> For the complete documentation index, see [llms.txt](https://docs.spendl.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spendl.money/spendl-for-individuals/spendl-money-app/supported-assets/spendl-fees.md).

# Spendl Fees

View your Spendl Money fees for Savvy and Guru accounts

Spendl Money provides complete fee transparency across all account tiers. The tables below outline every fee, limit, and charge applicable to the **SAVVY**, and **GURU** plans. All fees are displayed in South African Rand (ZAR) and update automatically when regulatory or partner costs change.

#### Spendl Fee Tips

* **Deposit smart**: Combine deposits into larger, single transfers to reduce per-deposit fees.
* **Use POS instead of ATM withdrawals**: Point of Sale (POS) cash withdrawals often cost less than ATM withdrawals.
* **Go digital**: View statements via email or the Spendl app instead of printed requests to avoid statement fees.
* **Plan international usage**: International POS purchases are subject to a 1.56% fee per transaction; withdraw only when necessary to save on higher ATM charges.
* **Stay within limits**: Exceeding monthly limits may trigger regulatory reviews and require upgraded KYC.

| Category                   | Fee Type                                                       | SAVVY   | GURU    |
| -------------------------- | -------------------------------------------------------------- | ------- | ------- |
| Account Fees               | Monthly Fee                                                    | R25.00  | R25.00  |
| Account Fees               | Receive Money from Card Issuer                                 | R1.20   | R1.20   |
| Account Fees               | Receive Money from Outside Source                              | R2.75   | R2.75   |
| Account Fees               | Instant Deposit – Outside Source                               | R12.00  | R12.00  |
| Account Fees               | Swift Deposits (International Source)                          | R55.00  | R55.00  |
| Account Fees               | Replace a Card                                                 | R100.00 | R100.00 |
| Account Fees               | Transaction Notification (Optional)                            | R1.00   | R1.00   |
| Account Fees               | Transaction Dispute                                            | R150.00 | R150.00 |
| Account Fees               | VAS Purchases (Airtime, Electricity)                           | R2.50   | R2.50   |
| Account Fees               | Statements – 30 days                                           | Free    | Free    |
| Account Fees               | Statements – 60 days                                           | R15.00  | R15.00  |
| Account Fees               | Statement – 90 days                                            | R20.00  | R20.00  |
| Account Fees               | Monthly Statement via Email                                    | R2.50   | R2.50   |
| Account Fees               | SMS Notifications (OTPs Mobile Banking)                        | R1.00   | R1.00   |
| Account Fees               | SMS Balance Enquiry – Sent to 31571                            | R2.60   | R2.60   |
|                            |                                                                |         |         |
| Local  Transactions        | Point of Sale Purchase                                         | R2.75   | R2.75   |
| Local  Transactions        | Point of Sale Purchase with Cashback                           | R8.00   | R8.00   |
| Local  Transactions        | Point of Sale No Purchase with Cashback                        | R12.00  | R12.00  |
| Local  Transactions        | Point of Sale Decline                                          | R6.00   | R6.00   |
| Local  Transactions        | ATM Withdrawal (Local) Fee + R2.50 per R100 or part thereof    | R12.50  | R12.50  |
| Local  Transactions        | ATM Balance Enquiry (Local)                                    | R6.75   | R6.75   |
| Local  Transactions        | EFT Payments                                                   | R8.50   | R8.50   |
| Local  Transactions        | Debit Orders                                                   | R5.50   | R5.50   |
| Local  Transactions        | Unpaid Debit Order / Unpaid EFT Payments                       | R15.00  | R15.00  |
|                            |                                                                |         |         |
| International Transactions | Point of Sale (International) Fee + 1.56% of Transaction Value | R45.00  | R45.00  |
| International Transactions | Point of Sale Decline (International)                          | R17.50  | R17.50  |
| International Transactions | ATM Withdrawal (International)                                 | R100.00 | R100.00 |
| International Transactions | ATM Balance Enquiry (International)                            | R12.00  | R12.00  |
| International Transactions | ATM Decline (International)                                    | R20.00  | R20.00  |

*\*Fees are subject to change and will be updated directly to this page.*