Your money, your way

Not everyone spends the same, so why should your card be one-size-fits-all? Whether you’re keeping it simple, shopping smart, or managing global transactions, we’ve got the perfect debit card for you. Choose the option that fits your lifestyle and enjoy secure, seamless payments—your way.

CORE
R25.00 p/m*
FUNCTIONALITY
Local Transactions?
Prepaid Services?
Card Load Only?
Unlimited Swipes
Cashback at A Point of Sale?
24/7 Online Banking Access
24/7 Mobile Banking?
FICA?
SMART
R25.00 p/m*
FUNCTIONALITY
Local Transactions?
Prepaid Services?
Multi Source Deposits?
Unlimited Swipes
Cashback at A Point of Sale?
24/7 Online Banking Access
24/7 Mobile Banking?
FICA?
Savvy
R25.00 p/m*
FUNCTIONALITY
Local Transactions?
International Transactions?
Debit Orders
Payments
Prepaid Services?
Multi Source Deposits?
Unlimited Swipes
Cashback at A Point of Sale?
24/7 Online Banking Access
24/7 Mobile Banking?
FICA?
Guru
R25.00 p/m*
FUNCTIONALITY
Local Transactions?
International Transactions?
Debit Orders
Payments
Prepaid Services?
Multi Source Deposits?
Unlimited Swipes
Cashback at A Point of Sale?
24/7 Online Banking Access
24/7 Mobile Banking?
FICA?

*Transaction fees apply. To Request the latest Fees schedule send us an email: support@payaccsys.com

 

FICA Requirements & Limitations

Each card product is subject to FICA Requirements and FICA Limits. Please ensure that you a familiar with these limits. 

FICA Requirement:

Core Cards are not available to South African Citizens. Foreign Nationals with one of the following identification documents will qualify

  • Refugee Permit or
  • Asylum Seeker Document

MONTHLY LIMITS:

  • Monthly Balance Limit – R10000.00
  • Monthly Deposit Limit – R10000.00

POINT OF SALE – LOCAL (TILLS):

  • Point of Sale  (per Transaction) – R10000.00
  • Point of Sale (per Day) – R10000.00

CASH WITHDRAWAL LOCAL – ATM AND POINT OF SALE CASHBACK:

  • Cash (per Transaction) – R5000.00
  • Cash (per Day) – R10000.00

E-COMMERCE – LOCAL:

  • E-Commerce (per Transaction) – R10000.00

This card has NO International functionality.

This account can only be funded via Payaccsys’s platform.  EFT from other banks to this account will fail.

FICA Requirement:

As of the 1st of February 2026 Smart Cards are no longer available to South African Citizens. Foreign Nationals with one of the following identification documents will qualify

  • Foreign Passport

MONTHLY LIMITS:

  • Monthly Balance Limit – R25000.00
  • Monthly Deposit Limit – R25000.00

POINT OF SALE – LOCAL (TILLS):

  • Point of Sale  (per Transaction) – R10000.00
  • Point of Sale (per Day) – R25000.00

CASH WITHDRAWAL LOCAL – ATM AND POINT OF SALE CASHBACK:

  • Cash (per Transaction) – R5000.00
  • Cash (per Day) – R10000.00

E-COMMERCE – LOCAL:

  • E-Commerce (per Transaction) – R10000.00

This card has NO International functionality.

FICA Requirement:

Savvy Cards are available to both South African Citizens and Foreign Nationals. Qualifying identification documents are listed below:

SA Citizens:

  • ID Only 

Foreign Nationals:

  • Passport or
  • Refugee Permit or
  • Asylum Seeker Document

LIMITS:

  • Monthly Balance Limit – R100000.00
  • Monthly Deposit Limit – R100000.00
  • Daily Spend Limit – R25000.00
  • Daily EFT Payments – R25000.00

POINT OF SALE – LOCAL (TILLS):

  • Point of Sale (per Transaction) – R25000.00
  • Point of Sale (per Day) – R25000.00

CASH WITHDRAWAL LOCAL – ATM AND POINT OF SALE CASHBACK:

  • Cash (per Transaction) – R5000.00
  • Cash (per Day) – R10000.00

POINT OF SALE – INTERNATIONAL (TILLS):

  • Point of Sale (per Transaction) – R19999.00
  • Point of Sale (Daily Limit) – R25000.00

CASH WITHDRAWAL – INTERNATIONAL:

  • ATM Cash (per Transaction) – R5000.00
  • ATM Cash (per Day) – R10000.00

E-COMMERCE:

  • Local E-Commerce (per Transaction) – R25000.00
  • International E-Commerce (per Transaction) – R19999.00

FICA Requirement:

Guru Cards are available to both South African Citizens and Foreign Nationals. Qualifying identification documents are listed below:

SA Citizens:

  • ID Only 

Foreign Nationals:

  • Passport 
  • and Work Permit
  • and Proof of Residence

LIMITS:

  • Monthly Balance Limit – R500000.00
  • Monthly Deposit Limit – R500000.00
  • Daily Spend Limit – R50000.00
  • EFT Payments per Month – R50000.00

POINT OF SALE LOCAL (TILLS):

  • Point of Sale (per Transaction) – R25000.00
  • Point of Sale (per Day) – R50000.00

CASH WITHDRAWAL LOCAL – ATM AND POINT OF SALE CASHBACK:

  • Cash (per Transaction) – R10000.00
  • Cash (per Day) – R10000.00

POINT OF SALE INTERNATIONAL (TILLS):

  • Point of Sale (per Transaction) – R19999.00
  • Point of Sale (Daily Limit) – R50000.00

CASH WITHDRAWAL INTERNATIONAL:

  • ATM Cash (per Transaction) – R10000.00
  • ATM Cash (per Day) – R10000.00

E-COMMERCE:

  • Local E-Commerce (per Transaction) – R25000.00
  • International E-Commerce (per Transaction) – R19999.00