FinanceHero / South Africa / Banking
See fees, minimum balances, ATM costs, transfers, cards and digital access side by side.
Transactional / Current accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / digital access | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Capitec BankMain Account | ZAR 7.50per month | Opening: Not available Minimum: ZAR 30 | SA ATM: R10 for amounts up to R1,000; larger withdrawal pricing not verified. | Digital: own accounts free; Capitec R1; other SA bank R2. | Card: YesIssuance: Not availableMaintenance: Not availableApp: Yes; USSD: Yes | Not available | Pay-as-you-use account: transaction and card-delivery charges are additional. ATM price above R1,000 not verified. |
Standard Bank South AfricaMyMo Account | ZAR 7.50per month | Opening: Not available Minimum: Not available | SA ATMs: R10 per R1,000 or part, within combined R2,000 monthly allowance; thereafter R2.80 per R100 or part. | Online account payment R2; own-account transfer free. | Card: YesIssuance: Not availableMaintenance: Not availableApp: Yes; USSD: Yes | Not available | ATM price increases after combined withdrawals reach R2,000 in a month; instant payments cost extra. |
Checked: 7 Oct 2026 · Sources: capitecbank.co.za · standardbank.co.za
Savings accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / digital access | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Standard Bank South AfricaPureSave | ZAR 0per month | Opening: ZAR 0 Minimum: Not available | SA ATMs: R2.80 per R100 or part. | Online / ATM account payment R4; own-account transfer free. | Card: YesIssuance: Not availableMaintenance: Not availableApp: Yes; USSD: Yes | Not availableInterest from R1; rate depends on balance. Numeric tiers not verified. | No debit orders or stop orders. Card purchases cost R1.20; no monthly management fee does not mean free transactions. |
Checked: 7 Oct 2026 · Sources: standardbank.co.za
Digital consumer accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / digital access | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
GoTyme Bank South AfricaCurrent Account | ZAR 0per month | Opening: Not available Minimum: Not available | SA ATM R10 per R1,000; international ATM R70. | Not available | Card: YesIssuance: Not availableMaintenance: Not availableApp: Not available; USSD: Not available | Not available | R7 monthly dormancy fee after six months without a Current Account transaction. Transfer pricing and opening requirements not verified. |
Bank Zero Mutual BankPersonal Check Account | ZAR 0per month | Opening: Not available Minimum: Not available | Local ATM R10 per R1,000 block. | Ordinary EFT free; immediate payments charged separately. | Card: YesIssuance: ZAR 83Collection at Clicks; street delivery R125, non-metro surcharge R30.Maintenance: Not availableApp: Yes; USSD: Not available | Not available | Physical card collection/delivery is charged. R5 monthly dormancy fee after six months; cash deposits follow retailer charges. |
Checked: 7 Oct 2026 · Sources: gotyme.co.za · bankzero.co.za
Fees may exclude statutory charges.