Kaelo Money Complete Guide: How to Access Early Wages and Emergency Loans
Employee financial wellness platform for South African workers
Last updated: December 2025
Table of Contents
1. What is Kaelo Money?
Kaelo Money is a financial wellness platform in South Africa. It helps employees access money they have already earned. You do not wait until payday to get paid.
The company is operated by VumaMoola (Pty) Ltd. They are registered with the National Credit Regulator. Their NCR number is NCRCP10398.
Kaelo Money is part of the Kaelo Lifestyle programme. Your employer must offer this benefit. You cannot sign up on your own.
Why Kaelo Money Exists
Many South African workers struggle between paydays. They run out of money before month-end. They borrow from loan sharks at high interest rates.
Kaelo Money provides a safer option. You access your own earned wages early. You do not pay high interest like loan sharks charge.
The platform also teaches financial wellness. It helps you budget better. It encourages saving instead of borrowing.
2. How Kaelo Money Works
Kaelo Money connects to your employer’s payroll system. It tracks the wages you have already earned. You can then access some of that money early.
The Basic Process
Step 1: You work your shifts or hours. Your wages accumulate in the system.
Step 2: You log into the Kaelo Money app or website.
Step 3: You see how much you have earned so far this month.
Step 4: You request early access to part of your wages.
Step 5: The money is paid into your bank account within one hour.
Step 6: On payday, the amount is deducted from your salary. You get the rest of your wages as normal.
How Repayment Works
Repayment happens automatically through your salary. Your employer deducts the money before paying you. You do not make separate payments.
This is called a “garnishee” or “payroll deduction”. The money comes off your payslip. It happens before any other deductions.
✅ 3. Services Available Through Kaelo Money
Kaelo Money offers five main services. Each one helps with different financial needs. Here is what you can access:
Service 1: Earned Wage Access
This is NOT a loan. It is your own money. You get early access to wages you already earned.
You can typically access up to 30% of your earned wages. Your employer sets the exact limit. Some allow 25%, others allow 50%.
The average employee in South Africa takes about 10% before payday. This helps cover small emergencies without borrowing.
Service 2: Emergency Wallet (Small Loans)
This IS a loan. You can borrow R1,000 to R1,500. The exact amount depends on your salary and financial situation.
These loans have a short term – up to 3 months. Interest is charged daily. The loan is paid back through your salary.
Kaelo Money assesses if you can afford the loan. They check your income and existing debts.
Service 3: Savings Platform
You can save money directly from your salary. Savings go into an interest-bearing account. You earn interest on your savings.
You choose how much to save. You can save once-off or set recurring amounts. You set your own savings goals.
To withdraw, you log in and request your money. You choose your payout method. Funds are transferred to you.
Service 4: Kaelo Money Marketplace
Buy essential items at discounted prices. Discounts are up to 3.5% off normal prices.
You can buy:
- Airtime and data bundles
- Electricity prepaid vouchers
- Transport vouchers
- Shopping vouchers for major retailers
You pay using funds from your Emergency Wallet or Earned Wage Access. You can also use Rewards Rands you earned.
Service 5: Rewards Programme
Earn points for using the financial wellness tools. The more you engage, the more points you earn.
Activities that earn points include:
- Completing budget planning exercises
- Saving money regularly
- Finishing financial education modules
- Using services responsibly
Your reward status moves through three levels:
- Bronze: Under 25 points (standard fees)
- Silver: 25-35 points (reduced fees)
- Gold: Over 35 points (lowest fees)
Higher status means lower fees on all services. You also get better discounts in the marketplace.
Service 6: Financial Wellness Support
Access to AskNelson platform services including:
- Financial coaching and advice
- Debt counselling assistance
- Budget planning tools
- Legal advice services
- Mental health counselling support
These services help address the stress that financial problems cause. They are available through the same platform.
4. Requirements to Use Kaelo Money
Not everyone can use Kaelo Money. You must meet certain requirements. Here is what you need:
Employment Requirements
✓ Employed by a Kaelo partner company
Your employer must have signed up for Kaelo Lifestyle. If they have not, you cannot use Kaelo Money. Ask your HR department if your company offers it.
✓ Proof of employment
You need a letter from your employer. It must confirm you work there. It must show your salary amount.
Banking Requirements
✓ Valid South African bank account
You must have your own bank account. It must be in your name. Shared accounts do not work.
