Quick Facts

• Monthly fees range from R59 to R359 (depending on membership tier)
• Open to any South African citizen over 18 years old
• No Sanlam insurance required to join
• Save up to R12,500 annually on lifestyle benefits
• Cancel anytime with 30 days’ written notice

What is Sanlam Reality?

Sanlam Reality is a paid loyalty programme run by Sanlam Group. It helps South Africans save money on everyday expenses. Think of it like a membership club that gives you discounts.

You pay a monthly fee between R59 and R359. In return, you get discounts on things like gym membership, flights, movies, and insurance. The programme is managed by Real Futures (Pty) Ltd.

Important: You do NOT need Sanlam insurance to join. Anyone over 18 with South African citizenship can become a member.

Membership Tiers & Costs (November 2025)

Membership Tier	Monthly Cost	Who It’s For
Reality Club	R59 (including VAT)	Budget-conscious users
Reality Core (Single)	R129 (including VAT)	Individual users
Reality Core (Family)	R169 (including VAT)	Families
Reality Plus (Single)	R289 (including VAT)	Heavy users seeking maximum benefits
Reality Plus (Family)	R359 (including VAT)	Families wanting top-tier benefits

Payment method: Monthly debit order from your bank account. The debit shows as “Total SL-Debit” or “Real Futures (Pty) Ltd” on your bank statement.

✅ Benefits & Savings Available

Sanlam Reality claims members can save up to R12,500 per year. Benefits vary by membership tier. Here are the main categories:

Travel Discounts

• Reality Plus: Up to 25% off Emirates and FlySafair flights, plus free airport lounge access
• Reality Core: Up to 20% off FlySafair flights
• Accommodation: Up to 30% off on LekkeSlaap and Viya (self-catering properties)

Entertainment

• Nu Metro Cinemas: Up to 65% off standard 2D/3D movies, up to 40% off VIP and Xtreme
• Refreshments: Combo deals from R40
• Special: R35 movies Monday to Wednesday (Reality Core and Plus, excluding holidays)

Fitness & Health

• Reality Plus: Up to 80% off Planet Fitness membership
• Reality Core: Up to 60% off Planet Fitness membership

Financial Services

• Up to 30% off Sanlam Life Cover
• Free credit report access
• Credit profile monitoring
• Legal assistance benefit (free 30-minute consultation)

Education & Personal Services

• Free online education access (Boston Institute)
• Discounted Cambridge homeschooling
• Free CAPS supplementary support
• Free Social and Emotional Learning platform
• Personal assistant service for sourcing quotes

Internet & Technology

• Up to 20% off RSAWEB fibre connectivity
• ENTERTAINER app access (2-for-1 deals on food, beauty, leisure)

How to Join Sanlam Reality

Requirements to Join

• Must be 18 years or older
• Must be a South African citizen
• Need a valid South African ID number
• Need a bank account for debit order payments
• Do NOT need Sanlam insurance products

Step-by-Step Application Process

Contact for Help:

• Phone: 0860 732 548/9 (Reality Core, Plus, Health, Access members)
• Phone: 0860 00 7325 (Reality Club members)
• Email: info@sanlamreality.co.za

💰 Wealth Bonus Programme (For Sanlam Product Owners)

If you have Sanlam insurance or investment products, you may automatically earn Wealth Bonus. This is separate from Sanlam Reality membership.

What is Wealth Bonus?

Wealth Bonus is extra money added to your account when you buy certain Sanlam products. A percentage of your premium gets matched and saved for you. You can withdraw this money at specific times.

How It Works

• Sanlam adds bonus money to your account monthly
• The bonus earns interest while it’s saved
• Unlock dates vary by product (quarterly, annually, or at retirement)
• Extended Wealth Bonus available from age 70-100 on certain policies

Automatic Sanlam Reality Benefits

Clients earning Wealth Bonus get automatic access to Sanlam Reality lifestyle discounts at no extra cost. However, paid membership tiers offer more benefits.

How to Cancel Your Membership

You can cancel Sanlam Reality membership anytime. You must give 30 days’ written notice. This means you’ll pay for one more month after requesting cancellation.

