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How do I use a bank account?


You can save on bank fees when you

  • Avoid making deposits at a branch
  • Use the ATM to make deposits

You can also save on bank charges when you

  • Avoid making transfers at the branch
  • Use Cellphone or Online Banking
  • Use eWallet transfers to send money or pay other people

And when you withdraw money, you can save when you

  • Do not make withdrawals at the branch and at SASWITCH ATMs
  • Use your own bank's ATM to withdraw money
  • Swipe your card at the till

Why Should I be a Smart Saver?


How Do I Become a Smart Saver?


What Are Some Smart Ways to Save Every Day?


Why Should I Create a Smart Budget?


How Do I Get A Smart Start in Budgeting?


How Do I Create a Smart Budget?


Why Do I Need To Get Smart Insurance?


What is Short-Term Insurance?


What is Long-Term Insurance?


How Do I Get Smart Insurance?


How Do I Make a Claim from My Insurance Company?


Why should I get a bank account?


What are the different types of bank accounts?


How do I open a bank account?


Find a branch


How do I use a bank account?


How do I use a bank account?


You can save on bank fees when you

  • Avoid making deposits at a branch
  • Use the ATM to make deposits

You can also save on bank charges when you

  • Avoid making transfers at the branch
  • Use Cellphone or Online Banking
  • Use eWallet transfers to send money or pay other people

And when you withdraw money, you can save when you

  • Do not make withdrawals at the branch and at SASWITCH ATMs
  • Use your own bank's ATM to withdraw money
  • Swipe your card at the till

Your first steps


Become financially smart

Each section has a number of different financial questions that you might want to ask, with the right answers to guide you to becoming financially smart.

Saving


Make your money work for you

Have you ever heard someone say that they are going to pay for a big purchase with their 'savings' or talk about how they are 'saving up' for a holiday, or a car or a house?

Why should I be a smart saver?

(6.8MB)

Watch video

How do I become a smart saver?

(9.9MB)

Watch video

What are some smart ways to save every day?

(8.7MB)

Watch video

Budgeting


Know what you can afford

Drawing up a monthly budget and sticking to it may seem daunting, but it's easier than you think.

Once you have created a budget it will be easier to make all of your other spending decisions.

You will know immediately whether or not you can afford a certain item.

Why should I create a smart budget?

(5.5MB)

Watch video

How do I get a smart start in budgeting?

(9.3MB)

Watch video

How do I create a smart budget?

(7.1MB)

Watch video

Insuring


Be protected against loss, damage + theft

None of us know what the future will bring, which is why insurance is a good idea for those costly items that you can't afford to lose.When you start spending your money on things like a house, car, laptop or a TV, you will also want to protect these items against loss, damage or theft.If you have a family who are dependent on your income, you should also consider insuring your life against death and disability. That way, if anything happens to you, your family will be protected against any debts you leave behind, like your home loan repayments or funeral expenses.

Why do I need to get smart insurance?

(8.4MB)

Watch video

What is short-term insurance?

(9.4MB)

Watch video

What is long-term insurance?

(6.3MB)

Watch video

How do I get smart insurance?

(8.6MB)

Watch video

How do I make a claim from my insurance company?

(10MB)

Watch video

Transacting


Keep your money safe + secure

Having a bank account means that you have a safe, secure place to keep your money.

It will be easier to make all of your other spending decisions. You will know immediately whether or not you can afford a certain item.

Why should I get a bank account?

(6.9MB)

Watch video

What are the different types of bank accounts?

(12.8MB)

Watch video

How do I open a bank account?

(7.8MB)

Watch video

How do I use a bank account?

(10.3MB)

Watch video

Understanding bank fees


Know what you pay for

Having a bank account lets you keep your money safe and lets you perform transactions, borrow and save money. When you use your bank account for something, it is called performing a 'transaction'.A transaction refers to any time you take money out of, put money into or move money from your bank account into another account.

Most banks will charge you a small fee for every transaction you do.They will also charge you every time you use a debit card, a credit card or a cheque card. Some banks charge a set amount of money (bank fees) for a number of transactions every month, so try to look out for these.

How do I use a bank account?

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