✓ Three months’ bank statements
You must provide your last three bank statements. These show your income and spending. Kaelo Money uses these to assess affordability.
✓ Access to online banking
You need online or mobile banking access. Kaelo Money verifies your account online. This is for security purposes.
Identity and Address Requirements
✓ Valid South African ID or passport
You must have official identification. Your ID must not be expired. Foreign nationals can use a valid passport.
✓ Proof of address
You need proof of where you live. This can be a utility bill. It can be a bank statement. It must be dated within the last three months.
Credit Requirements
✓ Consent to credit checks
Kaelo Money will check your credit record. They look at your credit bureau profile. You must give permission for this check.
✓ Consent to affordability assessment
They will assess if you can afford repayments. They look at your income and expenses. They check existing debts you have.
5. How to Register for Kaelo Money
You cannot register yourself directly. Your employer must activate Kaelo Money first. Once they do, you can sign up.
Step-by-Step Registration Process
Step 1: Check if Your Employer Offers Kaelo Money
Ask your HR department if the company has Kaelo Lifestyle. If they do, ask about Kaelo Money access.
If your employer does not offer it, you cannot use Kaelo Money. Consider asking HR to investigate the benefit.
Step 2: Receive Invitation from Kaelo Money
Once your employer activates the service, Kaelo Money sends invitations. You receive an SMS to your phone. If they have your email, you also get an email.
The invitation contains a link to register. It also contains instructions to follow.
Step 3: Complete Online Registration Form
Click the link in your invitation. Fill in the registration form. Provide your personal details including:
Step 4: Upload Required Documents
Upload clear photos or scans of:
- Your South African ID (both sides)
- Proof of address (recent utility bill or bank statement)
- Three months’ bank statements
Make sure documents are clear and readable. Blurry photos will be rejected.
Step 5: Verify Your Banking Details
Kaelo Money needs to verify your bank account. They may ask you to log into online banking. This confirms the account belongs to you.
They may also make a small test deposit. You confirm the amount to prove account ownership.
Step 6: Consent to Credit Checks
You must give permission for Kaelo Money to:
- Check your credit bureau record
- Assess your affordability
- Verify your employment details
- Report your payment behaviour to credit bureaus
Read the terms and conditions carefully. Tick the boxes to give consent.
Step 7: Wait for Approval
Kaelo Money reviews your application. This usually takes 24-48 hours. They check your documents and verify your details.
You receive notification by SMS or email. They tell you if you are approved.
Step 8: Download the App or Access Online
Once approved, download the Kaelo Money app. It is available on:
- Google Play Store (for Android phones)
- Apple App Store (for iPhones)
You can also use the website on any computer or phone browser.
If Your Details Change
If your phone number changes, tell your payroll department. If your bank account changes, update Kaelo Money immediately.
If your details are not up to date, you cannot access services. Keep your information current at all times.
6. Costs and Fees for Kaelo Money
Kaelo Money charges fees when you use their services. Registration is free. You only pay when you take money out.
Fee Structure Overview
| Service | Cost Structure |
|---|---|
| Registration | R0 – Completely free |
| Monthly Membership | R0 – No monthly fees |
| Earned Wage Access | Service fee + Transaction fee (Varies by reward status) |
| Emergency Wallet (Loans) | Daily interest charged (No upfront fees) |
| Marketplace Purchases | Discounted prices (save up to 3.5%) |
| Savings Account | No fees – Earn interest on savings |
Earned Wage Access Fees
When you access earned wages, you pay two types of fees:
1. Service Fee: This covers the cost of the transaction. The exact amount varies based on your reward status.
2. Transaction Fee: This covers the bank transfer cost. It pays for sending money to your account.
3. Instant Payment Option: If you need money immediately, this costs slightly more. Standard payment takes up to one hour.
Emergency Wallet Loan Costs
Emergency wallet loans charge interest. Interest is calculated daily. The daily rate is set by Kaelo Money.
The National Credit Act limits how much interest can be charged. The maximum is 5% per month. This equals about 60% per year.
Kaelo Money charges interest every day. Interest is added to your loan balance monthly. You pay back the full amount through your salary.