Cancellation Methods

Method	Contact Details
Phone	0860 732 548/9 (Core/Plus/Health/Access) 0860 00 7325 (Club)
Email	info@sanlamreality.co.za
Fax	021 700 8750
Letter	Send written notice to Sanlam Reality (request postal address)

What to Include in Your Cancellation Request

• Full name and surname
• ID number
• Membership number
• Clear statement: “I want to cancel my Sanlam Reality membership”
• Date of your request
• Signature (if sending letter or fax)

Important Cancellation Rules

• You must give 30 days’ written notice
• You’ll pay for one more month after cancellation request
• No refunds on fees already debited
• All benefits stop when membership ends
• You can rejoin later if you change your mind

🚨 Scam Warnings & How to Stay Safe

Fraudsters often pretend to be from loyalty programmes. A TransUnion study found 68% of South Africans were targeted by fraud attempts in late 2024. Of those targeted, 13% became victims, losing an average of R12,518.

Common Sanlam Reality Scams

How to Protect Yourself

• Never click links in SMS or emails claiming to be from Sanlam Reality
• Don’t share passwords or banking PINs with anyone
• Check sender details carefully – look for spelling mistakes in email addresses
• Call official numbers directly if you receive suspicious messages
• Monitor bank statements monthly for unauthorised debit orders
• Use strong passwords and enable two-factor authentication where possible
• Be wary of “too good to be true” offers or prizes

Verify Before You Act

If you receive any suspicious communication claiming to be from Sanlam Reality:

• Don’t respond to the message
• Call Sanlam Reality on the official numbers: 0860 732 548/9 or 0860 00 7325
• Ask them directly if the communication is legitimate
• Report the scam to Sanlam and your bank immediately

Where to Report Fraud

Organisation	Contact
Sanlam Reality	0860 732 548/9 or info@sanlamreality.co.za
SABRIC (Banking Fraud)	www.sabric.co.za
Your Bank	Call immediately to stop fraudulent transactions
SAPS Cybercrime	10111 or visit your nearest police station

Your Consumer Rights Under South African Law

The Consumer Protection Act (CPA) protects you when using loyalty programmes like Sanlam Reality. Here are your key rights:

Rights Regarding Loyalty Programmes (Section 35 CPA)

• Clear information: Sanlam must clearly explain what benefits you get and how to access them
• Honour promises: They must provide all advertised benefits as described
• Fair terms: All terms and conditions must be fair and transparent
• Contact access: You must have easy access to customer service
• Benefit delivery: Loyalty benefits must work as advertised

Right to Fair Cancellation

Under the CPA, you have the right to cancel services. Sanlam Reality requires 30 days’ notice, which is reasonable. However:

• The company cannot make cancellation unreasonably difficult
• They cannot refuse legitimate cancellation requests
• They must stop debit orders after the notice period ends

Your Personal Information Rights (POPI Act)

The Protection of Personal Information Act (POPI) gives you rights over your data:

• Sanlam must keep your information secure
• They can only use your data for membership purposes
• They cannot share your information without permission
• You can request what information they hold about you
• You can ask them to correct wrong information

How to Complain

Unauthorised Debit Orders

If you see Sanlam Reality debit orders you didn’t authorise:

• Contact your bank immediately – They can reverse unauthorised debits
• Request a “stop order” – Your bank can block future deductions
• Report to Sanlam Reality – Call 0860 732 548/9
• File a fraud report – Contact SABRIC and SAPS
• Check your credit report – Ensure no other fraudulent activity

✅ Sanlam Reality is Worth It If:

• You regularly use gyms, travel by plane, or go to movies
• You can save more than the monthly fee (R59-R359) through discounts
• You prefer convenience of one membership for multiple benefits
• You already use partner services like Planet Fitness or FlySafair

❌ Skip Sanlam Reality If:

• You rarely use the partner benefits (gym, travel, cinema)
• Your budget is very tight and R59-R359/month is a struggle
• You already have other loyalty programmes covering similar benefits
• You prefer to save money rather than spend on discounts

Smart Money Tips

• Calculate your savings: Before joining, list the benefits you’ll actually use. Add up potential monthly savings. Only join if savings exceed the membership fee.
• Start with Reality Club: If unsure, begin with the R59 option. You can upgrade later if you find it valuable.
• Set calendar reminders: Use benefits regularly to get value for money. Schedule reminders to check partner offers monthly.
• Review after 3 months: Assess if you’re saving money. Cancel if the benefits don’t match your lifestyle.
• Protect your membership: Never share passwords or banking details. Watch for scam messages claiming to be from Sanlam Reality.