask you to transfer money to a “safe account”
• NEVER send you links to download the app via SMS or WhatsApp
• NEVER call and ask you to scan QR codes

🛡️ How to Stay Safe:

• If someone calls claiming to be from the bank, hang up and call 0861 111 011 yourself
• Only download the African Bank app from Google Play or App Store
• Never click links in SMS or email – type the website address yourself
• Keep your PIN secret – never share it with anyone
• Check your balance often to spot strange transactions
• If your phone suddenly loses signal, call your network immediately

1. Call African Bank immediately: 0861 000 555 (to stop your card)
2. Report to SABRIC (Banking Risk Centre)
3. Report to the police (get a case number)
4. Contact your mobile network if you suspect SIM swap

• Customer Service: Monday to Friday, 8:00 – 17:00
• Credit Life Insurance: Monday to Friday, 8:00 – 19:00
• Online Banking & App: 24 hours, 7 days a week
• USSD: 24 hours, 7 days a week

Your Rights Include:

• Right to a statement: You can ask for a free statement once a month
• Right to settle early: You can pay off your loan before the end date
• Right to information: The bank must explain all fees and interest clearly
• Right to complain: You can lodge a complaint if you are unhappy
• Right to cancel: You can cancel credit within 5 business days of signing
• Right to debt review: You can apply for debt counselling if you cannot pay

📋 Where to Complain:

Options If You Cannot Pay:

• Payment arrangement: Call 011 207 4500 to make a new payment plan
• Payment break: Request a payment holiday on the app (for qualifying loans)
• Debt counselling: Contact 011 256 9323 or debtreview@africanbank.co.za
• Reduce payments: Ask about extending your loan term to lower monthly payments

If you do not pay and do not contact the bank, they can charge default fees. They can also report you to the credit bureau. This will affect your credit score. Always talk to African Bank if you have problems paying.