Reward Status Discounts
As you earn more reward points, your fees decrease. Here is how the system works:
| Reward Status | Points Required | Benefits |
|---|---|---|
| Bronze | Under 25 points | Standard fees apply |
| Silver | 25-35 points | Reduced fees on all services |
| Gold | Over 35 points | Lowest fees + best marketplace discounts |
What You Do NOT Pay For
- No registration fees
- No monthly membership costs
- No penalties for not using the service
- No hidden charges
- No subscription fees
Comparing Costs to Alternatives
Kaelo Money is cheaper than many alternatives:
| Option | Typical Cost |
|---|---|
| Kaelo Money Earned Wage Access | R20-R40 per R500 accessed |
| Informal Loan Sharks | 30% interest per month (illegal rates) |
| Payday Lenders | 5% per month + initiation fees |
| Bank Overdraft | R30-R150 monthly fees + 20% interest |
✅ 7. Safety and Consumer Protection
Kaelo Money is a regulated financial services provider. They must follow South African laws. Here are the protections you have:
Regulatory Registration and Oversight
✓ National Credit Regulator (NCR) Registration
NCR Registration Number: NCRCP10398
The NCR ensures Kaelo Money follows all credit laws. They must treat customers fairly. They cannot charge excessive interest rates.
✓ Financial Services Provider License
FSP Number: FSP53867
This license is issued by the Financial Sector Conduct Authority (FSCA). It confirms Kaelo Money is authorised to provide financial services.
✓ SACRRA Membership
Kaelo Money is a member of SACRRA (South African Risk and Reporting Agency). This means they report credit information responsibly.
Protection Under the National Credit Act
The National Credit Act protects you in several ways:
1. Affordability Assessment Required
Kaelo Money must check if you can afford repayments. They cannot lend you more than you can pay back. This prevents reckless lending.
2. Clear Information Disclosure
All fees and charges must be shown clearly. You must know the total cost before you agree. Hidden fees are illegal.
3. Maximum Interest Rate Limits
The law limits how much interest can be charged. For small loans, the maximum is 5% per month. Kaelo Money cannot exceed this limit.
4. Right to Information in Your Language
You can request documents in a language you understand. Terms must be explained clearly to you.
5. Right to Free Monthly Statements
You must receive statements showing what you owe. These statements are free. You do not pay for them.
Data Protection Under POPI Act
Your personal information is protected by law. The Protection of Personal Information (POPI) Act requires Kaelo Money to:
- Keep your information secure and confidential
- Use your data only for agreed purposes
- Not share your information without permission
- Allow you to access your own information
- Correct any incorrect information they hold
What Kaelo Money Cannot Do
❌ Cannot harass you for payment – Debt collection must be respectful and lawful
❌ Cannot charge fees not disclosed upfront – All costs must be clear before you agree
❌ Cannot lend if you cannot afford it – They must assess affordability first
❌ Cannot ignore your complaints – They must have a complaints procedure
❌ Cannot report false information to credit bureaus – All credit reporting must be accurate
🚨 8. Scam Warnings and Red Flags
While Kaelo Money itself is legitimate, scammers may impersonate them. South Africa has seen a surge in financial scams in 2025. Here is how to protect yourself:
Common Scams to Watch For
🚨 Scam Type 1: Fake Kaelo Money Representatives
Scammers call or message pretending to be from Kaelo Money. They ask for your banking details or PIN numbers.
Protection: Kaelo Money will never ask for your PIN, password or OTP codes. Never give these to anyone over the phone.
🚨 Scam Type 2: Upfront Fee Demands
Scammers claim you must pay a fee to “activate” Kaelo Money access. They say “pay R500 to unlock your R5,000 limit”.
Protection: Registration with Kaelo Money is free. Never pay upfront fees to access the service. This is always a scam.
🚨 Scam Type 3: Phishing SMS Messages
You receive SMS claiming to be from Kaelo Money. The message contains a link. It asks you to “verify your account” urgently.
Protection: Do not click links in unexpected SMS messages. Go directly to the official app or website instead.
🚨 Scam Type 4: WhatsApp Registration Code Scams
You receive a verification code for Kaelo Money registration. Then someone contacts you asking for that code. They claim they are “helping you register”.
Protection: Never share verification codes with anyone. These codes are for your use only. Sharing them gives scammers access.
🚨 Scam Type 5: Fake “Similar” Services
Scammers create fake apps or websites. They use names similar to Kaelo Money. Examples: “Kaelo Cash”, “Kaelo Quick Money”, “Kaelo Loans SA”.
