South African financial comparisons
Make more informed money decisions in South Africa.
Explore loans, savings, investments, insurance, medical aid and business finance. Understand the costs, compare product features and research providers before making a decision.
Compare. Save. Protect. Grow.
- Free to read and calculate
- General information, not advice
- See how products are compared
What would you like to compare?
Choose a category to get started.
- Personal loansAmounts, interest and the total you repay.
- Savings accountsRates, access and how interest is paid.
- Home loansBonds, deposits and the costs of buying.
- InsuranceCar, funeral, life and business cover.
- InvestmentsPlatforms, funds and tax-free accounts.
- Medical aidSchemes, options and gap cover.
Explore financial products
Find the type of financial product you are researching, compare relevant features and understand the important costs and conditions.
Borrow and bank
Explore personal loans, credit cards, home loans and vehicle finance.
Explore categorySave and invest
Compare savings accounts, fixed deposits, tax-free investments, ETFs and investment platforms.
Explore categoryInsurance and healthcare
Explore car insurance, funeral cover, life insurance, medical aid and gap cover.
Explore categoryBusiness finance
Research business funding, bank accounts, card payments and financial software.
Explore category
Financial decisions you can explore
Explore practical comparisons and tools for important financial decisions in South Africa.
Buying a home
A bond, the instalment, and the cash you need on transfer day.
Financing a vehicle
The instalment, the balloon, and what is still owed at the end.
Choosing medical aid
A medical scheme is not health insurance, and gap cover is neither.
Building an emergency fund
Money you can reach, and what a rate you type does to the balance.
Investing tax-free
The annual and lifetime limits, and the 40% penalty on an excess contribution.
Planning for retirement
Retirement annuities, access rules, and the two-pot system.
Protecting your family
Life cover and funeral cover pay in different ways. Neither is a quote on this site.
Financing a small business
Funding for an SMME, including the surety a lender may ask for.
Research financial providers in South Africa
Explore financial providers, understand the products they offer and learn how to check relevant regulatory credentials.
Banks and credit providers
Retail banks and firms that offer credit. A listing is not a registration check.
Insurance companies
The name on an advert is not always the underwriting insurer.
Medical schemes
A scheme is not its administrator, and it is not health insurance.
Investment platforms
Platforms and managers for funds, ETFs and other investments.
Trading platforms
Share, derivative and crypto venues. One authorisation is not another.
Business finance providers
Lenders and platforms used by South African firms and SMMEs.
Directory inclusion does not imply endorsement, partnership or regulatory verification.
Calculate before you decide
Use practical financial calculators to explore costs, repayments, savings and other scenarios in rand.
- Bond repayment calculatorEstimate a home-loan instalment and the transfer duty on a sale that is not subject to VAT.Use calculator
- Loan calculatorWork out an instalment from an amount, a rate and a term you enter. It is not a quote.Use calculator
- Salary and PAYE calculatorAn illustration of employees' tax for the 2027 year of assessment. It is not a payslip.Use calculator
- Savings calculatorProject a savings balance from a rate you type. The rate is your assumption, not a bank quote.Use calculator
- Medical scheme tax credit calculatorThe medical scheme fees tax credit for the 2027 year of assessment.Use calculator
- Budget plannerAdd up monthly income and the costs you actually pay.Use calculator
Results are illustrations. They depend on the figures and assumptions you enter, and they are not quotations or approval decisions.
Practical money guides for South Africa
Explainers written for South African products, tax and the registers that apply.
Borrowing
How home loans and bonds work
A home loan is repaid over a long term. The bond is the security registered over the property. The bank's yes is not this page's yes.
Reviewed 29 October 2026
Read guideBorrowing
Credit reports and scores in South Africa
A credit bureau keeps a record of your agreements. A score is that bureau's model. It is not a single national number.
Reviewed 29 October 2026
Read guideMedical aid
Medical aid, gap cover and health insurance
A medical scheme, a gap policy and a health-insurance policy are three products. A lower premium does not make them equivalent.
Reviewed 29 October 2026
Read guideSaving
Understanding tax-free savings accounts
The return inside a tax-free investment is not taxed. The contributions are capped, and a withdrawal does not give the cap back.
Reviewed 28 October 2026
Read guideRetirement
Retirement planning in South Africa
A pension fund, a provident fund, a retirement annuity and a preservation fund are all retirement money. They are not an emergency fund, and a two-pot withdrawal is not a salary.
Reviewed 29 October 2026
Read guideBorrowing
Comparing personal loan costs
The interest rate is one line. Initiation fees, monthly service fees and the term decide the rand you pay back.
Reviewed 28 October 2026
Read guide
How WiT Money helps you compare
Four steps from a product explanation to the register you should check yourself. This website does not give personalised advice, and it is not licensed by these authorities.
01
Understand the product
Learn how the product works in South Africa, what it can cost, and which risks matter.
02
Compare the details
Review the features, eligibility and fees that are published. A missing figure stays blank.
03
Check the information
See the source, the date it was checked, and what this website has not verified.
04
Research the provider
Read the profile, then check the register that matches the activity.
No referral agreement is active in this build. Reading these pages and using the calculators does not cost you anything. If a provider later pays WiT Money, that relationship will be explained and a paid placement will be labelled.
Where a firm must be registered, check the Financial Sector Conduct Authority, National Credit Regulator, South African Reserve Bank, Council for Medical Schemes. Those bodies do not license this website. Regulatory position · Contact
Common questions about WiT Money
Is WiT Money free to use?
Yes. Reading these pages and using the calculators does not cost you anything. No referral agreement is active in this build.
How does WiT Money make money?
No provider is paying for a placement here. If that changes, the arrangement will be explained and a paid row will be labelled. Comparisons that are published are ordered by name unless a labelled commercial row is added later.
Does WiT Money provide personalised financial advice?
No. The pages are general information. A personal recommendation under the FAIS Act has to come from an authorised provider who has looked at your situation.
How can I compare financial products in South Africa?
Choose a category, read what the product costs and who can apply, then use a calculator with figures you enter. A rate that has not been checked is left off the page.
How can I check whether a provider is registered?
Use the register that matches the activity. Credit providers sit with the National Credit Regulator, many financial services with the FSCA, banks with the South African Reserve Bank, and medical schemes with the Council for Medical Schemes. A profile on this website is not that check.
Does WiT Money compare every provider in the market?
No. A page explains the product and lists a provider only where a record has been checked. An empty comparison means the rate or fee has not been published here.