Protection: Only use the official Kaelo Money app from official app stores. Check the company name is VumaMoola (Pty) Ltd.
Red Flags That Signal a Scam
⚠️ Requests for PIN or password – Legitimate companies never ask for these
⚠️ Urgency and pressure tactics – “Act now or lose your approval!”
⚠️ Upfront payment demands – “Pay R500 first to get your loan”
⚠️ Too-good-to-be-true promises – “Get R50,000 instantly with no checks!”
⚠️ Contact via WhatsApp only – Legitimate services have official channels
⚠️ Unverified links in messages – Always go directly to official websites
How to Verify It’s Really Kaelo Money
Step 1: Check the sender’s details carefully. Look for official company information.
Step 2: Contact Kaelo Money directly through official channels. Do not use contact details from suspicious messages.
Step 3: Verify through your employer’s HR department. They can confirm if communications are legitimate.
Step 4: Check the NCR register online. Confirm Kaelo Money’s registration number: NCRCP10398
What to Do If You’ve Been Scammed
1. Contact Your Bank Immediately
Report the fraud. They may be able to reverse the transaction. They can also block your cards for security.
2. Report to SABRIC
South African Banking Risk Information Centre collects scam data. Report on their website or call 0860 123 000.
3. Open a Case at Police Station
Report the fraud to SAPS. Get a case number. This is needed for insurance or recovery claims.
4. Inform Real Kaelo Money
Contact the legitimate Kaelo Money service. Report that scammers are using their name. This helps them warn other users.
5. Check Your Credit Report
Scammers may have stolen your identity. Get your free annual credit report. Check for unauthorized accounts.
9. Alternatives to Kaelo Money
If your employer does not offer Kaelo Money, other options exist. Here are similar services and alternatives in South Africa:
Other Earned Wage Access Providers
Paymenow
This is Africa’s largest earned wage access provider. They serve nearly 500,000 active users across South Africa, Namibia and Zambia.
Key Features:
- Access wages you have already earned
- No interest charges – only small fees
- Financial education and wellness tools
- Savings options available
- Free to employers
How It Works: Employer must sign up first. Average users take 10% of monthly wages early.
Contact: Website: paymenow.live | Based in Stellenbosch
TymeBank
TymeBank is a digital bank offering earned wage access. They partner with employers through PaySpace platform.
Key Features:
- Full digital banking services
- Earned wage access for employees
- No monthly account fees
- Easy mobile app interface
How It Works: Your employer must partner with TymeBank. You open a TymeBank account.
Contact: Visit any Pick n Pay or Boxer store | Call 0860 999 119
Paycurve
Paycurve is another employer-integrated earned wage access provider. They focus on financial wellness for employees.
How It Works: Works similarly to Kaelo Money and Paymenow. Employer must offer the benefit first.
JEM HR
JEM HR provides HR solutions including earned wage access. They integrate with company payroll systems.
How It Works: Part of broader HR platform. Available only through participating employers.
Traditional Banking Alternatives
Bank Overdraft Facilities
Most banks offer overdraft protection on current accounts. You can spend more than your balance.
Typical Costs: R30-R150 monthly fee plus 20% interest per year
Pros: Quick access to extra funds. No separate loan application needed.
Cons: Can be expensive with monthly fees. Easy to overspend.
Personal Loans from Banks
Banks offer personal loans from R1,000 to R250,000. These have longer repayment terms.
Typical Costs: Interest rates from 10% to 27% per year. Plus initiation fees.
Pros: Larger amounts available. Predictable monthly payments.
Cons: Requires credit check. May take days to get approved. Long-term commitment.
Other Options for Emergency Cash
Stokvels (Savings Clubs)
Traditional South African savings groups. Members contribute monthly. Each member gets a payout in rotation.
Pros: No interest or fees. Community support. Forced savings discipline.
Cons: Requires trust in group. Not instant access. Must wait for your turn.
Emergency Savings Fund
Build your own emergency fund gradually. Save a small amount each month. Keep it in a separate savings account.
Target: Try to save R1,000 to R5,000 for emergencies. This prevents needing to borrow.
Pros: No fees or interest. Complete control. Financial security.
Cons: Takes time to build up. Requires discipline. Temptation to use for non-emergencies.
What to Avoid
🚨 Never Use Loan Sharks
Informal money lenders charge illegal interest rates. They use intimidation and threats. They trap you in endless debt. Rather go hungry for a day than borrow from loan sharks.
🚨 Avoid Unregistered Lenders
Always check if lenders are NCR registered. Unregistered lenders operate illegally. You have no legal protection if things go wrong.
🚨 Stay Away from “Mashonisa” System
This informal lending system charges 30% interest per month. This equals 360% per year. It is illegal but common. Once you start, escaping is extremely difficult.
✅ 10. Your Consumer Rights
As a user of Kaelo Money, you have specific legal rights. The National Credit Act protects you. Here are your key rights:
Right 1: Apply for Credit
You have the right to apply for any credit product. Credit providers cannot discriminate unfairly. Rejection must have valid reasons.
Right 2: Know Why You Were Declined
If your application is declined, you must be told why. The reason must be clear and in writing. You can ask questions about the decision.
Right 3: Receive Clear Information
All costs must be disclosed upfront. This includes:
- Interest rates charged
- All fees and charges
- Total amount you will pay back
- How long repayment takes
- What happens if you miss payments
Right 4: Documents in Your Language
You can request credit agreements in any official language. Documents must be clear and understandable. Complex terms must be explained.
Right 5: Free Monthly Statements
You must receive regular statements showing:
- How much you owe
- Payments you have made
- Interest charged
- Any fees applied
These statements are free. You should not be charged for them.
Right 6: Free Annual Credit Report
You can get one free credit report per year. This comes from each credit bureau. Use these to check:
- All accounts in your name
- Your payment history
- Any adverse listings
- Your credit score
Right 7: Dispute Incorrect Information
If credit bureau information is wrong, you can dispute it. The bureau must investigate. Incorrect information must be removed. This service is free.
Right 8: Protection from False Advertising
Credit providers cannot mislead you. All advertising must be truthful. Hidden terms and conditions are illegal.
Right 9: Protection from Reckless Lending
Lenders must not give you credit you cannot afford. They must:
- Check your income
- Review your expenses
- Consider existing debts
- Assess if you can repay
If they lend recklessly, you can complain. The debt may be reduced or cancelled.
Right 10: Access Debt Counselling
If you are over-indebted, you can apply for debt review. This is a legal process. A debt counsellor helps restructure your debts.
During debt review:
- You make one affordable payment
- Creditors cannot harass you
- Interest rates may be reduced
- Repayment terms are extended
11. How to Make a Complaint
If you have problems with Kaelo Money, follow these steps. There is a clear process to resolve issues.
Step 1: Contact Kaelo Money Directly
Always try to resolve issues with Kaelo Money first. Contact them through:
Kaelo Money Contact Details:
📍 Address: 2nd Floor, East Wing, The Oval
Wanderers Office Park, 52 Corlett Drive
Illovo, Johannesburg, 2196
📧 Email: Use the contact form on their website
🌐 Website: www.kaelo.co.za
When complaining, include:
- Your full name and ID number
- Your employee/member number
- Clear description of the problem
- When the problem occurred
- What you want them to do
- Copies of relevant documents
Keep records of all communication. Save emails and SMS messages. Note dates and times of phone calls.
Step 2: If Kaelo Money Does Not Resolve It
Give them reasonable time to respond. Usually 20 working days is reasonable. If they do not help, escalate further.
Step 3: Contact the National Credit Regulator
National Credit Regulator (NCR):
☎️ Call Centre: 0860 627 627
📧 Email: complaints@ncr.org.za
📧 General Email: info@ncr.org.za
📍 Address: 127-15th Road, Randjespark
Midrand, 1685
🌐 Website: www.ncr.org.za
The NCR can help with:
- Complaints about credit providers
- Reckless lending issues
- Incorrect credit information
- Overcharging or hidden fees
- Harassment by debt collectors
Step 4: Other Complaint Options
Banking Ombudsman:
For banking-related issues
☎️ Phone: 0860 800 900
📧 Email: info@obssa.co.za
🌐 Website: www.obssa.co.za
Financial Sector Conduct Authority (FSCA):
For financial services complaints
☎️ Phone: 0800 110 443 (toll-free)
📧 Email: info@fsca.co.za
🌐 Website: www.fsca.co.za
National Consumer Commission:
For general consumer issues
☎️ Phone: 0860 003 600
📧 Email: complaints@thencc.org.za
🌐 Website: www.thencc.org.za
Credit Information Ombudsman:
For credit bureau complaints
☎️ Phone: 0861 662 837
📧 Email: ombud@creditombud.org.za
🌐 Website: www.creditombud.org.za
Tips for Effective Complaints
✓ Be specific: Clearly state what went wrong. Provide dates and amounts.
✓ Stay calm: Remain polite and professional. Angry complaints are less effective.
✓ Keep records: Document everything. Save all communications and documents.
✓ Follow up: Do not assume your complaint is being handled. Check progress regularly.
✓ Know what you want: Be clear about the outcome you seek. Resolution or refund?
12. Our Final Recommendations
Who Should Use Kaelo Money?
✓ Good fit for:
- Employees whose company offers the benefit
- Workers who occasionally need cash before payday
- People trying to avoid loan sharks
- Employees wanting to improve financial literacy
- Those who need small emergency amounts
✗ Not suitable for:
- People whose employer does not offer it
- Those needing large loan amounts
- Workers changing jobs frequently
- People who need long-term credit solutions
- Anyone already heavily indebted
Key Advantages of Kaelo Money
1. Safer than Loan Sharks
Regulated rates and proper legal protection. No intimidation or threats.
2. Access Your Own Money Early
Earned wage access is not borrowing. It is your salary paid early.
3. Financial Wellness Support
Education and tools to improve money management skills.
4. Rewards for Good Behaviour
Lower fees as you use services responsibly and learn.
5. No Registration Costs
Free to sign up. Only pay when you use services.
Important Limitations to Consider
⚠️ Employer Dependent
If you change jobs, you lose access. New employer must offer it too.
⚠️ Small Loan Amounts
Maximum R1,500 may not cover major emergencies.
⚠️ Fees Apply
Not free to use. Fees can add up if used frequently.
⚠️ Credit Record Impact
Late or missed payments affect your credit score.
⚠️ Not a Long-Term Solution
Helps with short-term cash flow. Does not solve underlying financial problems.
Best Practices for Using Kaelo Money
1. Use earned wage access for true emergencies only
Do not access wages early just because you can. Use only when necessary.
2. Build an emergency fund simultaneously
Use the savings platform. Try to save R50-R100 per month. This reduces future need for advances.
3. Engage with financial wellness tools
Complete education modules. Use budget planning features. Earn reward points to reduce fees.
4. Always check fees before confirming
Review the cost each time. Compare to other options. Make sure it is worth it.
5. Never share your login details
Keep passwords secret. Use strong passwords. Enable two-factor authentication if available.
6. Monitor your credit record
Get your free annual credit report. Check that Kaelo Money reports accurately. Dispute any errors immediately.
The Bottom Line
Kaelo Money is a legitimate, regulated service. It helps employees access earned wages safely. It is far better than loan sharks.
However, it is not free. Fees apply when you use services. It also does not solve underlying financial problems.
Use it wisely as a safety net. Do not rely on it every month. Work towards building your own emergency savings.
If your employer offers Kaelo Money, it is worth registering. Having the option available brings peace of mind. But use it sparingly.
Most importantly, engage with the financial wellness tools. The real value is learning to manage money better. This breaks the cycle of living paycheck to paycheck.
Summary: Is Kaelo Money Right for You?
Kaelo Money is best for employees who:
- Need occasional access to earned wages before payday
- Want to avoid dangerous loan sharks
- Are committed to improving their financial wellness
- Work for a company offering the benefit
Remember: Kaelo Money is a tool, not a solution. Use it responsibly. Build savings alongside it. The goal is financial freedom, not dependency.
For help or complaints, contact the NCR at 0860 627 627 or email complaints@ncr.org.za
Disclaimer: This information is provided for educational purposes and was last updated in December 2025. Financial regulations, fees, and requirements may change. Kaelo Money is operated by VumaMoola (Pty) Ltd (NCR registration NCRCP10398, FSP 53867). Always verify current information with official sources before making financial decisions. We are not affiliated with Kaelo Money or VumaMoola (Pty) Ltd.
For complaints or disputes, contact the National Credit Regulator (NCR) at 0860 627 627 or the Financial Sector Conduct Authority (FSCA) at 0800 110 443 or visit www.fsca.co.za